What is Comma
Drop a CSV. See everything.
Export transactions from your bank. Comma categorises everything, encrypts it on your device, and shows you what's really happening — spending patterns, tax position, retirement trajectory, gambling exposure, net worth. 22 versions. 11 industry firsts. One dashboard.
One signal, everything
One glance. You know exactly where you stand.
Comma Spark distils your income, spending, savings rate, and trajectory into one living signal. Five health states from Thriving to Flatline. The pulse speed, colour, and size change with your finances. Hover for the numbers behind the signal. It connects every screen — when Spark changes, the diagnosis chain tells you why.
- 5 states: Thriving → Healthy → Tight → Stressed → Flatline
- Diagnosis chains explain WHY your state changed
- "Spark says" block on the dashboard surfaces what matters most
- Financial Nervous System connects insights across all tabs
Spending intelligence
The most intelligent spending view ever built.
Every day is a stacked bar showing category composition. Payday spikes, weekend splurges, and bill days are labelled automatically. A 14-day forecast predicts your near future. Zero-spend streaks glow green. And a spending pulse EKG line shows your financial heartbeat across the entire period.
- Category-layered cells — each day is a stacked bar, not just a colour
- Predictive ghost days — 14-day forecast with confidence decay
- Auto-detected labels — payday, bill day, splurge day, streak
- Zero-spend streak chains — green glow connecting disciplined days
- Spending pulse EKG — heartbeat rhythm visualisation
Money flow
Watch your money flow. In real time.
The first personal finance app with a live Sankey diagram. Income rivers split into spending tributaries and merge into a surplus stream. Drag a slider — watch the rivers reshape. Proportional waterfall bars on every row. Visual scenario cards preview changes before you commit.
- Income rivers → spending tributaries → surplus stream
- All flows animate in real time as you drag sliders
- Scenario cards with pre-computed surplus previews
- Proportional waterfall bars show relative scale at a glance
Harm reduction
The numbers betting apps — and the venues — will never show you.
Online gambling AND cash at venues. Comma detects Sportsbet, Ladbrokes, Bet365 from your transactions — plus 341 venue patterns across RSLs, clubs, casinos, and pokies venues in 5 countries. The honest total, not just the apps. Session reconstruction flags chasing behaviour. Diverging Futures shows where you'd be without it. Encrypted on your device. Free forever.
- Net position — online deposits + cash at venues combined
- 341 venue patterns — RSLs, clubs, casinos, pokies across AU/UK/US/NZ/CA
- Session reconstruction with chase detection
- Diverging Futures — your finances projected 1-20 years with and without gambling
- Calendar heatmap showing gambling frequency
Retirement intelligence
Know exactly when you can stop working.
Four FIRE variants calculated from your actual bank transactions. Monte Carlo simulations across 500 scenarios and 3 portfolio types. Drag the slider — watch your retirement age change in real time. Locale-aware retirement vehicles: Super, Pension, 401k, KiwiSaver, RRSP.
- Traditional, Lean, Coast, and Barista FIRE
- Monte Carlo fan chart with probability ranges
- Retire-at-age slider with real-time projection
- Locale retirement vehicles (AU Super / UK Pension / US 401k / NZ KiwiSaver / CA RRSP)
And everything else
22 versions. One system.
Widget Canvas
20 draggable widgets. 3 layout presets. Your dashboard, your layout.
Tax Intelligence
5 tax engines. World salary map with PPP. Relocate solver. All client-side.
Health Intelligence
ECG-style financial vital signs. 19 insight templates. 12 locale-specific card types.
Subscription Orbit
87 brand logos. Drift detection. Overlap alerts. Cost-per-use ratings.
Goal Confidence Rings
Probabilistic scoring via normal distribution CDF. Not a progress bar — statistical confidence.
GrowingLandscape
Your net worth as living terrain. 5 biomes from desert to snow-capped peaks.
Smart Categorisation
2,460 merchant patterns. 50+ categories. Drop a CSV, everything categorises.
Monthly Reports
Auto-generated with 0-100 composite score and badges. Export as PDF.
Trend Analysis
Income vs spending area chart. Sparkline cards. Computed trend direction.
AI Chat
BYO key. Claude, GPT, or Gemini. Browser to provider direct — we're never in the loop.
Cmd+K Command Palette
Navigate, search, act. Fuzzy matching. Smart summary. Keyboard-first.
Multi-Account
8 account types. Transfer detection. Credit card and savings pages. No double-counting.
Things no other finance app does
Privacy-first gambling tracker — free, encrypted, 341 venue patterns
Live Sankey money flow — animated planner diagram
Probabilistic goal confidence — CDF scoring, not progress bars
5 spending heatmap firsts — category cells, ghost days, EKG, day labels, streaks
Client-side encryption — AES-256-GCM, server never sees readable data
5 full tax engines with world map and relocate solver
Pay once. Own it forever.
Free
- Full dashboard with 20 widgets
- Smart categorisation (2,460 patterns)
- Gambling tracker — completely free
- Tax calculator + world map + relocate
- Spending heatmap
- Current month data
- Smart categorisation
- Spending heatmap
- Gambling tracker
- Transaction historyCurrent month
- Help centre
Pro
- Everything in Free
- 12 months transaction history
- Trend analysis + sparklines
- Goal projections + confidence rings
- AI chat (BYO key)
- Encrypted cloud sync
- Monthly reports + PDF export
- Tax planning + deductions
- Smart categorisation
- Spending heatmap
- Gambling tracker
- Transaction history12 months
- Trend analysis + sparklines
- Goal projections
- Monthly reports + PDF
- Help centre
- Email support
Lifetime
- Everything in Pro
- Unlimited transaction history
- Household mode (2 users)
- All future features forever
- Founding member badge
- Smart categorisation
- Spending heatmap
- Gambling tracker
- Transaction historyUnlimited
- Trend analysis + sparklines
- Goal projections
- Monthly reports + PDF
- Household mode
- Help centre
- Email support
- Priority support
Frequently Asked Questions
Comma is a private finance system that helps you understand your spending, tax, retirement, wealth, and gambling activity. Your data is encrypted client-side — we store it, but we cannot read it.
- Free: Full dashboard, gambling tracker, tax calculator, current month data.
- Pro: 12 months history, trends, goals, reports, cloud sync.
- Lifetime: Unlimited history, household mode, all future features.