Everything inside

Every feature in Comma.

22 shipped versions. 11 industry firsts. One private dashboard.

Tax Intelligence

5 full tax engines — AU, UK, US, NZ, CA — each with locale-specific brackets, deductions, offsets, and retirement vehicles. A world salary map shows your income adjusted for purchasing power parity across every country.

→ 5 tax engines with up-to-date brackets
→ World salary map with PPP-adjusted comparisons
→ Relocate solver — see your take-home in another country
→ Connected deductions tracking from your transactions
→ Retirement vehicles: Super, Pension, 401k, KiwiSaver, RRSP

Health Intelligence

ECG-style financial vital signs that pulse with your data. 19 insight templates surface what matters — from savings velocity to spending volatility. 12 locale-specific card types adapt to your country.

→ Financial pulse chart — green when healthy, red when stressed
→ 19 insight templates with contextual triggers
→ 12 locale-specific card types (Medicare levy, NI contributions, etc.)
→ Connected to Comma Spark for cross-screen diagnosis

Subscription Orbit

An orbital visualisation of every recurring payment. 87 brand logos auto-detected. Drift detection catches silent price increases. Overlap alerts flag services that do the same thing.

→ 87 brand logos auto-matched (Netflix, Spotify, AWS, etc.)
→ Drift detection — flags price increases between billing cycles
→ Overlap alerts — services with similar purposes highlighted
→ Cost-per-use ratings based on your actual usage patterns

Goal Confidence Rings

Not a progress bar — a probabilistic confidence score. Each goal gets a dual-ring SVG showing both progress and statistical confidence that you'll hit the target, calculated using normal distribution CDF and Z-scores.

→ Probabilistic scoring via normal CDF / Z-score
→ Dual-ring visualisation: outer = progress, inner = confidence
→ Accounts for income variability and spending trends
→ Industry first — no other finance app uses statistical confidence for goals

GrowingLandscape

Your net worth as living terrain. Five biomes evolve as your wealth grows — from barren desert through grassland and forest to snow-capped peaks. The landscape grows with you.

→ 5 biomes: Desert → Grassland → Forest → Mountains → Snow Peaks
→ Animated transitions as net worth crosses thresholds
→ Monthly savings rate shown as a ring overlay
→ Visual metaphor that makes net worth feel tangible

Smart Categorisation

Drag a CSV from anywhere in the app and watch 2,460 merchant patterns do the work. A preview shows exactly what's new before anything is committed. 50+ spending categories. Cross-country support — the same merchant name resolves correctly whether you bank in Sydney or London.

→ 2,460 merchant regex patterns across AU/UK/US/NZ/CA
→ 50+ spending categories with emoji identifiers
→ Upload preview — see new vs duplicate transactions before importing
→ One-click recategorisation with memory for future imports
→ Transfer detection prevents double-counting between accounts

Monthly Reports

Auto-generated at month end with a 0-100 composite financial score. Badges highlight achievements. Export the entire report as a downloadable PDF.

→ 0-100 composite score covering income, spending, savings, goals
→ Achievement badges: Top Saver, Budget Master, Streak Champion
→ Month-over-month comparisons with trend arrows
→ PDF export for records or sharing with an advisor

Trend Analysis

Income vs spending area chart with computed trend direction. Sparkline stat cards show at-a-glance movement for every key metric. Redesigned in v4.6.0 with the DS V4 visual language.

→ Hero area chart: income vs spending over time
→ Sparkline cards for savings rate, surplus, top categories
→ Computed trend direction with confidence indicator
→ Responsive — full chart on desktop, card stack on mobile

AI Chat

BYO API key. Choose Claude, GPT, or Gemini — stored per provider so you can switch freely. Attach photos of receipts or statements. Pick Quick, Balanced, or Deep reasoning. Clickable citations jump from an AI response straight to the underlying transactions. A live cost meter tracks every token.

→ Supports Claude (Anthropic), GPT (OpenAI), and Gemini (Google)
→ Your API key, stored locally — never sent to our servers
→ Browser-to-provider direct: we cannot see your prompts or responses
→ Attach images — photograph a receipt or statement and ask the AI about it
→ Prompt caching cuts follow-up message costs to ~20% on Claude and ChatGPT
→ Anonymise toggle replaces names and labels with generic placeholders before sending

Cmd+K Command Palette

Keyboard-first navigation. Hit Cmd+K (or Ctrl+K) to search, navigate, or act. Fuzzy matching finds what you need instantly. A smart summary card shows key metrics without leaving the palette.

→ Fuzzy search across all tabs, categories, merchants, and actions
→ Smart summary card with key metrics at a glance
→ Keyboard shortcuts for power users
→ Accessible from any screen in the app

Multi-Account

8 account types: transaction, savings, credit card, offset, joint, investment, loan, and other. Transfer detection prevents double-counting. Dedicated credit card and savings pages with their own analytics.

→ 8 account types with distinct categorisation rules
→ Automatic transfer detection between your own accounts
→ Credit card page: statement tracking, payment matching, utilisation
→ Savings page: interest tracking, goal allocation, growth chart

Your financial life, finally understood.

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