!
2 connections need re-auth. Capital One Quicksilver and Robinhood are flagged needs_attention — balances and transactions for those accounts may be stale. Open each app's Plaid link in your bank app, or reconnect via Driggsby.

Money Dashboard

Lataille household · sourced from Driggsby (Plaid)
Last refreshed Wed May 20, 2026 · 11:42 UTC
PNC last sync 2026-05-20 11:24 UTC
PNC Spend (****3925) · 35-day forecast · bills only — variable spend off
Available now $42 $130 current · ~$88 in pending outflows
Next paycheck 2 days Fri May 22 · ~$8,392
Lowest projected $1,818 Tue Jun 2 · after MD 529 contribs
Days below $2k buffer 9 / 35 0 below zero · bills-only forecast
Last 30 days · income +$17,205
·
Last 30 days · spend −$14,170
·
Net +$3,035
·
Debt payments (separate) −$18,361

Pending charges $87.61

  • PNC Spend$87.61 reserved

Reserved holds (likely debit-card auths) — not yet itemized by Plaid. Current ($130) minus Available ($42) = this gap.

Upcoming annual renewals 3

  • CostcoAug 5 · $125
  • AAA MembershipOct 3 · $127
  • Amazon PrimeApr 9, 2027 · $147

Forecast gaps 7 missing

  • Pepco~$272 · expect ~Jun 5
  • VSAC student loan$528 · expect ~Jun 11
  • Dept of Education$111 · expect ~Jun 8
  • Chewy~$115 · overdue (last Apr 24)
  • Chase EPAYvaries · last May 14
  • Capital One pmt~$564 avg · last May 14
  • Amazon (general)~$74 · last May 13
Mon
Tue
Wed
Thu
Fri
Sat
Sun
May 18
—
past
May 19
—
yesterday
May 20
$42
Today · start of forecast
May 21
$42
·
May 22
+$8,392
$8,433
PAYCHECK +$8,392
May 23
-$601
$7,832
HELOC transfer · Ring
May 24
-$18
$7,814
Spotify
May 25
-$302
$7,512
Astound · Tesla · (holiday)
May 26
$7,512
·
May 27
$7,512
·
May 28
-$535
$6,977
Goldfish · Sling · Venmo
May 29
-$5,000
$1,977
GODDARD · childcare $5k
May 30
$1,977
·
May 31
$1,977
·
Jun 1
-$83
$1,893
Apple · MD 529
Jun 2
-$75
$1,818
MD 529 · LOWEST
Jun 3
$1,818
·
Jun 4
$1,818
·
Jun 5
+$8,034
$9,852
PAYCHECK (net of Robinhood)
Jun 6
-$21
$9,831
OpenAI
Jun 7
$9,831
·
Jun 8
-$110
$9,721
GEICO
Jun 9
-$311
$9,410
Wash Gas · Verizon
Jun 10
$9,410
·
Jun 11
$9,410
·
Jun 12
-$3,371
$6,039
MORTGAGE DAY · Lakeview
Jun 13
-$1,310
$4,729
TD Auto · AES · Foundation
Jun 14
-$30
$4,699
Apple · HBO · State Farm
Jun 15
$4,699
·
Jun 16
-$26
$4,673
Netflix
Jun 17
$4,673
·
Jun 18
$4,673
·
Jun 19
+$8,370
$13,043
PAYCHECK (net of Google)
Jun 20
+$0
$13,043
Interest
Jun 21
$13,043
·
Jun 22
$13,043
·
Jun 23
$13,043
·
Jun 24
$13,043
end of horizon
Jun 25
—
past horizon
Jun 26
—
past horizon
Jun 27
—
past horizon
Jun 28
—
past horizon
Methodology & data notes

Forecast model — bills-only mode:

  • Variable spend baseline is currently OFF (disabled 2026-05-17 — will be re-enabled later). The forecast shows live balance + Plaid recurring streams + user-confirmed adjustments only. Discretionary day-to-day spending (groceries, gas, restaurants, kid stuff, etc.) is NOT modeled — actual balances will run lower than projected between paychecks.
  • Starting balance: live PNC Spend available balance from Driggsby ($41.91). Current is $129.52 — ~$88 pending-outflow gap. Available already nets pending, so it's used as today's EOD; forecast applies to days after today.
  • Recurring inflows/outflows: Plaid's recurring detection, using each stream's average amount. Streams whose predicted_next_date is already past today (*4172 MD Contrib May 2, OpenAI May 7, Spotify Apr 24) advanced by ~30 days into the window.
  • Buffer threshold: $2,000. Horizon: today + 35 days (May 20 – Jun 24).

User-confirmed adjustments (override Plaid): paychecks shifted from Sat → Fri (May 22, Jun 5, Jun 19); Goddard School forced to $5,000/mo (Plaid avg $4,551 lags reality); "TD Auto" treated as Tesla loan (Kia is paid off); HELOC captured as the TOWFCU SV WEBXFR transfer on May 23.

Known gaps in this forecast (active Plaid streams with no predicted_next_date — not in the projection):

  • VSAC student loan: ~$528/month (active, frequency UNKNOWN; last hit May 12)
  • Dept of Education student loan: ~$99/month avg ($110.77 last hit May 9)
  • Pepco electric: ~$272/month (last hit $274.21 on May 6; next likely early June)
  • Mr Wash Car: ~$108/month average (last hit was $300, irregular)
  • Chewy: ~$115, irregular frequency (last hit Apr 24 — overdue)
  • Amazon (general, UNKNOWN frequency): ~$74 avg ($78.70 last hit on May 13)
  • Chase EPAY credit card payment: ~$112 avg, UNKNOWN frequency (last hit $527 around May 14)
  • Capital One online payment: ~$564 avg, UNKNOWN frequency (last hit $158 on May 14)

Sync note: PNC last sync 2026-05-20 11:24 UTC (fresh). Capital One Quicksilver and Robinhood still flagged needs_attention.

All linked accounts · balances as of last sync
Net worth $154,946 assets − liabilities
Total assets $233,946 cash + investments
Total liabilities $79,000 HELOC only
Spendable cash $2,440 across 6 depository accounts

Checking & Savings

$2,532.47 current · $2,439.87 available
AccountInstitutionTypeCurrentAvailableStatus
Spend · ****3925PNCChecking$129.52$41.91healthy
Reserve · ****3933PNCChecking$1,700.00$1,700.00healthy
Standard Checking · ****8304PNCChecking (wife's Northrop DD)$100.00$100.00healthy
Growth · ****3941PNCSavings$100.10$100.10healthy
Prime Share · ****0643Tower FCUSavings$502.85$497.85healthy
Robinhood Spending · ****5755RobinhoodChecking$0.00$0.00needs reauth

Investments

$231,506.17
AccountInstitutionTypeValueStatus
ICF Retirement Savings Plan · ****2664Vanguard401(k)$230,370.33healthy
Robinhood Individual · ****7325RobinhoodBrokerage$1,135.84needs reauth
Brokerage Account · ****7936VanguardBrokerage$0.00healthy

Credit Cards

$0.00 owed
AccountInstitutionTypeOwedStatus
Quicksilver · ****9065Capital OneCredit card$0.00needs reauth

Loans

$79,000.00 owed
AccountInstitutionTypeBalance owedStatus
Home Equity Line of Credit · ****8072Tower FCUHELOC$79,000.00healthy
Coverage notes
  • Mortgage (Lakeview), Tesla auto loan (TD Auto), AES & Dept of Ed student loans, Foundation Finance (roof), and VSAC student loan are paid through PNC Spend but the loan accounts themselves aren't linked to Driggsby. They show up as outflows on the cash calendar / transactions, not as separate balances here.
  • Wife's Northrop Grumman direct deposit lands in Standard Checking (****8304) and is transferred to Spend (****3925) biweekly. The $100 you see in Standard Checking is the residual after the transfer.
  • Robinhood and Capital One both show needs_attention — balances above are the last known values. Reauth at convenience.
Posted & pending transactions across cash accounts · trailing 30 days (Apr 20 – May 20, 2026)
Date ▼ Account ▼ Merchant / Description ▼ Category ▼ Amount ▼
About this view

205 transactions across all linked cash accounts (PNC Spend, Reserve, Standard Checking, Growth, Tower Prime Share) over the last 30 days. Sourced from Driggsby's cash_transactions dataset. Use the search box and dropdowns to filter (account, direction, status). Pending rows are highlighted in amber with a pending tag — they reflect debit-card auths and ACH holds that haven't fully settled, and may still be reversed or change amount before posting.

Pending count right now: 0 (Plaid is not returning any pending rows at the moment — debit-card auths are visible only via the available-vs-current balance gap on the Calendar tab). When Plaid does start returning them, they'll appear here automatically on the next refresh.

What's missing: credit-card transactions (Capital One Quicksilver is linked but needs reauth); Robinhood transactions (also needs reauth). Investment activity is in a separate dataset and not surfaced here yet.

PNC Spend (****3925) · transactions posted since the previous dashboard refresh

Transactions bridging the gap

How this works

Each refresh, Claude embeds a snapshot of the current PNC Spend available balance into dashboard.html. On the next refresh, it reads the prior snapshot, pulls every posted Spend transaction with posted_date on/after the snapshot date, and renders them here. The reconciliation line at the bottom compares the sum of those transactions against the actual balance delta — drift usually means pending-vs-posted timing or pending charges that have since cleared.

If the prior snapshot is missing (very first refresh after this feature shipped), this tab is intentionally empty — the next refresh will be the first one with a real diff.

All recurring charges identified from 12 months of transaction history (May 2025 – May 2026) + Plaid recurring detection. Grouped by category.
Discretionary subs / mo ~$507 streaming + food + home + pet + insurance
All recurring (annual) ~$84k incl. mortgage, daycare, loans, utilities
Active subscriptions 32 across 11 categories
Possibly stale 7 not seen in 60+ days

Streaming & Digital

~$207 / mo · $2,488 / yr
ServiceAmountFrequencyAnnualLast seenStatus
Sling TV$50.86Monthly$610May 12, 2026active
Netflix$26.68Monthly$294May 16, 2026active
HBO Max$11.17Monthly$123May 14, 2026active
Spotify$18.01Monthly$184Mar 24, 2026verify
YouTube Premium$11.65Monthly$140Mar 3, 2026verify
Google (Drive/One)$21.19Monthly$254Apr 21, 2026active
Apple (charge #1)$8.47Monthly$102May 1, 2026active
Apple (charge #2)$13.77Monthly$165May 14, 2026active
OpenAI / ChatGPT$20.96Monthly$251May 12, 2026active
Ring AI Pro Plan$21.19Monthly$254Apr 23, 2026active
Amazon Prime (small mo. charge)$3.41Monthly$41Apr 23, 2026active
Amazon Prime Video$13.24 avgOccasional~$53Apr 7, 2026rentals?
Elevenlabs$11.33One-off (May 9)—May 12, 2026one-off

Annual Memberships

~$399 / yr
ServiceAnnualRenewsStatus
Amazon Prime (annual)$147.34Apr 9, 2027active
AAA Membership$127.00Oct 3, 2026active
Costco$125.00Aug 5, 2026active

Utilities & Connectivity

~$767 / mo · $9,200 / yr
ServiceAvg / moAnnualLast seenStatus
Verizon Wireless$200.80$2,410May 9, 2026active
Pepco (electric)$269.66$3,775May 6, 2026active
WSSC Water (quarterly)$310 / quarter$1,550Feb 28, 2026active
Washington Gas$96.75$1,161May 9, 2026active
Astound Broadband$96.02$1,152Apr 25, 2026active
Starpower (predecessor ISP?)$85.09$425Sep 25, 2025stopped

Childcare & Kids

~$5,093 / mo · $61k+ / yr
ServiceAvg / moAnnualLast seenStatus
The Goddard School (both kids)$5,000$60,000Apr 29, 2026active
Goldfish Swim School$93.46$3,178May 12, 2026active
Sharkey's Cuts for Kids$69 (every ~3 mo)$276Jan 21, 2026recurring

Insurance

~$116 / mo · $1,397 / yr
ServiceAmountAnnualLast seenStatus
GEICO (auto)$111.16$1,334May 8, 2026active
State Farm$5.17$62May 14, 2026verify purpose

Food & Grocery Subscriptions

~$209 / mo (active) · $2,420 / yr
ServiceAvgFrequencyAnnualLast seenStatus
Factor75 (meal kit)$80.37Monthly+$321 YTDMay 7, 2026active
Thrive Market$85.60Monthly$856May 6, 2026active
Oats Overnight$43.31Monthly$217Apr 21, 2026active
Hungry Harvest$24.25Weekly$388Feb 26, 2026stopped
Sweetgreen subscription$15.47Monthly$155Jan 9, 2026stopped

Home Services

~$95 / mo (seasonal) · $1,140 / yr
ServiceAmountFrequencyAnnualLast seenStatus
Mosquito Joe$94.99Monthly (seasonal)$1,140May 16, 2026active

Health, Personal Care, Pet

~$220 / mo
ServiceAmountFrequencyAnnualLast seenStatus
Chewy (pet supplies)$90.43Monthly$1,447Apr 24, 2026active
Kosmo Nail Bar$100.17Monthly$1,202Apr 14, 2026active
One Medical$30.00Monthly$180Mar 3, 2026verify
Quip (toothbrush)$9.00Quarterly$36Mar 4, 2026active
Prose (custom haircare)$64.92Monthly$325Nov 6, 2025stopped
Stitch Fix$101.49Recurring$812Dec 23, 2025stopped

Recurring Investments & Savings

~$150 / mo · $1,800 / yr
StreamAmountFrequencyAnnualNotes
MD 529 Contrib (****4172)$75.00Monthly$900kid #1
MD 529 Contrib (****3210)$75.00Monthly$900kid #2
Robinhood transfer$50–$420Monthly (variable)$920brokerage funding

Recurring Debt Payments

~$5,967 / mo · $71,604 / yr
LenderAvg / moAnnualLast seenNotes
Lakeview (mortgage)$3,408.90$40,907May 12, 2026P&I + escrow
TD Auto Finance (Tesla loan)$797.90$9,575May 13, 2026Kia is paid off
VSAC Student Loan$528.00$6,336May 12, 2026stable amount
HELOC (Tower FCU, via TOWFCU SV)$580.00$6,960Apr 23, 2026~$79k balance
AES Student Loan$376.49$4,518May 13, 2026varies
Foundation Finance (roof)$165.43$1,985May 13, 2026stable
Dept of Education$110.77$1,218Apr 9, 2026small federal loan
Capital One credit card$135.92$1,631May 14, 2026monthly autopay
Chase credit cards (multiple)$226.81 avg$7,938May 14, 202635 payments across multiple cards

Investigate — Unknown / Possibly Forgotten

~$80 / yr if all canceled
MerchantAmountHitsTotalLast seenNotes
Fameassist$23.802$48Aug 13, 2025unknown subscription
Roboca$4.875$24Dec 30, 2025unknown service, ended?
Snake$3.172$6Mar 24, 2026likely Snapchat — verify
Budge$5.292$11Aug 19, 2025kids' app (Budge Studios)
Skylight Frame$198.58 avg2$397Feb 18, 2026device + plan?
How this list was built

Two sources combined:

  • Plaid's recurring-transaction detection (via Driggsby) — finds streams of similar charges at regular intervals. 65 streams identified, 41 currently is_active.
  • Merchant-aggregated SQL over the last 12 months — finds merchants with ≥2 hits, stable amounts, and regular intervals. 189 unique merchants found.

"Possibly stale" = active in Plaid OR appeared in the past year, but no transactions in the last ~60 days. The merchant may have canceled, paused, or churned to a different billing entity. Worth verifying before assuming they're gone.

Annual numbers are rough — they're based on 12-month totals or 12× the average monthly hit, depending on what's more representative. Use for relative scale, not for tax filing.

Prioritized recommendations to reduce monthly burn. Estimates are conservative.
Potential annual savings ~$2,100 if you act on all high-priority items
High-priority opportunities 5 overlaps + stale subs
Items to investigate 5 unknown merchants
Optimize, don't cancel 3 bundle / shop alternatives

🔴 High Priority — Overlap & Redundancy

~$1,150 / yr potential

1. Three streaming services running in parallel

save ~$600 / yr

Sling $50.86 + Netflix $26.68 + HBO Max $11.17 = $88.71 / mo ($1,065 / yr)

Sling is the most expensive and is the only one used for live TV. If you're not actively watching it, that's $610 / yr alone. The Sling + HBO Max + Netflix combo also overlaps in on-demand catalog.

Suggested: Pick one (Netflix is the cheapest "primary"). Drop Sling if live-TV use is low (or replace with a free over-the-air antenna for local channels). Keep HBO Max for prestige shows.

2. Spotify + YouTube Premium — both include music streaming

save $140–$216 / yr

Spotify $18.01/mo ($184/yr) + YouTube Premium $11.65/mo ($140/yr) = $29.66 / mo

YouTube Premium includes YouTube Music. Spotify is a separate music subscription. Pick one.

Suggested: Drop YouTube Premium ($140/yr) if Spotify is the daily driver, or drop Spotify ($184/yr) if YouTube is. Note: Spotify hasn't billed since Mar 24 — possibly already canceled, verify.

3. Two meal-kit/grocery-delivery subscriptions on top of regular groceries

save ~$1,000 / yr

Factor75 $80/mo + Thrive Market $86/mo + Oats Overnight $43/mo = $209 / mo ($2,420 / yr)

You also shop Aldi, Safeway, Costco, Trader Joe's, and Whole Foods regularly. These three delivery subs largely overlap — Factor75 is prepared meals, Thrive Market is pantry staples, Oats Overnight is breakfast.

Suggested: Pick the most-used one (Factor75 likely, given recency). Cancel the other two. Save ~$1,000/yr.

4. Multiple Apple subscriptions — check for Apple One bundle savings

save up to $60 / yr

Apple charge #1 $8.47 + charge #2 $13.77 = $22.24 / mo ($267 / yr)

Two separate Apple charges suggest you're paying for ~3–4 services à la carte (likely iCloud + Apple TV+ + Music or Arcade). Apple One Family bundle ($22.95/mo) includes iCloud 200GB, Music, TV+, Arcade for the whole family — usually cheaper than à la carte.

Suggested: In Settings → Apple ID → Subscriptions, see what's active. If you're paying for 3+ separately, switching to Apple One Family saves ~$5/mo. Also unlocks Apple TV+ so you can question Netflix.

5. Cancel "possibly stale" subscriptions before they restart

save ~$1,025 / yr if re-billed

Prose, Stitch Fix, Hungry Harvest, Sweetgreen, Amazon Kids+ — not billed in 2+ months

Subscriptions that paused without a clean cancel often restart silently:

  • Prose (haircare) — $65/mo, last Nov 6, 2025 — cancel if not using
  • Stitch Fix — $101 avg, last Dec 23, 2025 — Plaid now flags ANNUAL, verify settings
  • Hungry Harvest — $24, last Feb 26, 2026 — pause expires?
  • Sweetgreen — $15.47 sub, last Jan 9, 2026
  • Amazon Kids+ — $6.35, last Jun 27, 2025 — already churned, ignore
  • One Medical — $30, last Mar 3, 2026 — verify next renewal date

Action: open each app, confirm cancel state. Total potential restart cost: $215/mo if all reactivate.

🟡 Medium Priority — Optimize Existing

~$600 / yr potential

6. Verizon Wireless is high at $200 / mo

save $600 / yr

$200.80 / mo · $2,410 / yr

Likely includes device payments on two phones. Even on the same network (Verizon prepaid, Visible by Verizon, or Total by Verizon) you can usually save $40–60/mo per line on a postpaid plan.

Suggested: Once device payments are done, switch to Verizon Prepaid ($30–50/line) or Visible ($25/line) — same towers. Mint Mobile ($15–30/line) if T-Mobile coverage works at home.

7. Three different Ring plans appeared over the past year

verify, possible $120 / yr

Ring AI Pro $21.19/mo active; Ring Standard $10.59 + Ring Premium $20.01 + Ring Unlimited $10.60 historical

Plaid sees the upgrade path — Standard → Premium → AI Pro. Probably fine, just one active plan. But worth opening Ring app to confirm only one is actually being charged.

Suggested: Verify single billing line in Ring app. If duplicates exist, cancel the redundant tiers.

8. BWI Central Building parking — 101 charges / yr

~$1,160 / yr (context-dependent)

$11.50 avg × 101 hits = $1,161

Daily airport parking at BWI. If this is work travel and reimbursed, no action. If personal travel or non-reimbursed, this is a high-leverage line.

Suggested: If recurring work travel, check ICF expense policy / monthly BWI parking pass ($175/mo flat). If 8+ days/mo, the monthly pass saves money.

🔍 Investigate — Unknown or Suspicious Charges

small $ but worth checking

9. Unknown / small recurring merchants

~$90 / yr if all canceled

Fameassist $48 · Roboca $24 · Snake $6 · Budge $11 · Skylight Frame $397

  • Fameassist ($23.80 × 2, last Aug 13, 2025) — unclear; possibly a celebrity-fan app or impersonation. Search the merchant in your card statements for the descriptor.
  • Roboca ($4.87 × 5, ended Dec 30, 2025) — appears stopped; likely a kids' app micro-charge.
  • Snake ($3.17 × 2) — likely Snapchat+ ($3.99/mo). Confirm.
  • Budge ($5.29 × 2) — Budge Studios runs kids' games (Daniel Tiger, Strawberry Shortcake). Likely in-app purchase, not a sub.
  • Skylight Frame ($198 × 2) — digital photo frame + cloud plan. Confirm whether $198 was hardware (one-time) or recurring.

Action: for each, look up the merchant in your transactions tab and check the description. If you can't identify it, dispute with PNC and add to card-block list.

10. State Farm $5.22 / mo — what is this?

verify purpose

$5.22 / mo · $63 / yr · very stable amount

GEICO covers auto. State Farm at $5/mo is an unusual price point — too low for auto, life, renters, or homeowners. Possibilities: identity-protection rider, drive-safe-and-save app fee, umbrella policy add-on, or a legacy line.

Action: log into State Farm or check your policy doc. Cancel if it's a leftover.

🟢 Already Looks Good

no action needed

These recurring charges look intentional and well-priced for what they deliver:

  • Two MD 529 contributions ($75 × 2 = $1,800/yr) — one per kid, sensible college savings.
  • Goddard School + Goldfish Swim — core childcare/activities.
  • Mosquito Joe — seasonal but consistent service.
  • Chewy pet supplies — already on auto-ship discount; optimize delivery cadence inside Chewy if storage allows.
  • Mortgage, Tesla loan, student loans, HELOC — payment streams are stable; refi or accelerated payoff is a separate analysis.
  • Single Ring AI Pro plan — assuming verified, $254/yr is reasonable for home security cloud.
  • GEICO auto, Costco/AAA/Prime memberships — competitive priced, deliver value.