Personal financial intelligence. Powered by LUCID.
How do you want to start?
Choose what works for you right now. You can always update your data later.
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Upload my bank statement
Fastest. Callie reads your patterns automatically.
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Build my cycle manually
Step by step. Takes about 3 minutes.
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Show me a demo first
Callie
Personal financial intelligence. Powered by LUCID.
โ Back
Upload your bank statement
Callie reads your paycheck pattern, recurring bills, and spending โ then builds your cycle automatically. No manual entry.
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Tap to select your PDF
Chase, Bank of America, Wells Fargo, and more
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statement.pdf
Ready to analyze
Reading your statement...
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Couldn't read your statement
We had trouble analyzing this file. Try a different statement or build your cycle manually.
Your statement is sent securely to Callie's private analysis layer and is not stored by this beta app.
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Callie
Let's build your financial map.
Step 1 of 4 โ Your Starting Point
What's your current balance?
Open your banking app and check your main checking account. Just the number โ no judgment here.
$
This is your starting point. Callie builds everything else from here.
Callie
Now let's map your income rhythm.
Step 2 of 4 โ Your Paycheck
Tell me about your paycheck.
Use your take-home amount โ what actually lands in your account after taxes.
Take-home amount
$
How often do you get paid?
Every 2 weeks
Weekly
Twice a month
Monthly
When was your last payday?
Callie uses this to calculate exactly where you are in your cycle today.
Callie
What comes out every month?
Step 3 of 4 โ Recurring Bills
Add your recurring bills.
Think mortgage or rent, car payment, insurance, utilities. Add what you know โ you can always edit later.
๏ผAdd a bill
Bill name
Amount
$
When in the cycle does it usually hit?
Days 1โ3
Days 4โ6
Days 7โ9
Days 10โ14
Don't stress about perfection. You can edit everything after setup.
Callie
Almost there. One last thing.
Step 4 of 4 โ Optional
How do you typically spend?
Rough monthly estimates are fine. This helps Callie calculate your safe-to-spend runway each cycle.
๐ Groceries
$
โฝ Gas
$
๐ Restaurants
$
๐ฑ Subscriptions
$
๐ณ Debt payments
$
Skip spending โ build my cycle now
Callie
โก โ LUCID
"Upload your bank statement or build your cycle manually โ and I'll show you exactly where you stand."
Your Checking Account
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Complete setup to see your cycle
๐ฏ Priority Mission
Complete your setup to get your first mission from Callie.
Recent Transactions
Grocery Store
Demo
-$87.42
Electric Bill
Demo
-$134.00
Home Mortgage
Demo
-$1,850.00
Employer Payroll
Demo
+$3,200.00
Callie Score
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PENDING
01000
Complete setup to calculate your score.
๐ THE CYCLE
Complete setup to see your cycle
Day 1โDay 14
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Bills Paid
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Now
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Still Due
โ Already Happened
Your completed bills will appear here
๐ You Are Here
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"Once your setup is complete, Callie will show you exactly where you stand in your cycle โ and what your balance actually means."
๐ Coming Next
Upcoming bills will appear here
What This Cycle Accomplished
โณ Waiting for your setup...
๐ Upload a statement or restart setup
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Missions unlock after setup
Complete your setup and Callie will generate missions based on your real patterns โ not generic advice.
"Each mission moves the needle. Pick one and own it this cycle."
Active Missions
Freedom Meter
Complete setup to calculate
Target: $12,000/mo passive income
Account Summary
Primary Checking
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Savings Account
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Payroll Pattern
Callie detects your paycheck pattern automatically from your statement.
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Flags appear after analysis
Upload your bank statement and Callie will scan for unknown charges, double billing, and unusual patterns.
"Review each flag. Each one resolved protects your money."
"Three paths forward. Each one starts with a single decision you make this week."
Path A โ Discipline First
Reduce your top spending category by 30% this cycle. Move the difference to savings. In 12 months: a fully funded emergency fund and a higher Callie Score.
Path B โ Attack Debt
Pay minimums on everything. Direct all extra cash at your highest-interest balance first. Each cycle that passes clears the path to more cash flow.
Path C โ Build Now
Activate an investment account. Start with $100 per cycle in low-cost index funds. Time in the market beats timing the market. Your Freedom Meter starts moving.
Upload your statement to get paths personalized to your real numbers.