Stanford Checkpoint 2

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Stanford Checkpoint 2

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Welcome, Chris

How would you like to build your financial picture?

🏦Link an institution / accountConnect a bank account in this prototype.› ⇧Upload financial documentsImport a CSV, Excel file, or PDF statement.› ✎Use manual trackingEnter accounts and transactions yourself.›

Your setup so far0 sources

? Bamboo needs your help placing 4 transactionsWe have a good guess, but we are not certain which spending category fits them best.

Review category suggestions See all category assignments

Continue to Bamboo Skip for now

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What are you adding?

Choose the kind of account you want Bamboo to include.

🏦BankChecking or savings› +OtherInvestment, crypto, real estate, or loans›

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Choose your bank

This is a simulated connection. No credentials are sent.

WFWells FargoChecking and savings› BABank of AmericaChecking and credit cards› SFSchoolsFirst FCUCredit-union accounts› CHChaseChecking and credit cards›

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Simulated secure connection

Wells Fargo

Bamboo found one account available for this checkpoint.

✓ Everyday Checking
Account ending in 2048

Transactions and balances will be available to Bamboo. This prototype does not contact a real institution.

Connect this account Choose a different bank

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✓

Account linked

Wells Fargo · Everyday Checking · •••• 2048

What would you like to do next?

You can link every bank offered in this prototype, then return here to add documents or continue.

Link another account Choose another import method Continue to Bamboo

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1 Choose2 Check3 File

Upload documents

Bamboo reads one document at a time, then lets you check it before anything is saved.

Import to Let Bamboo decide ⇧ Choose a financial document Simulated CSV, XLSX, or PDF upload

or

Use the Stanford demo statement

What Bamboo looks for
Transaction date, description, amount, income or expense direction, and duplicate rows. No actual file is selected or read in this prototype.

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1 Choose2 Check3 File

Document ready

Bamboo pretended to read the statement. Check what it found before filing anything.

CSVchris_checking_august_2026.csvSynthetic Stanford demo document

Institution detectedWells Fargo

Transactions found42

Possible duplicates0

Rows needing attention4

Review 42 transactions Choose a different method

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1 Choose2 Check3 File

Check the import

wells_fargo_checking.csv

Wells Fargo format detected · Aug 1–31, 2026 · checking •2048

Statement rows42

Possible duplicates0

ProcessedAug 25 · 9:42 AM

This file will update transactions and categories. The linked account supplies the current balance.

Selected transactions42 of 42

✓CSULB PAYROLLAug 1 · Income+$4,820.14

✓RENT PAYMENTAug 2 · Housing−$2,150.00

✓TRADER JOE'S #184Aug 3 · Groceries−$86.43

✓SCE AUTOPAYAug 4 · Utilities−$118.27

✓BEST BUYAug 5 · Needs review−$246.19

✓FIDELITY TRANSFERAug 6 · Transfer−$400.00

Import 42 transactions Choose a different file

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1 Choose2 Check3 File

Review categories

Bamboo filed 38 automatically. We have a good guess for 4 more, but we are not certain where they belong.

Use these 4 suggestions Review these after all imports

1 Choose2 Check3 File

Statement filed

✓

42 transactions imported

38 filed automatically · 4 reviewed

Reconciliation receiptchris_checking_august_2026.csv · Aug 1–31MATCHED

Statement rows42

Bamboo accounted for42

Duplicates excluded0

Income$4,820.14

Spending−$3,286.71

Transfers−$400.00

Net change+$1,133.43

Back to setup Import another document

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Help Bamboo place these

We have suggestions for 4 transactions, but your quick check will make the plan more accurate.

These categories look good Back to setup

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All category assignments

Review every category Bamboo assigned. Less-certain choices are marked for a closer look.

Imported transactions42 total

Back to setup

Bamboo

Setup complete.

Reconciliation details ›

Safe to spend

$629.00

Aug 7–20

Day Week 2 weeks Month

Every number below uses this same period.

Available$2,539.99

Bills due−$1,355.99

Groceries + gas−$255.00

Buffer−$300.00

Safe to spend$629.00

Your upcoming bills are covered.

Next up›

Fixed bills and expenses you planned ahead.

Today & tomorrow

Aug8RentHousing Fixed$1,250

Aug8InternetUtilities Fixed$74.99

This week

Aug10GroceriesHousehold Planned$135

Aug12Birthday dinnerCelebration Planned$120

Coming 2 weeks

Aug16Auto insuranceInsurance Fixed$184

Aug19Weekend tripTravel Planned$420

This month

Aug28Car paymentTransportation Fixed$386.40

Aug30School suppliesFamily Planned$95

Next month

Sep9Family visitTravel Planned$250

Sep12Mom's birthday giftGifts Planned$80

Pinned tools

Car affordability
$618/mo · Tight but workable 📌

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Calendar

Planned expenses and fixed payments

Day Week Month

‹ August 2026tap to change year ›

Choose a year

Tap any date

Bamboo will open that date's Day view. Dots mark days with planned expenses.

Bamboo

Planned Budgets

A practical plan learned from your last 4 months

Household planNeeds your confirmationCHECK Shared monthly plan$4,220 Chris 60% · Alex 40%Review ›

Daily Weekly Monthly

Monthly amounts

i Estimated typical expensesCalculated from your past transaction data Review

Current subscriptions3 identified $195.27/mo

Prorated for comparison and already included in the expense totals below. Tap one to see its actual charge and frequency.

Fixed expenses$2,740/mo

Variable expenses$1,480/mo

Other$1,040/mo

“Other” keeps savings goals, gifts, travel, and irregular plans visible without treating them as routine spending.

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Subscription

Actual charge

$0.00

Monthly

Expected—

StatusActive

Comparable monthly amount $0.00/mo Prorated so it can be compared with the rest of your budget.

Bamboo keeps the original billing amount and cadence. Proration changes only how the subscription is displayed alongside the rest of the budget.

Bamboo

Goals

Add goal

Emergency fund

$6,400 of $10,000

64%

At $600/mo · Apr 2027

Japan trip

$1,850 of $5,000

37%

At $250/mo · Oct 2027

👥  Shared with AlexShared

Ask how to reach this sooner›

Bamboo

Ask Bamboo

Answers from your financial picture

✓ Uses summaries — never your source transactions

→

Try asking

What are my fixed expenses?›

Can I afford a $32,000 car?›

How can we reach our emergency fund sooner?›

👥 Personal + shared finances

Bamboo

Ask Bamboo

Answers from your financial picture

✓ Uses summaries — never your source transactions

‹  What are my fixed expenses?

Answer

$3,420 per month

Your usual fixed expenses based on the last 4 months.

What is included

⌂  Housing$2,650

💡  Utilities$310

🛡  Insurance$280

▶  Subscriptions$180

Why this answer

Recurring amounts and timing were detected in your financial summaries.

4 months · Personal + shared

🔒  Source transactions unavailable to assistant

Review expenses Pin to Today

Bamboo

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Review estimated expenses

Calculated from transactions observed from April through July 2026.

Fixed$0/moRecurring payments› Variable$0/moEveryday spending that changes› Other$0/moOne-time and unexpected expenses› Needs your input2Our least-certain estimatesTap to examine the transactions and model confidence.›

How should Auto repair ($640) affect your plan?

Treat it as a one-time expenseKeep it in Other; do not expect it every month. Plan for repairs regularlyAdd a monthly Transportation allowance.

Should Annual membership ($120) be planned every year?

Yes — plan $10 each monthTreat it as a fixed subscription. No — keep it as one-timeLeave it in Other for this plan.

i Changes affect the plan, not the original bank transactions.

Use this baseline Save this as a variation Review saved variations

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Fixed expenses

Transactions Bamboo grouped as fixed.

Confidence is Bamboo's estimate, not a certainty. Tap a transaction to correct either decision.

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Transaction

Spending category

Model confidence

Budget grouping FixedVariableOther

Model confidence

Expected payment scheduleTell Bamboo when this fixed expense should appear.

Frequency Monthly Yearly Quarterly Weekly Every 2 weeks Something else

Describe the frequency

Month JanuaryFebruaryMarchAprilMayJuneJulyAugustSeptemberOctoberNovemberDecember

Expected weekday(s)

SunMonTueWedThuFriSat

When is it expected? On specific date(s) During a week of the month On a repeating weekday Use a custom timing rule

Day(s) of the month

Use commas when the payment is expected more than once.

WeekFirstSecondThirdFourthLast Preferred dayAny daySundayMondayTuesdayWednesdayThursdayFridaySaturday

Which occurrence?FirstSecondThirdFourthLast WeekdaySundayMondayTuesdayWednesdayThursdayFridaySaturday

Describe when it is expected

Schedule checkExpected monthly on day 18.

Model schedule confidence: 90%

Other grouping
Use this for one-time, unusual, or unexpected expenses that should not shape a normal month.

Save changes

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Save this variation

Keep this version while you test another approach.

Variation name

What gets saved

Your category and grouping choices, plus the resulting estimated monthly amounts. Original transactions remain unchanged.

Save variation Cancel

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Saved budget variations

Test one version without losing the plan you chose to keep.

Edit the current variation

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Can I afford a $32,000 car?

Answer

Tight but workable

It leaves $862 each month after your usual plan.

Monthly room now$1,480

Estimated payment−$618

Room after$862

Assumptions

Price$32,000  ›

Down payment$2,000  ›

Term60 months  ›

Rate6.0%  ›

  Calculated locally from these assumptions and your financial summaries.

Ask about this result Pin to Today

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Data & imports

The evidence behind your plan

Financial picture used todayReconciled through Aug 31, 2026CHECKED

Wells Fargo Everyday Checking · •2048Simulated balance · refreshed Aug 7$2,539.99

chris_checking_august_2026.csvAug 1–31 · 42 statement rows · checking •2048Import

Stanford demo historyApr 1–Jul 31 · used only to estimate BudgetPlan only

No other accounts or transactions are included.

Import history2 records

Export reconciled data for Excel

Use Bamboo as the monthly workflow, or keep the export beside your spreadsheet while you build trust.

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Import receipt

Review imported transactions Review duplicate decision

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Imported transactions

Open any uncertain item to correct its category and who it belongs to.

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Transaction

SourceAug statement · •2048

Bamboo's confidence—

Spending category Who is this for?

Chris · Personal Household · Shared Alex · Personal Transfer

Personal spending stays private and is excluded from the household contribution split.

Use this choice for similar transactions next time. Save transaction

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Check the household plan

Estimated from reconciled transactions, Apr–Jul 2026

What counts as sharedHousing, utilities, groceries, insurance, and agreed family plansDRAFT

Shared household expenses$4,220/mo

Chris's personal expensesStay personal

Alex's personal expensesStay personal

How should shared expenses be contributed?

Proportional · 60 / 40Chris $2,532 · Alex $1,688 each month Equal · 50 / 50Chris $2,110 · Alex $2,110 each month

Confirm this household plan Not now