01
Connect the household
Secure, read-only Plaid connections bring checking, savings, credit, and loan accounts into one household ledger.
Live · Household audits available
See where your year really went.
A household financial audit that reconciles 12 months, finds what is missing, and turns the evidence into three usable budgets and a 90-day repair plan.
Secure Plaid bank connection Secure workspace available now
The Moreno household · synthetic
Your financial year, reconciled
Household Number
$5,460
reconciled monthly cost
Available margin
$1,364
average per month
Annual household cost
$65,522
reconciled total
Household coverage
4 institutions · 148 ledger entries
Household coverage
Likely missing account found
$18,258 in annual payments appears to flow to an unconnected Capital One card.
Live product walkthrough · 2 minutes
A budget can balance—and still be built on the wrong number.
Watch the actual sample audit reconstruct a year, expose a missing-account gap, recalculate the Household Number, and turn one reconciled result into three budgets and a 90-day plan.
Real product workflow · synthetic household data · no customer financial information · captions included
12 months
reconstructed
148
ledger entries reviewed
$65,522
true annual cost
2
targeted questions
Where your year went
A reconciled household ledger, not another category chart.
Transfers and connected card payments are excluded. Refunds reduce their original category. Ambiguous activity stays outside the total until the household answers a targeted question.
Ledger integrity verified
Every visible total comes from the same report result. Report ID: SHA-AUDIT-4109AFA4
External household spending
$65,522
Home & utilities$28,752
Food & household$5,712
Family & care$11,040
Annual commitments$1,460
Unconnected account payments$18,258
Lifestyle & subscriptions$300
Three budgets, three jobs
The plan changes when life changes.
Every budget below reconciles to its visible components. Missing-account payments stay protected until the household resolves them.
Reality monthly budget
$5,460
Known essentials
$3,914
Unconnected gap
$1,522
Flexible
$25
Component total: $5,460 · Integrity check passed
Evidence-backed recommendations
Every recommendation has receipts.
Advice is tied to ledger evidence, reproducible arithmetic, confidence, and a first action. Unsupported savings claims are not shown.
01
Close the invisible card gap
Connect the Capital One account to verify $18,258 in payments.
Accuracy
Evidence found
02
Fund annual costs before they become emergencies
$1,460 in identified annual expenses was not represented as a monthly reserve.
$1,460/yr planned
High confidence
03
Review recurring household drag
$300 in recurring subscriptions was found in the ledger.
Up to $75/yr
Medium confidence
How it works
Minimal effort for the household. Maximum traceability in the report.
02
Resolve only material gaps
The engine finds missing accounts and ambiguous activity, then asks only questions that can change the result.
03
Receive a verified plan
The ledger produces the Household Number, three budgets, recommendations, and a 90-day repair plan with evidence.
Interactive sample workflow
From evidence gaps to an updated 90-day plan.
Synthetic data only. Answers remain in browser memory and disappear when the page is refreshed.
Load the synthetic household to answer two material questions and watch the report recalculate.
Security and privacy
Customer control is built into every step.
The private workspace enforces sign-in, consent, household ownership, encrypted records, export, disconnection, and deletion. Provider requests are verified and fail closed when a safe response cannot be confirmed.
Review the trust centerLive
Read-only Plaid intake
The server integration and signed webhook verification are active; customers authenticate through Plaid Link, never through a Sclerite password form.
Implemented
Encrypted customer records
Identity, consent, household ownership, encrypted persistence, and no-store private responses are implemented.
Implemented
Deletion and retention
Customers can export data, revoke individual connections, or delete the complete household record with an auditable receipt.
Active rule
Strict product isolation
Home Audit does not share source, credentials, data, customers, or claims with Sclerite Intelligence.
Straightforward pricing
Start with one complete audit. Add monitoring only if it helps.
Home Audit is $72 one time. After purchasing your audit, you can optionally add monitoring for $13/month. Monitoring requires the initial audit purchase and is never included automatically.
Household Audit
Core product$72
one time
- 12-month multi-account reconstruction
- Missing-account and reconciliation review
- Household Number and three budgets
- Verified recommendations
- Professional report and 90-day plan
Ongoing Monitoring
$13
per month after an audit
- Optional after a paid audit
- Automatic transaction updates
- New missing-account alerts
- Budget drift detection
- Quarterly plan refresh
- Cancel future renewals anytime
Secure checkout opens inside your private workspace after sign-in and consent. The monitoring plan is offered separately only after a paid audit.
Frequently asked questions
The questions a careful household should ask.
Can I connect a real bank account today?
Yes. After purchasing the Household Audit, connect authorized household accounts through Plaid Link inside your private workspace.
Will Sclerite see my bank password?
No. Customers authenticate through Plaid Link. Sclerite Home Audit does not collect or store online-banking credentials.
Which accounts belong in an audit?
Checking, savings, credit cards, loans, and other accounts used by the household should be included. Coverage is shown before a report can be finalized.
What happens when an account is missing?
The ledger identifies recurring payments to unconnected institutions, shows the evidence, and asks a targeted question before the result is finalized.
Does answering a question change the report?
Yes. In both the sample and the private product, each saved answer recalculates annual cost, the Household Number, margin, coverage, categories, and all three budgets.
Is this financial advice?
No. Sclerite Home Audit is educational financial analysis. It is not individualized legal, tax, investment, credit, or accounting advice.
Can I delete my data?
Yes. The public sample uses only synthetic data in browser memory. In the private workspace, customers can export their data, disconnect one institution, or permanently delete the complete Home Audit record.
Customer control
The private workspace records consent and lets each household export, disconnect, or permanently delete its Home Audit data.
Live safeguards
Financial intake and payment collection run through verified provider requests and fail closed when configuration cannot be confirmed.
Product boundary
Sclerite Home Audit is a distinct Sclerite-family software product. It is isolated from Sclerite Intelligence and every other Sclerite application.
Educational financial analysis, not individualized legal, tax, investment, credit, accounting, or financial-planning advice.