Can a prompt replace Monarch Money?

Build a CSV-first personal finance dashboard: import bank and card CSV exports, with a per-bank column mapping saved after the first import and rows deduped by a date-amount-description hash so re-imports are always safe. Categorize with simple rules — a substring or pattern match on the description sets the category automatically — and give a fast review screen for whatever's left uncategorized. Track monthly budget targets per category with actual-versus-budget bars, and a manual-entry accounts table (for things without CSVs, like a pension or property) feeding a net-worth chart built from balance snapshots you enter periodically. Add a recurring-charge detector: the same merchant at a similar amount on a roughly monthly cadence gets flagged and listed with its annualized cost — this subscription-audit view alone often justifies the build.

Do not build automatic bank sync, multi-user household accounts, or mobile apps — no bank credentials should ever need to enter this system, and the monthly CSV import ritual is the honest price of keeping it that way.