A First Look at the Farenor Personal Financial OS

The first article in this series explained why I started building the Farenor Personal Financial OS. This one shows what the system looks like today.

The screens below come from an internal illustrative demo populated with fictional data. Names, balances, transactions, and prices are examples—not live financial information. The demo shows the interface and selected capabilities as they are being developed; it is not a finished public product.

One place to see the overall picture

The home screen brings several parts of the system together: a net-worth summary, recent investment changes, upcoming scheduled activity, and recent transactions. It gives the user a quick overview, with links into more detailed account and register views.

Illustrative Financial OS home screen showing a net-worth summary, investment changes, upcoming bills, and recent transactions. — The home screen brings account, investment, scheduled-activity, and transaction summaries together. All displayed data is fictional.

Accounts organized across the household

The Accounts screen groups cash, credit cards, investment accounts, loans, and other assets. The sample data shows how different parts of a household’s finances can appear in one place while remaining organized by account.

Investment values depend on available price information. The demo notes when valuations are partial; displayed values are not live quotes.

Illustrative accounts screen grouped into cash, credit cards, investments, loans, and other assets. — Account groups provide a consolidated view. Investment values in this demo may be partial and are not live quotes.

Portfolio detail beyond the account balance

The Portfolio screen shows individual holdings within each investment account, including quantity, price, market value, cost basis, unrealized gain, and income. Cash is shown separately, with a link to its associated transactions.

Illustrative portfolio screen showing investment holdings, market value, cost basis, unrealized gain, income, and cash. — Holdings and cash are shown together at the account level using fictional sample data.

Managing recurring activity

The recurring transactions screen brings scheduled bills, deposits, and transfers into one view. Each item can show its next date, frequency, account, category, and remaining occurrences. The current screen identifies paycheck and investment schedules as still in development.

Illustrative recurring transactions screen listing scheduled bills, deposits, and transfers. — The current demo brings several kinds of recurring activity into one schedule.

The editor supports more than a fixed amount. A recurring amount can increase or decrease by a set amount or percentage, with the adjustment applied to future occurrences. One scheduled occurrence can also be changed without changing the rest of the series.

Illustrative recurring transaction editor showing amount, frequency, and increase-or-decrease settings, followed by scheduled occurrences. — Rules can model changing amounts, and a single occurrence can be adjusted independently.

Scheduled items remain plans until they are entered and approved as transactions. The editor includes a manual reminder mode; automatic entry runs only while the local application is open. This is recurring transaction management, not an external bill-payment service.

Looking ahead with cash flow

The Cash Flow screen plots projected daily balances over a selected date range. It can show multiple cash accounts together and separately. The forecast combines actual ledger activity with unposted scheduled amounts, and estimates are labeled.

The chart is a planning view, not a record of completed transactions. Forecast results depend on the dates, schedules, and assumptions entered into the system.

Illustrative cash-flow forecast chart showing projected balances for two cash accounts over six months. — The forecast combines actual ledger activity with scheduled amounts; estimates are identified in the interface.

An evolving internal project

These screens show how the system is developing, not a finished commercial product. The OS is being built and tested in stages, with an emphasis on keeping financial records organized and making analysis easier to inspect. Personal financial data remains private; public examples use fictional sample data.