offramp your money, debriefed

Your card already knows you.
Make it talk.

Drop in a card statement CSV. offramp reads your habits, makes claims about you, lets you grade those claims — and only then does it earn the right to tell you what to do next.

or
No statement handy?

Meet a fictional New Yorker with six months of very real-looking habits: a ghost gym, four streaming services, and a Trader Joe's dependency.

⛬ parsing and analysis run entirely in this tab — no uploads, no servers, no account. Your statement never leaves the page. The one exception is the optional "second opinion" on the last screen, which you have to switch on yourself.

The mirror

before you see a single number — what do you think you spend?

The debrief

Monthly burn

Where it goes

Every day, on one canvas

Claims about you

Each one carries the engine's confidence. Some of these it can't actually know from data alone — that's what step 03 is for.

Calibration

Your answers become an eval set. The engine gets scored, then rewires itself.

Next best action

The queue

ranked by impact × confidence ÷ effort

Second opinion

the only part of offramp that uses the network

Everything above came from rules I wrote by hand. They find what they were built to find and nothing else. Hand Claude the same summary and it reads the layer above: tensions between what you said you wanted and what you actually do. Optional, opt-in, your own API key.

⚠︎ what gets sent, if you click the button Category totals, merchant names, your subscription list, monthly totals, your budgets and goal, your calibration answers. Never raw transaction rows. It goes to api.anthropic.com and nowhere else. Your key is stored in this browser only. Skip this and offramp stays fully offline.