The Bank Processor supports:

• PDF statements - Chase bank statements
• CSV exports - Chase, Valley Bank, and other formats

The system automatically detects the bank format and processes accordingly.

Simply drag and drop all your PDF or CSV files at once. The processor will:

• Automatically sort files by date
• Combine all months into a single Excel workbook
• Create a summary sheet with monthly totals

For each statement period, we extract:

• Deposits & Additions
• ATM & Debit Card Withdrawals
• Electronic Withdrawals
• Checks Paid
• Fees

Individual transactions are also extracted with date, description, and amount.

The Smart Labeler automatically categorizes your bank transactions for tax purposes. It uses a 7-step classification hierarchy:

• Vendor rules - Your custom keyword-to-category rules with optional split or dollar threshold
• Prior Year (PY) data - Learns from how you categorized transactions before (labels are auto-normalized)
• Known vendor database - Recognizes 600+ common merchants
• Built-in rules - Uber/Lyft detection, fast food thresholds, check image OCR
• Claude AI - For transactions that can't be matched otherwise, plus a review pass to catch errors
• Post-label rules - Reclassify or split entire categories by dollar threshold after labeling (e.g., meals deductibility)

Output includes sorted tabs (shown first) with collapsible row groups, category subtotals, and all individual transactions visible.

The labeler uses color coding to indicate confidence levels:

• Green - High confidence (85%+) - likely correct
• Yellow - Medium confidence (70-84%) - probably correct
• Orange - Lower confidence (50-69%) - review recommended
• Blue - Claude AI classification - check the reasoning
• Red - Needs Review - couldn't confidently classify

Vendor Rules let you map keywords to specific categories. Each rule has three modes:

• Simple - Keyword matches a single category (e.g., "netflix" → Personal Expense)
• Split - Keyword splits between two categories by percentage (e.g., "costco" → 70% COGS / 30% Supplies)
• Threshold - Keyword uses a dollar amount to decide (e.g., "amazon" above $100 → Supplies, at or below → Personal Expense)

Rules are checked in order from top to bottom — the first matching rule wins. Drag rules up or down to set priority.

Post-Label Rules are different — they apply after all classification is done and target entire categories rather than keywords. Use them to reclassify by threshold (e.g., all "Meals" ≤ $100 → "Non-deductible Meal") or split by percentage.

PY data is a previously labeled Excel file (last year's Smart Labeler output works best). When you upload it:

• The labeler learns your categorization patterns from every payee + label combination
• Recurring vendors get automatically matched with confidence scores
• You'll see "X/Y in PY" showing how many times a vendor was labeled the same way
• Inconsistent labels from PY files are auto-corrected (e.g., "Auto-Fuel" → "Auto - Fuel")

This dramatically improves accuracy for returning clients. Expense-only categories are blocked from appearing on deposit sheets.

TIS stands for Taxable Income Summary. This tool takes your Smart Labeler output and:

• Creates a tax line mapping tab for your entity type (~40 canonical categories)
• Adds TaxLine column to sorted tabs with XLOOKUP formulas
• Generates a Fed_TIS summary with SUMIFS formulas across all sorted tabs
• Builds a reconciliation check and Super Reconciliation bridge
• Calculates out-of-period adjustments for billing cycle timing differences

The TIS Generator supports three entity types:

• Schedule C - Sole proprietors (Form 1040)
• Form 1120S - S-Corporations
• Form 1065 - Partnerships

Each has specific tax line mappings matching the actual tax forms.

Tax descriptions are mapped to specific form lines. For example, in Schedule C:

• "Advertising" → Line 8
• "Auto - Fuel" → Line 9 (Car and truck expenses)
• "Insurance" → Line 15
• "Supplies" → Line 22

The Fed_TIS tab then uses SUMIFS to total each tax line across all transactions.

Yes. PnP uses a zero-storage architecture. Your files are processed entirely in memory and never saved to disk.

• No PDFs stored — files are read into RAM, processed, and released within seconds
• No transaction data saved — there is no database table for user files because the infrastructure to store them doesn't exist
• No user accounts — no passwords, no profiles, no personal information to breach
• httpOnly cookies — access tokens can't be read or stolen by JavaScript
• HTTPS only — all data encrypted in transit with strict Content Security Policy headers

To access your data, an attacker would need to breach the hosting infrastructure, access an isolated container, and dump live process memory — all within the 2-3 second window your file exists in RAM.

Our entire payment flow is open source and MIT licensed. You can read every line of code that handles your wallet. Key protections:

• Wallet ownership — verified via Ed25519 message signing (can't fake without your private key)
• One-time nonces — burned after use, preventing replay attacks
• Duplicate payment protection — each transaction signature can only grant access once
• On-chain verification — the backend verifies the actual SOL/USDC amount received on the Solana blockchain
• Cross-device restore — paid from one device? Connect the same wallet on another and sign to restore access. Same token, no double spending.
• Rate limiting — all sensitive endpoints are rate limited to prevent abuse

Yes. Our payment flow is fully open source at github.com/YerboyMike/pnp-payment-flow. This includes wallet connection, SOL/USDC payment handling, manual payments, and the security model. No API keys or server secrets are in the repo — just the code that runs in your browser. Read it, audit it, or fork it for your own project.

The platform has three tools that work together as a pipeline:

• Step 1 — Bank Processor: Upload bank and/or credit card statements (PDF or CSV) to extract transactions into a formatted Excel workbook. Supports bank-only, credit card-only, or both combined in one file. Output: CombinedBanksummary_ClientName_Year.xlsx
• Step 2 — Smart Labeler: Upload the Bank Processor output to automatically categorize transactions. Set up vendor rules, post-label rules (meals deductibility thresholds, percentage splits), and upload PY data for learning. Uses 600+ known vendor patterns and Claude AI as fallback. Output: SmartLabel_InputFileName.xlsx with sorted tabs shown first, collapsible row groups, and category subtotals.
• Step 3: Review the labeled Excel file. Focus on yellow/red flagged rows; green items are almost always correct.
• Step 4 — TIS Generator: Upload the labeled workbook to generate a Taxable Income Summary. Maps categories to actual tax return lines (Schedule C, 1120S, or 1065), creates Fed_TIS with SUMIFS, and builds a reconciliation check. Output: TIS_ClientName_Year.xlsx
• Step 5: Review the Fed_TIS reconciliation — any difference should be explained by CC billing cycle timing. Finalize for tax preparation.

We accept three payment methods:

• SOL — 0.1 SOL per tool, or 0.5 SOL for all 4 tools (bundle) — Grand Opening Promo!
• USDC — 100 USDC per tool, or 250 USDC for all 4 tools (bundle)
• Credit Card (Stripe) — $100 per tool, or $300 for all 4 tools (bundle)

You can also join our Token Access Program by holding PnP tokens in a Phantom wallet:

• 1M tokens — Fish Starter: 10 runs per tool per year
• 10M tokens — Shark Elite: 100 runs per tool per year
• 30M+ tokens — Whale VIP: Unlimited runs + first access to new features

Simply connect your Phantom wallet on any tool page to check your access tier. Note: The PnP Token has no intrinsic value and is used solely for tool access.

Each time you use a tool (Bank Processor, Smart Labeler, TIS Generator, or Sales Tax Helper) it costs 1 run. Key details:

• Shared across tools — Runs purchased on one tool page can be used on any of the four tools.
• Single or bundle — Buy a single-tool run or a bundle that covers all 4 tools.
• Runs counter — Your remaining runs are displayed in the header on each tool page, with a per-tool breakdown on hover.
• Pay from anywhere — The payment modal is available on every tool page. Choose your preferred method and start processing.

Yes! A public Analytics Dashboard is available from the navigation bar. It includes:

• KPI overview — Total visitors, runs, revenue, and payments at a glance
• Charts — Visitors and runs over time, revenue trends, tool distribution, and page views
• Period selectors — View data for the last 7, 30, or 90 days
• User feedback — Leave comments and read what others have shared

Currently supported:

• Chase — Bank statements (PDF and CSV) and credit card statements
• Valley Bank — Transaction CSV exports

The system auto-detects the bank format. It is designed to be extensible, so new bank formats can be added over time.