OSRS: $950
Groceries: $342
Sailing: $211
Fuel: $120
Belle Delphine: $180
Total Gain (this month):
$1,432
Total Gain (last month):
$1,068
- Move about $1,200 from any incoming sources or savings transfers to pay down the Citi card now — get the balance under about $2,500 immediately to cut utilization and stop interest bleeding.
- Stop this week’s Apple Cash send (about $90) and reroute that cash toward Citi instead — pause the transfer before it goes out.
- Sweep your checking into a working buffer: move whatever you can (all of the $882 plus any reimbursements arriving this week) into checking to leave at least ≈ $1,000 available after the Citi payment.
- Move about $1,200 from any incoming sources or savings transfers to pay down the Citi card now — get the balance under about $2,500 immediately to cut utilization and stop interest bleeding.
- Stop this week’s Apple Cash send (about $90) and reroute that cash toward Citi instead — pause the transfer before it goes out.
- Sweep your checking into a working buffer: move whatever you can (all of the $882 plus any reimbursements arriving this week) into checking to leave at least ≈ $1,000 available after the Citi payment.
Total Gain (this month):
$1,432
Total Gain (last month):
$1,068
OSRS: $950
Groceries: $342
Sailing: $211
Fuel: $120
Belle Delphine: $180
Total Gain (this month):
$1,432
Total Gain (last month):
$1,068
OSRS: $950
Groceries: $342
Sailing: $211
Fuel: $120
Belle Delphine: $180
- Move about $1,200 from any incoming sources or savings transfers to pay down the Citi card now — get the balance under about $2,500 immediately to cut utilization and stop interest bleeding.
- Stop this week’s Apple Cash send (about $90) and reroute that cash toward Citi instead — pause the transfer before it goes out.
- Sweep your checking into a working buffer: move whatever you can (all of the $882 plus any reimbursements arriving this week) into checking to leave at least ≈ $1,000 available after the Citi payment.
Knomor helps you catch waste spending you didn't realize you had.
Knomor helps you catch waste spending you didn't realize you had.
Demo
Watch on YouTubeKnomor is a personal finance app built on top of a bigger idea:
We’re a personal financial research company.
Most budgeting apps rely on shallow, inherited categories like “Shopping” or “Other.” They don’t actually understand your spending — they just label it and move on.
Knomor takes a different approach. We analyze every single transaction individually, pulling out real context, meaning, and patterns so you can finally see where your money is actually going.
This demo uses a sandboxed account to walk through the main features, show the labeling engine in action, and explain how Knomor turns transactions into real insight instead of noise.
Thanks for watching.
What's the Story?
I’ve always felt like personal finance apps don’t actually understand my spending. They rely on shallow, inherited categories (“Shopping,” “Other,” etc.) that tell you nothing about what really happened. When I looked at my own transactions, I kept thinking: “There’s so much information hiding in each of these. Why isn’t anyone extracting it?”
I wanted a tool that didn’t just display transactions — but studied them.
The problem
Banks and most finance apps treat transactions like generic line items. They copy the same limited metadata and move on. There’s no context, no meaning, no structure. As a user, you’re left guessing:
- Was this lunch or groceries?
- Was that Target run household stuff or a gift?
- Is this spending pattern actually trending, or is it noise?
The world runs on transactions, yet the analysis behind them is surprisingly shallow.
What Knomor does differently
Knomor examines every single transaction individually. Not just category-level guesses — real analysis. We pull out richer context, patterns, hints, signals, and structure. Enough that in theory, you could write a whole page about a single transaction.
This lets you finally see where your money goes with clarity that feels almost unfair.
How the approach evolved
When I started, Knomor was “just” a consumer budgeting tool. Then I realized the real magic wasn’t the budgeting UI — it was the transaction intelligence underneath. The deeper I built the labeling engine, the more I realized: personal finance is only the first expression of a much bigger capability.
That pushed me to build infrastructure that combines curated data, multi-layer analysis, pattern extraction, and a constantly improving labeling system — all designed to understand spending at a level no consumer app has tried before.
Where this goes long-term
Today, Knomor is a personal finance product you can use. But the underlying tech is meant for much more: universal transaction categorization, merchant intelligence, trend and pattern detection, a research-grade financial dataset, and eventually ROP (Receipts Over Payments) — attaching rich digital receipts at the payment-rail level. The long-term goal is to build the transaction intelligence layer that doesn’t exist yet, serving both everyday people and future developers.
For now
I’d love for you to try the app, poke around, label things, and tell me where it breaks or where it surprises you. I poured eight months into Knomor, and this is just The Beginning. Your feedback here will genuinely shape what comes next.
— Ryan