Needs review7GST exceptions3Approved not posted2Draft BAS2026-Q2Preview sourceSeeded demoData modePreview

Finance operations cockpit

Co3-FIN

Review imports, clear exceptions, understand cash, and model future scale while preserving human approval.

AI suggests; humans approveDraft and preview states require human review before posting.

Preview state

Seeded demo finance data preview

No real bank data is connected. Ledger posting remains unavailable in this preview; seeded demo rows are present only to review operator flow, safety labels, and acceptance criteria.

Cash position

Seeded demo posted-ledger previewSeeded demo

Posted ledger rows only; seeded demo rows keep preview state explicit.

Review ledger basis

Net result

Draft internal previewDraft internal

Draft internal statement view from posted ledger rows only.

Open statements

Review queue

7 rowsNeeds review

Imported rows needing human classification before ledger consideration.

Review classifications

GST/BAS

3 exceptionsDraft review

Draft BAS review pack — not lodgement or tax advice.

Open draft BAS pack

Forecast

ScenarioPlanning estimate

Planning estimate, not accounting data.

Adjust assumptions

Data freshness

Seeded demo previewSeeded demo

Data mode: Preview. Seeded demo, empty, and error states remain visibly distinct.

Check audit trail

Next safe action

Attention list

GST/BASNeeds attention

Unknown GST treatment

Three imported rows need GST treatment before the draft BAS pack is useful.

Review GST treatmentStaged write
GST/BASDraft review

BAS review pack waiting

Open the 2026-Q2 pack as a draft review surface only.

Open draft BAS packRead-only
LedgerConfirmation required

Approved import row not ledgered

Posting creates a posted ledger transaction and keeps the import row intact.

Post approved row to ledgerLedger write — confirmation required
LedgerReason required

Correction awaiting review

Corrections and reversals are append-only records with a reason.

Create append-only correctionAppend-only correction — reason required

Local preview → staged import

Ingest

Account setup, CSV upload/paste, local parse, mapping, mapped preview, and staged save remain grouped here. This saves account, mapping, import batch, import rows, and audit log. It does not create ledger transactions.

Account context

Account setup

Register financial account details before staged import save. Data mode is visible before any write action.

Opening balance date
Name not setType not changedInstitution not setA$0.00Active

Browser ingestion

CSV import preview

Parse bank or card CSV files in the browser, detect headers, map fields, validate rows, and preview transactions before any database writes.

Human classification

Review

Suggestions and confidence scores support review; approval means eligible for ledger consideration, not posted.

newneeds reviewapprovedexcludedduplicateerrorledgered
Review queue classification example
DescriptionStatusSuggested categoryBusiness/personalGST treatmentConfidenceReviewer notesNext action
Supabaseneeds reviewSoftwarebusinessgst_free0.82 suggestedCheck invoice basis.Approve or correct classification
Subscription receiptduplicateSoftwarebusinessunknown0.61 suggestedPotential duplicate candidate.Mark duplicate or continue review

Approved rows → posted ledger

Ledger

Posted ledger rows stay visually separate from staged/saved import rows. Corrections and reversals are append-only.

Approved not posted

2 rowsApproved

Reviewed import rows awaiting explicit posting confirmation.

Posted ledger rows

Seeded demo previewPosted preview

Posted rows would feed draft statements and GST/BAS review surfaces.

This creates a posted ledger transaction and does not silently overwrite or delete the import row.

A correction/reversal creates a separate audit-visible record and needs a reason.

GST/BAS review

GST/BAS

Draft BAS review pack — not lodgement or tax advice. Unknown GST treatments and BAS periods remain first-class exceptions.

Unknown GST treatments3 exceptions need review.
Unknown BAS periodRows stay draft/review-only until resolved.
WorkpapersPeriod, source, and status are visible; exports stay review-only.

Draft internal reporting

Statements

Draft internal financial statements from posted ledger rows only.

Draft internal statements

Financial statements

Profit & Loss Statement, Balance Sheet, and Cash Flow Statement generated from posted ledger rows. Draft internal financial statements from posted ledger rows only.

Revenue$0.00
Net profit$0.00
Total assets$0.00
Closing cash$0.00

Profit & Loss Statement

Revenue

No rows yet.

Expenses

No rows yet.

Net profit: $0.00

Balance Sheet

Assets

No rows yet.

Liabilities

No rows yet.

Equity

No rows yet.

Balanced: Yes

Cash Flow Statement

Operating cash flow

No rows yet.

Net operating cash flow: $0.00

Closing cash: $0.00

Draft internal financial statements from posted ledger rows only.

Scenario planning

Forecast

Forecast planning estimate — not accounting data. Assumptions stay visible near the output.

Future scenario forecast

Future scale scenario

Forecast planning estimate — not accounting data. Example Co3.chat operating model for 10,000 clients across 5,000 co-parent pairs, using researched competitor pricing and adjustable assumptions. No staff costs are included because Rod and Nat are the only staff; agent work is modelled through platform/AI/tool costs.

Clients10,000 clients
Co-parent pairs5,000 co-parent pairs
MRR$199,900 MRR
ARR$2,398,800 ARR
Net monthly$181,476
Gross operating margin90.8%

Usage estimates

  • 600,000 referee-assessed messages / month
  • 180,000 Coach assists / month
  • 25,000 calendar events / month
  • 10,000 attachments / month
  • 1,074M estimated LLM tokens / month

Monthly costs

  • $372 OpenRouter/LLM API
  • $210 Supabase
  • $50 Vercel
  • $5,278 Stripe/web payment fees
  • $11,994 Apple/Google store fees
  • $520 monitoring, email, SMS, storage, backups, domains, support tools
  • $18,424 total monthly non-staff costs
Competitor subscription pricing research used for the forecast
CompetitorPublic pricing foundRelevance
OurFamilyWizard$9.17+ to $24.99/mo equivalentPublic pricing page: annual/two-year plans; higher tiers add records/storage/calls.
TalkingParents$7 / $16 / $32 per monthPublic pricing page: Essentials, Enhanced, Ultimate.
AppClose$8.99/mo or $7.99/mo webPublic pricing page and release: all-inclusive subscription, 60-day free trial.
2houses£8.25/mo billed yearlyPublic pricing page: one account for the whole family.
Custody X Change$10 / $20 / $40 per monthPublic parent-pricing page: annual discounts also offered.
Supabase public pricing: Pro from $25/mo, 100k MAU included, 8 GB DB, 250 GB egress, 100 GB file storage; compute can scale from Micro $10 to Large $110+.Vercel public pricing: Pro $20/mo plus usage, 1TB fast data transfer included, overage from $0.15/GB; function/edge/cache/image overages are usage-based.OpenRouter public pricing: GPT-4o-mini $0.15/M input + $0.60/M output; Claude 3.5 Haiku $0.80/M input + $4/M output.

Controls and data mode

Audit & Settings

Data mode: Preview. Seeded demo source labels remain visible without exposing secrets or raw environment values.

Seeded demo preview

Seeded demo finance data tables

This panel shows seeded demo finance rows for operator review. No real bank data is connected and ledger posting remains unavailable in this preview.

Income$0.00
Expenses$0.00
Net result$0.00
BAS net GST$0.00
Review queue — seeded demo rows still needing action
DateDescriptionStatusGSTAmount
No DEMO review queue rows found.
Posted ledger transactions — seeded demo preview
DateDescriptionCategoryGSTAmount
No DEMO ledger transactions found.
BAS review pack 2026-Q2 — draft workpaper rows
DateDescriptionGST treatmentEstimated GSTReview
No DEMO BAS workpaper rows found.