Transform raw PDF bank statements, CSV ledgers, and Excel workbooks into audit-grade financial dashboards. Deterministic balance math auditing, 30-day ML forecasting, and payee classification with zero server data risk.
Vanguard operates 100% inside your web browser using WebAssembly parsing, sparse vector TF-IDF embeddings, linear regression time-series forecasting, and 16+ deterministic exact-number rules.
Financial files are parsed, validated, and analyzed entirely in client memory. Zero data is ever sent to external cloud APIs or third-party servers.
Sparse Bag-of-Words TF-IDF vector similarity classifies payees into 20+ categories with ML confidence scores.
Linear regression model fits daily cash flow momentum to calculate R² fit confidence, velocity slope, and 95% confidence bounds.
Automatically detects document type (Bank Statement, General Ledger, Invoice, Payroll, Sales Report) with confidence ratings.
100% exact math calculations for opening/closing balance verification, operating vs gross cash flow, and merchant HHI concentration.
Frequency-weighted currency detection for NGN ₦, GBP £, EUR €, USD $, CAD C$, AUD A$, ZAR R, KES KSh, GHS GH₵, AED, and JPY ¥.
Evaluates savings rate, cash reserves volatility, income consistency, overdraft safety, top merchant HHI concentration, and pre-analysis ledger quality to assign a Grade (A+ to D) with risk levels.
Retained Net Surplus Ratio
Coefficient of Variation
Payroll Cycle & Source Diversification
Overdraft & Deficit Day Audit
HHI Index & Top 3 Payee Share
Balance Math Validation Score
Drop any PDF bank statement, CSV transaction export, or XLSX Excel file. Parsed 100% locally in browser memory.
Scans balance math (Prev ± Amt = New), verifies date integrity, isolates transfers, and tags anomalies.
Explore running balance charts, category breakdowns, health ratings, 30-day forecasts, and export CSV/PDF reports.
Everything you need to know about privacy, calculations, and machine learning models.
Join 18.3K+ financial analysts running audit-grade in-browser analytics today.