Industry solution

Personal Finance

Run the household's money like a well-kept small business

Net worth, recurring obligations, rental returns, billable hours and tax reserves, each in the product built for it, working together.

Products
7
Challenges
5
Concepts
15
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A home desk with a laptop showing a household finance dashboard and bill calendar beside a folder of paper statements.
BrainyRich(opens BrainyRich in a new tab)Subscriber Bot(opens Subscriber Bot in a new tab)HousingVista(opens HousingVista in a new tab)TimeCampus(opens TimeCampus in a new tab)ProServiceWorld(opens ProServiceWorld in a new tab)FluidGrids(opens FluidGrids in a new tab)Botlit(opens Botlit in a new tab)

The problem

Why a household's money is harder to run than it looks

A household's money is spread across a dozen logins, a stack of auto-debits, a let-out flat and, for freelancers, irregular income with tax to set aside. The spreadsheet holding it together is always out of date.

A typical household's money now sits in more places than anyone can hold in their head: salary and savings accounts at more than one bank, a brokerage, retirement and provident-fund accounts, monthly investment plans (SIPs), some gold, a car loan, a home loan and often a flat that is let out. Each lives behind its own login and statement cycle, none knows about the others, and the spreadsheet that ties them together is usually months old and kept by one person.

Recurring commitments have multiplied quietly. Equated monthly installments (EMIs) on loans, insurance premiums, SIPs, school fees, utilities and a long tail of subscriptions are auto-debited from whichever account was convenient when each was set up. One crowded debit date can bounce a premium; a forgotten annual renewal can land in the same week as a car repair.

For the self-employed, the household is also a small business. Income arrives irregularly, some of it with tax already withheld by clients; hours that were never logged are never billed; quarterly tax installments must be funded from money that looked spendable when it arrived. Property investors live with the same gap between the headline number, gross rent, and the real one. Most tools solve one slice, which leaves the household to act as the integration layer.

Who this is for

  • The household's money manager

    One honest net-worth number, bills that never collide on the same debit date, and goals that are actually funded rather than hoped for.

  • Freelancers and independent consultants

    Hours that reach an invoice, payments that arrive on time, and a tax reserve that is still there when the installment falls due.

  • Small landlords and property investors

    What each flat really earns after vacancy, maintenance, tax and loan interest, and when leases, policies and service contracts expire.

  • Independent financial planners

    Client households that arrive with organized accounts, goals and obligations, so meetings go to decisions instead of data gathering.

  • Accountants and tax preparers for individuals

    Complete, clearly labeled documents from self-employed clients before deadline week, and installment schedules clients can follow.

A day in the life

The story behind the solution

A week of running the Deshmukh household's money

Ritika Deshmukh is an independent product-strategy consultant in Pune. She and her husband Kabir, a salaried operations manager, have a seven-year-old daughter, a two-bedroom flat in Wakad that they let out, and a plan to buy a larger home in Baner. Ritika is also, by default, the household's finance department. This is a week in which every loose thread pulled at once.

  1. Monday, 8:15 pm

    The lender wants a statement by Thursday

    The home-loan relationship manager emails a checklist: a statement of assets and liabilities, two years of tax returns, six months of bank statements. Ritika opens eleven tabs: two banks, the brokerage, Kabir's provident fund, the mutual fund platform, the car loan, the Wakad flat's loan account. Last March's spreadsheet still lists three accounts that were closed. At midnight, when she adds her list to Kabir's, the household total comes out ₹3,20,000 too high, because both of them listed the joint fixed deposit.

    How this is solved: Net worth scattered across a dozen logins

  2. Wednesday, 7:30 am

    A premium bounces on the 5th

    An SMS: the term insurance premium of ₹3,450 did not go through. Overnight, the Wakad EMI and three SIPs left the salary account before the premium did, and the bank added a return charge. Scrolling the card statement to check the insurer's grace period, Ritika finds two cloud-storage plans for the same family photos, a design-tool seat she stopped using when a client gave her a license, and an annual domain renewal she had forgotten.

    How this is solved: EMIs, premiums and subscriptions colliding on one debit date

  3. Wednesday, 11:00 am

    Rebuilding a month of hours from memory

    Her retainer client, capped at 40 hours a month, asks for the timesheet before approving the invoice. Ritika rebuilds it from her calendar and chat history and finds seven revision calls she never logged. A fixed-fee research project for a school network has quietly taken twice its estimate. And part of an invoice sent 52 days ago is still unpaid, with the only reminder living in her head.

    How this is solved: Billable hours that never reach an invoice

  4. Thursday, 4:00 pm

    The installment is due in nine days

    Her accountant, Sanjay Kelkar, sends his quarterly reminder: the next advance-tax installment is due on the 15th, and he needs income received to date and the tax her clients withheld. The reserve she meant to keep from July's large payment went into a new laptop and the school term fees. He also asks, for the third year running, for the Wakad rent receipts and the loan interest certificate.

    How this is solved: Tax installments funded from money already spent

  5. Saturday, 10:00 am

    Is the Wakad flat even making money?

    The Wakad tenant gives two months' notice. The housing society has raised maintenance, and the air-conditioner service contract is up for renewal. Over breakfast Kabir asks whether they should sell the flat to fund the Baner down payment. The rent looks healthy at ₹22,000 a month, but nobody has netted out the loan interest, the property tax, last year's two vacant months or the broker's fee for the current tenant.

    How this is solved: A rental flat whose real return nobody has netted out

None of this needed a financial breakthrough, only the same records kept in the right places and able to talk to each other. In the week this page imagines, the lender's statement comes from records rather than memory, the 5th of the month is visible weeks ahead, hours reach invoices, the tax reserve is set aside as money arrives, and the Wakad question is answered with realized numbers. The decisions stay with Ritika and Kabir.

Challenges and how they are solved

5 problems, several products, one connected answer

Each challenge shows the problem as it happens, how the products are designed to hand work to each other, and the concepts that illustrate it. Share any challenge on its own.

Answers are in plain business terms. Choose Technical, or open any technical detail, to see how it works under the hood.

Challenge 1 of 5

Net worth scattered across a dozen logins

BrainyRich(opens BrainyRich in a new tab)HousingVista(opens HousingVista in a new tab)Botlit(opens Botlit in a new tab)Subscriber Bot(opens Subscriber Bot in a new tab)

The problem

A home-loan application asks for figures no single statement shows: the outstanding principal on every loan as of one date, the current market value of each property, each spouse's share of jointly held deposits and funds, and the EMIs and premiums already committed each month. Seven institutions issue statements on seven different cycles, so the brokerage is as of Friday, the provident fund as of March and the car loan as of the 1st. Joint holdings appear on both partners' lists, closed accounts linger in old files, and a let-out flat is valued at whatever a neighbor's sale suggested.

What it costs

Loan applications, insurance cover decisions and every 'can we afford it' conversation start from a number nobody fully trusts, with double-counted joint accounts and forgotten liabilities.

How the products work together

BrainyRich is designed to hold every bank, investment, retirement and loan account in one place, counting joint accounts once and taking each loan balance from the lender's statement. HousingVista adds the let-out flat's estimated value, and BrainyRich produces a dated net worth statement for the home-loan lender. A Botlit assistant lists the monthly loan installments and premiums already committed, citing each figure and saying when one is missing.

How it works — technical detail

Technical detail

BrainyRich is designed to hold every account as a typed record (bank, brokerage, retirement, cash, real estate, crypto, alternative and liability), with each joint account recorded once and each loan a liability whose outstanding principal comes from the lender's latest statement. HousingVista's asset register is designed to hand over the Wakad flat's estimated value, rent collected and running costs, which BrainyRich carries as a real-estate account. BrainyRich then exports a dated net worth statement by asset class for the lender. For the lender's question about existing obligations, a Botlit agent in the household workspace is designed to call BrainyRich and Subscriber Bot tools, list every EMI and premium beside HousingVista's EMI estimate for the Baner loan, cite each figure and stop when one is missing. A household that uses a planner is designed to be able to share these records read-only into the planner's BrainyRich household client book.

The outcome it is designed for

A statement of assets and liabilities produced from records rather than reconstructed over a weekend, and the household's existing monthly obligations listed with a source for every figure.

The concepts behind it

Challenge 2 of 5

EMIs, premiums and subscriptions colliding on one debit date

Subscriber Bot(opens Subscriber Bot in a new tab)BrainyRich(opens BrainyRich in a new tab)FluidGrids(opens FluidGrids in a new tab)

The problem

Most households never chose their debit dates. Each EMI, SIP, premium and school fee was set up on whatever date the form suggested, from whichever account was open at the time, so several cluster in the first days of the month, before the transfer from the other account arrives. A missed premium brings a return charge from the bank and a grace-period countdown from the insurer. Meanwhile subscriptions multiply without anyone deciding: a family plan and an individual plan for the same service, a seat nobody opens, a yearly renewal that is forgotten in the eleven months between charges.

What it costs

Crowded debit dates cause bounced premiums and bank charges, while duplicate subscriptions and silent annual renewals drain money that was meant for the down payment.

How the products work together

Subscriber Bot is designed to put every loan installment, premium, investment plan and subscription on one calendar against the paying account's expected balance, so a crowded debit day shows up weeks ahead. A FluidGrids check each morning can warn of a shortfall and suggest a transfer or date change. Duplicate or unused subscriptions and yearly renewals are flagged, and BrainyRich earmarks each saving for the down-payment goal.

How it works — technical detail

Technical detail

Subscriber Bot is designed to model every recurring commitment (subscriptions, EMIs, insurance premiums, SIPs, utilities and school fees) as a relationship with a plan, a renewal date and the payment instrument that funds it. Its bills and EMI calendar lays them out against each funding account's projected balance, using balances designed to come from BrainyRich, so a crowded day like the 5th shows up weeks in advance. A scheduled FluidGrids workflow can run that check each morning and send a low-balance alert with a suggested transfer or date change. Subscriber Bot's spend optimization view surfaces the duplicate storage plan and the unused seat, and the calendar marks the annual renewal before it lands. Each saving is designed to hand off to BrainyRich as a monthly funding line on the Baner down-payment goal, so freed-up money has somewhere to go.

The outcome it is designed for

Debit-date collisions visible before they happen, fewer bounced payments, and every canceled subscription redirected to a named goal instead of vanishing into general spending.

The concepts behind it

Challenge 3 of 5

Billable hours that never reach an invoice

TimeCampus(opens TimeCampus in a new tab)ProServiceWorld(opens ProServiceWorld in a new tab)BrainyRich(opens BrainyRich in a new tab)

The problem

An independent consultant's billable time leaks in small pieces: a twenty-minute call that ran to an hour, revisions answered from a phone late at night, research squeezed between meetings. At month end the timesheet is rebuilt from calendars and chat threads, and whatever memory misses is never billed. Retainers drift past their cap without a conversation, fixed-fee work overruns with no early warning, and invoices go out late, which pushes payment later still. Chasing an unpaid invoice depends on someone remembering to do it.

What it costs

Unlogged hours are never billed, fixed fees overrun unnoticed, and slow payers stretch a freelancer's cash flow in the very months when the household's bills do not wait.

How the products work together

TimeCampus is designed to build each workday from calendar, chat and work apps, without timers, and suggest a client for each hour, for the freelancer to approve. A per-client view sets hours recorded beside hours billed and money collected, so retainers over their agreed hours, overrunning fixed fees and unbilled work stand out. ProServiceWorld turns approved hours into invoices and tracks overdue ones; BrainyRich records payments as they arrive.

How it works — technical detail

Technical detail

TimeCampus is designed to assemble each workday from calendar, chat, editor and browser activity into categorized blocks, without timers or screenshots, and to suggest the client each block belongs to for Ritika to accept or reject. Its effective hourly rate board is designed to set hours captured beside hours invoiced and money collected for every client, so the over-cap retainer hours, the fixed fee at twice its estimate and the unbilled work stand out. Approved hours are designed to pass to ProServiceWorld as a client-ready timesheet, where her solo practice assembles the invoice from time, milestones and fixed fees, reviews it line by line and tracks what is outstanding by age. When an invoice is marked paid, the payment is designed to land in BrainyRich as a deposit on the business account, so household planning runs on cash received, not invoices sent.

The outcome it is designed for

Every billable hour reaches an invoice or a conscious write-off, overdue invoices are visible by age, and she can see which engagements pay their way per hour.

The concepts behind it

Challenge 4 of 5

Tax installments funded from money already spent

BrainyRich(opens BrainyRich in a new tab)FluidGrids(opens FluidGrids in a new tab)ProServiceWorld(opens ProServiceWorld in a new tab)TimeCampus(opens TimeCampus in a new tab)HousingVista(opens HousingVista in a new tab)

The problem

Self-employed income arrives in lumps: a large payment one month, nothing the next, some of it already reduced by tax the client withheld. Every payment looks spendable on the day it lands, and the quarterly advance-tax installment falls due weeks later, to be paid from whatever is left. The accountant wants the year's receipts so far and the certificates for tax withheld, and at year end the interest certificates, rent records and expense receipts, which are gathered again each year from inboxes, lender portals and phone photos.

What it costs

Irregular income makes set-asides easy to skip. Installments get funded from savings or paid late, and the year-end return turns into a scramble of forwarded attachments.

How the products work together

When ProServiceWorld marks an invoice paid, FluidGrids can ask the freelancer to confirm any tax the client withheld and propose moving the share agreed with the accountant into a tax reserve. BrainyRich is designed to track the reserve against the accountant's installment dates and flag shortfalls early; it does not calculate tax. The accountant's year-end checklist fills from BrainyRich, ProServiceWorld, TimeCampus and HousingVista records, labeled by source.

How it works — technical detail

Technical detail

When ProServiceWorld marks an invoice paid, a webhook can start a FluidGrids workflow that records the deposit in BrainyRich, asks Ritika to confirm any tax the client withheld, and proposes moving the set-aside share, a percentage she agreed with her accountant, into a separate account. BrainyRich's tax reserve view is designed to track that account against the installment schedule the accountant sets and to flag a shortfall while there is time to cover it; it tracks amounts and dates and does not calculate tax. At year end the accountant's firm opens a tax-return engagement in its own ProServiceWorld workspace, with a document room whose checklist is designed to fill from a BrainyRich statement export, a collections-by-client export from Ritika's own ProServiceWorld practice workspace, her TimeCampus expense entries with receipts and HousingVista's rent ledger, each labeled with its source.

The outcome it is designed for

Installments funded from money set aside when it arrived, and a year-end document checklist that fills from records instead of forwarded emails.

The concepts behind it

Challenge 5 of 5

A rental flat whose real return nobody has netted out

HousingVista(opens HousingVista in a new tab)Subscriber Bot(opens Subscriber Bot in a new tab)BrainyRich(opens BrainyRich in a new tab)

The problem

A let-out flat is usually judged by its rent. The costs arrive separately and irregularly: society maintenance billed each quarter, property tax once a year, a plumber in July, a broker's fee every time a tenant changes, and months with no tenant at all. The loan interest sits in the lender's annual certificate rather than in anyone's head. Without those figures side by side, whether to hold, sell or re-let is decided on the headline rent, and lease ends, insurance renewals and service contracts expire unnoticed.

What it costs

Gross rent flatters a let-out property. Without realized net figures, hold-or-sell decisions and the re-letting budget rest on impressions, and lease and policy expiries slip past.

How the products work together

HousingVista is designed to set a year of rent actually collected against empty months, maintenance, property tax, repairs and broker fees, include the loan interest recorded in BrainyRich, and show gross and net yield beside the flat's estimated value. Subscriber Bot tracks the loan installment and the landlord insurance renewal. With the flat's value in BrainyRich, selling can be weighed against the down-payment goal; the household decides.

How it works — technical detail

Technical detail

HousingVista keeps the Wakad lease, rent status, maintenance history and the air-conditioner service contract. Its net yield ledger is designed to net twelve months of rent actually collected against vacancy, society maintenance, property tax, repairs and service contracts and brokerage, to read the loan-interest figure from the BrainyRich liability, and to show gross and net yield beside the estimated current value. The EMI and the landlord insurance premium live in Subscriber Bot as recurring obligations, and its vault holds the landlord policy and the home-loan interest certificate with renewal dates in view. The flat's value reaches BrainyRich through the same value feed described above, so selling can be weighed against the down-payment goal. When notice arrives, HousingVista's rental flow runs the re-letting. The decision stays with the household.

The outcome it is designed for

Gross and net yield for the flat from realized figures, lease and policy dates in view, and a hold-or-sell conversation grounded in numbers rather than impressions.

The concepts behind it

HousingVista

Rental Property Net Yield Ledger

Is designed to net twelve months of collected rent against vacancy, maintenance, property tax, repairs and brokerage, add loan interest from BrainyRich, and show gross and net yield side by side.

Works with BrainyRich, Subscriber Bot

Concept pagefor Rental Property Net Yield Ledger on the HousingVista website (opens in a new tab)

How it fits together

How a household's money moves through the products

Each product keeps the record it is built for. The hand-offs below show how hours become invoices, payments become reserves and goals, and property and obligations join the net worth, with the household and its accountant approving the moves that matter.

  1. To ProServiceWorld: an approved timesheet for each client and project

  2. To FluidGrids: notice of each payment: amount, client and invoice number

  3. To BrainyRich: the payment, the tax withheld and the amount to set aside

  4. To BrainyRich: monthly commitments per account, and money freed by cancellations for a goal

  5. To BrainyRich: the flat's estimated value, rent collected and running costs

  6. To ProServiceWorld: year-end statements, loan interest figures and reserve history for the accountant

  7. To BrainyRich: next year's installment amounts and due dates

Step 1 of 8: Capture billable time

How each hand-off works — technical detail

Technical detail

  1. 1. TimeCampus — Capture billable time: Assembles each workday from calendar, chat and editor activity and attributes hours to clients once the freelancer approves them.Hands to ProServiceWorld: An approved, client-ready timesheet per client and project.
  2. 2. ProServiceWorld — Invoice and collect: Builds invoices from approved time, milestones and fixed fees, tracks them by age, and marks each one paid when money arrives.Hands to FluidGrids: A payment-received event carrying the amount, the client and the invoice number.
  3. 3. FluidGrids — Route each payment: Runs a webhook-triggered workflow that records the deposit, asks the freelancer to confirm any tax the client withheld, and proposes the agreed set-aside transfer.Hands to BrainyRich: The deposit, the confirmed withholding and the proposed tax-reserve contribution.
  4. 4. Subscriber Bot — Map recurring obligations: Keeps every EMI, premium, SIP and subscription with its due date and funding account, and flags crowded debit days ahead of time.Hands to BrainyRich: Monthly obligations per account, and savings freed by cancellations for a named goal.
  5. 5. HousingVista — Net the rental flat: Nets collected rent against vacancy, maintenance, property tax, repairs and brokerage, and keeps the lease and estimated value current.Hands to BrainyRich: Estimated value, rent collected and running costs for the property.
  6. 6. BrainyRich — Roll up the whole picture: Rolls accounts, property and loans into one net worth, funds goals from named accounts, and tracks the tax reserve against its schedule.Hands to ProServiceWorld: Year-end statements, loan-interest figures and reserve history for the accountant's document room.
  7. 7. ProServiceWorld — File with the accountant: The accountant's tax-return engagement collects the year's statements in one document room and sets the next installment schedule.Hands to BrainyRich: Next year's installment amounts and due dates.
  8. 8. Botlit — Answer household questions: A household agent answers questions such as 'what do our fixed monthly commitments become with this EMI?' by calling BrainyRich and Subscriber Bot tools and citing each figure.

Products in this solution

What each product brings

  • BrainyRich

    The household balance sheet, goals and tax reserve

    Brings every bank, investment, retirement, property and loan account into one net worth, funds goals from named accounts with an honest projection, and is designed to track a tax reserve for self-employed income.

    Technical detail

    Technical detail

    Holds bank, brokerage, retirement, property, crypto and loan accounts as typed records rolled into one net worth by asset class, funds goals from named accounts with an honest projection, and is designed to track a tax reserve for self-employed income.

    Visit BrainyRichAll concepts

  • Subscriber Bot

    Every recurring obligation in one register

    Keeps every subscription, loan installment, insurance premium and investment plan with its renewal date and the account that pays it, stores policies and certificates in a vault, and forecasts what leaves the household and when.

    Technical detail

    Technical detail

    Treats subscriptions, EMIs, insurance premiums, SIPs and memberships as relationships with a plan, a renewal date and the account that pays them, keeps policies and certificates in a vault, and forecasts what leaves the household and when.

    Visit Subscriber BotAll concepts

  • HousingVista

    The let-out flat's operating record

    Keeps a let-out flat's lease, rent status, maintenance contracts and estimated value in one place, and estimates the loan installment on the next purchase, so the property counts in the household picture as the asset it is.

    Technical detail

    Technical detail

    Leases, rent status, maintenance contracts and the asset register for a rental property, plus EMI estimates for the next purchase, so property sits in the household picture as the asset it is.

    Visit HousingVistaAll concepts

  • TimeCampus

    Billable time without manual timers

    Builds a freelancer's day from the tools already in use, assigns hours to clients with the freelancer's approval, logs business expenses with receipts, and is designed to show what each client really pays per hour.

    Technical detail

    Technical detail

    Assembles a freelancer's day from the tools already in use, attributes hours to clients with the freelancer's approval, logs business expenses with receipts, and is designed to show what each engagement really earns per hour.

    Visit TimeCampusAll concepts

  • ProServiceWorld

    Invoicing for the freelancer, filing for the accountant

    The freelancer uses it to invoice from approved hours and track who has paid; the accountant's firm uses it to run the tax return, its deadlines and a shared document room.

    Technical detail

    Technical detail

    A solo practice uses it to invoice from approved time and track collections; the accountant's firm uses it for the tax-return engagement, its deadlines and the client document room.

    Visit ProServiceWorldAll concepts

  • FluidGrids

    The automations between money moves

    Runs the routine steps set off by a payment, a schedule or a message from another product: proposing what to set aside for tax, checking balances before crowded debit days and passing records between products.

    Technical detail

    Technical detail

    Workflows started by a payment, a schedule or a webhook: propose the tax set-aside, check balances before crowded debit dates, and route records between the other products.

    Visit FluidGridsAll concepts

  • Botlit

    A household assistant that cites its figures

    An AI assistant platform built for teams and consultants; here a small household assistant is designed to answer money questions from BrainyRich and Subscriber Bot figures, show where each came from, and say so when one is missing.

    Technical detail

    Technical detail

    An agent platform built for teams and consultants; here a small agent in the household workspace is designed to answer money questions by calling BrainyRich and Subscriber Bot tools, show where each figure came from, and say so when it cannot find one.

    Visit BotlitAll concepts

One platform underneath: Burdenoff Workspaces

All of this runs on Burdenoff Workspaces: one sign-in across the products, role-based access in the household workspace, one audit trail of every change and one bill. An accountant works in their own firm's workspace; the household is designed to share only the exports placed in its tax-return room.

Concept gallery

Every concept in this solution

15 concepts from 7 products. Each one links to its own page on the product's website, and every view has a link you can share.

Pitch kit

The Personal Finance solution in one minute

Households now run like small businesses: a dozen accounts, a stack of auto-debits, a let-out flat and, for freelancers, irregular income with tax to set aside. Burdenoff is designing BrainyRich, Subscriber Bot, HousingVista, TimeCampus, ProServiceWorld, FluidGrids and Botlit to work together, so net worth, recurring obligations, rental returns, billable hours and the accountant's checklist come from one set of records, with the household deciding every move.

  • One dated net worth statement across bank, brokerage, retirement, property and loan accounts, drawn from records instead of a spreadsheet.
  • Every EMI, premium, SIP and subscription on a calendar designed to show crowded debit dates weeks early, against the account that pays them.
  • Freelance hours captured without timers and designed to flow into invoices, with the rate each client really pays per hour.
  • A tax reserve designed to fill as each payment arrives, tracked against the accountant's installment schedule.
  • A net yield ledger designed to show a rental flat's real return after vacancy, maintenance, property tax and loan interest.
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Questions

Frequently asked

Is this financial, tax or investment advice?

No. The products are designed to organize a household's own records and show them clearly. Installment amounts come from the household's accountant, projections help with decisions but are not guarantees, and every decision stays with the people whose money it is.

Technical detail

Technical detail

No. The products are designed to organize a household's own records and show them clearly. Installment amounts come from the household's accountant, projections are decision aids rather than guarantees, and every decision stays with the people whose money it is.

Do we need all seven products?

No. Most households would start with BrainyRich and Subscriber Bot for net worth and recurring bills. Freelancers add TimeCampus and ProServiceWorld, landlords add HousingVista, and FluidGrids and Botlit come in once passing information along by hand becomes the bottleneck. Each product works on its own, with one sign-in and one bill through Burdenoff Workspaces.

Technical detail

Technical detail

No. Most households would start with BrainyRich and Subscriber Bot for net worth and recurring obligations. Freelancers add TimeCampus and ProServiceWorld; landlords add HousingVista. FluidGrids and Botlit connect the pieces once the manual hand-offs become the bottleneck. Each product works on its own, and they share one sign-in and one bill through Burdenoff Workspaces.

How do account balances and transactions get in?

BrainyRich is designed to take accounts, holdings and transactions entered by hand; Subscriber Bot works the same way, plus a browser extension. Automatic account linking with the household's consent, and finding subscriptions in connected email and payments, are on the roadmap. Where nothing links automatically, FluidGrids can be set up to bring statement figures in on a schedule.

Technical detail

Technical detail

BrainyRich is designed so accounts, holdings and transactions can be entered directly, and consent-based automatic linking through account-aggregator and open-banking frameworks is on its roadmap. Subscriber Bot starts from manual entry and its browser extension, with discovery from connected email and payment activity on its roadmap. Where no feed exists, a scheduled FluidGrids workflow can be set up to bring statement data in.

Can my partner and my accountant see different things?

Yes, by design. Access is set by role, so partners can share the whole household picture, while the accountant works in their own firm's ProServiceWorld space and sees only what the household places in the tax-return document room. Every view and change is kept in one record of who did what.

Technical detail

Technical detail

Yes, by design. Workspaces use role-based access, so partners can share the whole household picture. An accountant works in their own firm's ProServiceWorld workspace, and the household is designed to share only the exports placed in that tax-return document room. Every view and change is recorded in one audit trail.

Does this help a salaried household with no freelance income?

Yes. Net worth, recurring bills, goals and the rental flat pieces all stand on their own. Time tracking and the tax reserve matter most to the self-employed and are optional for everyone else.

Technical detail

Technical detail

Yes. Net worth, recurring obligations, goals and the rental property pieces stand on their own. TimeCampus and the tax reserve matter most to the self-employed and are optional for everyone else.

Is it available today?

No, not yet. The products are pre-launch, and this page describes how they are designed to work together for a household. Joining the product waitlists is the way to get early access and help shape what ships first.

Technical detail

Technical detail

The products are pre-launch, and this page describes a solution concept: how they are designed to work together for a household. Joining the product waitlists is the way to get early access and to help shape what ships first.

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This is a solution concept: it shows how Burdenoff products are designed to work together in this industry. The images are illustrations of the concepts, not screenshots of the actual products, and every name and figure in them is sample data.