Spending Tracking
Use real spending to answer real planning questions.
Kerdora connects transaction history to the full client plan, so advisors can see where money is going, identify what can change, and turn cash flow into better advice.
Connected Accounts
Real spending data
AI cleanup
Turn spending data into advice.
Use real transaction history to see what changed, what can change, and how cash flow affects the client's goals.
Where can they find the extra cash flow?
When a mortgage payment, insurance premium, tuition bill, or other expense rises, use spending history to find realistic places to adjust.
What needs to change to reach their goals?
Compare current cash flow to goals and savings targets, then identify the spending changes most likely to move the plan forward.
What should future spending look like?
Turn today's spending into better planning assumptions by removing temporary expenses, flagging uncertain items, and estimating future needs.
Deeper analysis tied directly to the plan
Use Dora to ask follow-up questions, compare spending against goals, and turn the answer into plan updates you can review.
Flexible analysis
Analyze spending from any angle.
Switch between categories, category groups, merchants, accounts, tags, months, quarters, and years. Start with the planning question, then shape the view around the answer you need.
Categories · Groups · Merchants · Tags · Time periods
Easy to Start
Link accounts or import from existing sources
Clients can link accounts. You can also Import existing transaction history from existing tools or spreadsheets to get up to speed or do a one-time analysis.
Import · Link accounts
Easy to maintain
Clean tracking without extra bookkeeping.
Custom categories, rules, tags, merchant cleanup, and Dora-assisted review help the data stay useful after the first pass. Dora will also automatically enrich transactions against categories as transactions come in.
custom categories · Rules · Tags · Dora
Planning action
Turn your analysis into recommendations.
Because spending sits inside the full plan, advisors can connect cash flow to goals, savings targets, retirement needs, debt, liquidity, and real tradeoffs. The result is a planning conversation with specific actions, not a disconnected spending report.
Goals · Savings targets · Liquidity · Tradeoffs
FAQ
Frequently asked questions
Do clients need linked accounts?
No. You can import transaction history or use linked accounts when ongoing updates make sense. Spending Tracking is designed to make real spending useful without waiting on a perfect aggregation setup.
Can I create custom categories?
Yes. You can build category groups and categories around how your firm wants to review spending, cash flow, and planning tradeoffs.
How do rules and tags work?
Rules apply repeat cleanup automatically, like categorizing transactions, hiding transfers, renaming merchants, or adding tags. Tags add flexible planning context without rebuilding the category structure.
Can Dora help clean it up?
Yes. Dora can review transactions, spot patterns, suggest cleanup, and help answer planning questions from the spending data.
How does this connect to the plan?
Spending can be compared to goals, savings targets, retirement needs, liquidity decisions, debt strategy, and other planning context inside Kerdora.
Advisor-built
Built from real planning conversations.
Kerdora started inside an advisory firm, where spending conversations were never just about the numbers. The useful part was understanding how cash flow supported the client's goals, where it created pressure, and what action belonged in the plan.
“The useful part of spending data is the conversation it opens: where cash flow supports the plan, where it fights the plan, and what should change next.”
Taylor Stewart, CFP®
Founder, Kerdora
“This is the most useful software I’ve used in my 30-year career.”
Nate Clark, Envision Retirement Solutions
Use real spending in the next planning conversation.
Walk through how Kerdora helps advisors connect transaction history to goals, cash flow, tradeoffs, and client action.
Schedule demo