Model & See App

Model & See is a personal finance app that works out how much cash will be left at the end of the month, across every current account and card, at any bank. It reads bank statements and live bank feeds through PSD2 open banking. At the start of the month it estimates the closing balance, and at month end it checks that estimate against the actual total across all accounts. It shows whether each month ends ahead, breaks even, or eats into what was already there. From the rhythm of bills and usual monthly spending, it forecasts the balance for each of the next twelve months.

A simple sheet for tracking running costs soon grew to cover income and spending, for a full picture of a person’s net cash. That picture had to live on mobile, in the same pocket as the wallet, and without the chore of budgeting. Three figures. Money comes in. Fixed expenses go out first, the bills a person has committed to, each month and across the year. What remains is for everyday living, and that is the number few ever work out.

All the processing happens on the phone: parsing, normalisation, enrichment, bill detection and the forecast itself. A live bank feed and a statement from the same account are read the same way. Statements add the history a live feed leaves out, and they build a local payee index that puts names to what the feed brings in. Bills are found by their rhythm: monthly, quarterly or yearly. Spending is one figure, a monthly baseline, set with the last three months shown beside it. The data stays on the phone, encrypted, and nothing is stored anywhere else.

The app is built in React Native with Expo, written with AI inside a reviewed, multi-agent loop. One model plans, another writes the code. A more capable model reviews every plan and change that touches the user’s data, and a gate on every push blocks any such change that skipped review. Each decision is written down as it is made, numbered and tied to an issue in Linear. The models will be swapped as better ones arrive. The review and the gate stay.