Statements parsed. Charges explained.
Most apps stop at the bank-transaction description. Lossless reads the receipt, the statement PDF, the email confirmation, and the calendar — and explains every charge in your life.
Every charge, finally explainable.
Monarch and Copilot stop at the merchant string. Lossless goes one layer deeper — it reads the email receipt, the statement PDF, the calendar invite, the iMessage thread, and the photo of the paper receipt — and produces one record per charge, with everything attached.
- ✓ Statements (HELOC, mortgage, brokerage) parsed into typed line items
- ✓ "What was that charge?" → real answer, with receipt
- ✓ Couples / household: shared records without losing per-person privacy
- ✓ Year-end CPA bundle: every line cites email + PDF + bank entry
- ✓ Continuous, year-round — not a tax-season scramble
A single charge with receipt, invoice, and Plaid match attached.
Six charges. Six explanations.
| Date | Charge | Source | Amount |
|---|---|---|---|
| 04-30 | SQ*MERCHANT Coffee + bagel · Blue Bottle Marina · matched Square receipt email | gmail | -$11.40 |
| 04-28 | AMZN MKTP US*ZX42 Standing desk monitor arm · home-office tag suggested | gmail · pdf | -$249.00 |
| 04-26 | VENMO PAYMENT To Maria · "for dinner Sat" · iMessage agreement linked | imessage | -$84.00 |
| 04-24 | VANGUARD INVEST Recurring Roth IRA contribution · Apr · YTD $4,200 | vanguard · stmt | -$700.00 |
| 04-22 | BLUE SHIELD CA Premium · auto-allocated 30% S-corp / 70% personal | gmail · pdf | -$612.00 |
| 04-21 | STRIPE TRANSFER Client payment · Acme Co · matched invoice #00481 | stripe | +$3,400.00 |
What Monarch / Copilot / YNAB don't do.
"SQ*MERCHANT $412"
Most apps give you the merchant string. Lossless gives you the matching email receipt, the line-item PDF, the calendar context, and the iMessage thread.
HELOC, mortgage, brokerage
Other apps store the PDF and call it done. Lossless extracts every line item — principal, interest, escrow, dividends — into typed records you can query.
Tesla & FasTrak
Mileage and tolls deductions left on the table by every personal-finance app. Lossless has the data source.
Persistent context
Monarch's AI Assistant forgets between sessions. Lossless's chat is grounded in your actual records.
Year-end export
Schedule E summaries are everywhere. Source-attached, audit-defensible bundles aren't.
Tax season went from a Saturday to a chat message. The CPA called to ask which app I used.
— Beta user · two-account, two-Tesla household