Mehta pilot — what we changed & proof it's live

1. Missing credit-card entries (groceries · travel · health)Captured & reconcilesNow filed to Ali's chart

"Groceries, travel and health were undercounting because credit-card entries were missing."

In plain terms: The April ENBD credit-card statement — the one that carried the ~817 groceries line and a month of card spend that was simply absent from May — is now loaded. May used to show bank accounts only; it now shows the card too: AED 87,727 of spend across 273 lines, and it balances to the last fils against the statement's own totals.

So travel, health and groceries in May are no longer undercounting because entries are missing — the entries are in. Travel now carries AED 24,963, health-related heads ~AED 18,200, grocery heads ~AED 4,900 for this cycle.

Update — 14 Jul, fixed: the first cut of these lines was landing on a set of duplicate category labels ("Grocery" vs "Home & Groceries", "Dining" vs "Entertainment", a stray "DEWA") that sat outside Ali's chart — so the spend scattered and some of it dropped out of the totals entirely. That was a real bug, now fixed: all 217 lines are re-filed under Ali's own chart of accounts (Travel, Health & Wellness, Medical, Groceries, Utilities, Shopping), and the duplicate labels are gone. A handful of genuinely unclear lines are parked under "Needs your eye" for Ali to place — we never invent a head that isn't his.

2. Credit-card split logicCategories + cardholders: doneRunning clearing account: live

"Bank pays one lump sum to Amex/ENBD; the system should split it into expense categories and cardholders, and net the payable to zero each month."

Split into expense categories — done: every card line is booked to a spending head (the category breakdown above).

Split into cardholders — done two ways: a per-cardholder total (below), and a control to split a single line across family members (including Rania & Viraj).

Net the payable to zero — now built (14 Jul). This is a proper running clearing account per card: opening balance b/f + charges − payments = closing carried forward. A card reads zero only in a month it is paid off in full; otherwise the closing is the genuine amount still owed, carried into the next month. Verified live: ENBD's May closing (AED 84,595.86) becomes its June opening (AED 84,595.86) — the balance carries across statement months.

The decision behind it: the family runs a revolving balance, so we deliberately do not force the payable to zero each month — that would misstate what's owed. A carried balance is the correct treatment for a revolving card, not an error. We also do hold both settlement payments — AMEX (−AED 472,136, on NBF Expense) and ENBD (−AED 48,588, on the ENBD AED statement). The ENBD one wasn't being recognised as a card payment (its bank line reads "CC NO.-…2663", not "ENBD") — that detection is now fixed too. The only leg we genuinely don't hold is the −AED 133,180 that cleared ENBD's opening balance in April, a prior-period payoff.

3. What else we fixed along the wayAll live

• AMEX was showing at a third of its real value — 176 rows held US-dollar amounts wrongly tagged as dirhams. Relabelled and folded at the fixed 3.6725 peg; AMEX now reads correctly (about $34,152 for the cycle).
• Rania & Viraj weren't in the system — added as family members, so their spend can be split to them (shown above).
• Card spend was landing in the wrong month — statements now book into the month Ali journals them (statement cycle), not by each line's own date.
• The system couldn't hold two identical charges — two coffees on the same day, or one fee billed to two cards, used to silently merge into one. This was the exact wall that blocked loading April. Fixed, so nothing gets dropped.
• Card 1175 "misattribution" — investigated against the real statement: that card doesn't exist (it was a mis-read of Priya's 1209, already correct). No change needed — and importantly, we didn't invent one.