Screens in this prototype

Reach: Transactions

Default load for the typical prod user (free tier, no filters). One transaction is already split from earlier use — its "Split · N ways" marker sits under the amount and the meta line shows no category. Change Category is a searchable combobox with Close and Save; Save is disabled until the category changes.

Reach: Expand an expense → Split (under the amount)

Reached from the Split action that sits under the amount on the expanded row (concept placement). The editor opens with every dollar input empty (Aidan 26 Aug 2026): the first part keeps the transaction's current category but its amount is blank, and the second part is fully blank. Empty counts as 0, so the editor opens showing the full amount as Remaining and Save disabled until the remainder reaches zero.

Reach: Split → enter less than the total

Live remainder with Save blocked. SCOPE AC2.

Reach: Split → enter more than the total

Parts total more than the transaction.

Reach: Split → pick the same category twice

SCOPE FR4 / AC5.

Reach: Split → tick "Always split … like this"

Opt-in with the explainer of what the rule will do. Live: ticking the box and saving creates an in-session rule keyed on the merchant and applies it at once to every other matching expense (parts scaled by amount). SCOPE FR9.

Reach: Split → Save split

In-flight state, controls disabled.

Reach: Split → Save split → request fails

Error message with the values kept so the user can retry.

Reach: Split any expense and save, then re-expand it

The split parts card, with the "Split · N ways" marker under the amount. Each part shows a subline with its OWN tags and its OWN entity link (Aidan 26 Aug 2026, HANDOFF FR36/FR37): tag chips with add/remove and a "+ Tag" control, then the entity link ("Link to Entity" when empty, the entity name when set). The entity control is Pro-gated like the row-level one; notes and attachments stay transaction-level. One seeded part carries a "Reimbursable" tag and a "Rental — Matai St" entity. Live: any expense can be split and saved repeatedly, and Remove Split returns it to its ORIGINAL pre-split category (else the largest part). v1 has no split editing: the action row shows Remove Split (Pro-gated, like creating one) in place of the old Edit Split, so the user removes the split and creates a new one. The single-category control is hidden here, so the only other button is Close, which sits on the options row.

Reach: Expanded expense → Split (under the amount) as a free user

Splitting is Pro-only. A free user still sees the Split link, but tapping it opens the standard Pro-gate upgrade modal (ProUpgradeModal.tsx, the same modal Entities opens) with copy adapted for splitting, not the editor. Dismissing returns to the list. A Pro user goes straight to the editor.

Reach: Save a split as a rule, then watch it apply to the other COUNTDOWN rows

Shows the standard split marker — v1 does not show rule provenance ("by a rule" cut 26 Aug 2026; future improvement). Live: saving any split with the rule box ticked cascades to sibling expenses from the same merchant; removing one rule-made split reverts only that row. SCOPE FR10 / AC13.

Reach: Expand an income transaction

Income is splittable now (Aidan 26 Aug 2026). Expanding an income row offers the same Split action as an expense, the editor works the same way (amounts positive, "Split · N ways" marker under the income amount), and rules apply to matching income merchants. Transfers and mortgage transactions stay un-splittable. SCOPE FR13 / AC16.

Reach: Sidebar → Build My Life → My Rules, or ?screen=my-rules

The real Build My Life › My Rules page (MyRulesTable.tsx desktop table, RuleCard.tsx mobile cards). Lists existing rule types (a categorization and an ignore rule, both the real 'Transaction' badge) plus split rules under a new lavender 'Split' badge. A split row shows the match (merchant or 'Description contains ...') and the action as PERCENTAGES, e.g. 'Split: Groceries 80% / Household 20%' (FR10 — rules are proportional, not dollar-fixed). Split rules are view + delete only in v1: no pencil, delete opens DeleteRuleModal. Live: a rule created in the split editor this session appears here at once; deleting a split rule removes it but leaves already-split transactions split. Not Pro-gated.

Reach: First load / refetch

Real page skeleton, from the screen template.

Reach: Search returns nothing

Real page empty state, from the screen template.