Matching pending movements
Merchant identity or normalized description, with incoming and outgoing movements kept apart.
FOR U.S. SOLE PROPRIETORS AND SINGLE-MEMBER LLCs FILING SCHEDULE C
How a Freelancer From Rome Went From One‑by‑One Bookkeeping to One Decision Per Merchant in 4 Simple Steps
The Three-Button Method groups matching expenses across bank accounts: Import, Categorize, Export, Deliver.
THE REAL BOTTLENECK
The transactions may already be collected. The same decisions are still waiting.
Your spreadsheet, template, or accounting software may already hold every row. The repetitive work begins when the same merchant appears again and each matching movement asks for another Business, Personal, or category decision.
“Pasting my bank statement into Excel and annotating it with categories—it is surprisingly painful.”
One transaction at a time
One decision for a matching group
The shortcut applies only when the rows really belong together. When they do not, you can open the group and decide each row separately.
THE THREE-BUTTON METHOD
From imported movements to an organized workbook in seven connected actions.
The method does not remove your judgment. It changes where you use it—and preserves the exceptions instead of hiding them.
- 1
Import
Load supported CSV, Excel, QFX, QBO, OFX, or eligible text-based PDF files from the accounts you choose.
- 2
Group
Pending rows recognized as the same merchant—or the same normalized description—are brought together. Money in and money out remain separate.
- 3
Categorize
A recognized merchant can carry a suggested Schedule C category. You confirm it or change it before choosing Business.
- 4
Apply
Choose Business, Personal, or Later. The selected status and category are written to every row in that group.
- 5
Handle exceptions
Open the group and decide the rows one by one when the same merchant contains different uses.
- 6
Export
Create one
.xlsxwith Transactions, Summary, and Open Items. - 7
Deliver
Send the workbook, source records, and clearly identified questions to your tax preparer for review.
GROUP + APPLY
A group is created first. Your decision is then applied to the rows inside it.
This shows the verified product logic without inventing a merchant, amount, or transaction count.
One merchant group
The card uses the real row count and combines the group amount and date range.
Business · Personal · Later
You choose the status and, for Business, confirm or change the category.
Decision written to each row
Original date, description, amount, account, and merchant data remain attached.
Cross-account grouping
The account is preserved on every row, but it is not used to split otherwise matching merchant rows.
Limit: a group can include different accounts; that does not mean every group will.
Direction remains separate
Positive and negative movements do not share a group merely because the merchant name matches.
Limit: direction does not prove that every row has the same business purpose.
Apply records the choice
Apply updates status and category across the selected group without rewriting the source fields.
Limit: the app records your decision; it does not certify it.
EXCEPTION HANDLING
A group is a shortcut, not a final judgment.
When matching rows do not share the same use, choose the one-by-one path. Each movement remains connected to its original description, account, date, and amount.
BusinessPersonalLater
Open the group
Use individual review when the rows should not receive one shared decision.
Confirm or change the category
A merchant suggestion remains editable before a Business decision is applied.
Use Later without losing the row
Later keeps the movement open and carries it into Open Items for checking or discussion.
THE EXPORTED WORKBOOK
Finished decisions and open questions do not have to share the same pile.
The export creates three worksheets. Each one has a different job.
TransactionsEvery imported movement
The complete decision record
DateStatement descriptionMerchantAmountAccountBusiness?CategoryFlag
Original fields remain connected to the status and category recorded by the user.
SummaryBusiness rows only
Totals and counts by category
CategoryTotalNumber of transactions
Summary totals the imported amounts recorded as Business. It is not tax preparation, a filing, or a fiscal adjustment.
Open ItemsUnresolved rows
Questions kept visible
DateStatement descriptionAmountAccountWhy it is open
Pending, Later, and Needs Review items remain separate instead of being disguised as finished work.
Material for tax-preparer review
The workbook gives your preparer organized transactions, category totals, and a separate list of unresolved items. Your preparer may still request changes, supporting documents, or a different format.
FIT
Built for owner-led Schedule C record organization.
This is designed for you when…
- You are a U.S. sole proprietor, 1099 contractor, or single-member LLC filing Schedule C.
- You can export transaction files from the bank, card, or payment accounts you choose.
- You want to make your own Business, Personal, and Later decisions in a finite workflow.
- You want matching merchant rows grouped without losing individual review.
- You want an organized workbook to bring to a qualified tax professional.
This does not replace…
- A bookkeeper, accountant, or tax preparer making decisions for you.
- Tax advice, tax-return preparation, or a determination that an expense is deductible.
- OCR for scanned or photographed statements.
- Automatic bank feeds, cloud sync, or cross-device continuity.
- Professional help when penalties, notices, or urgent filing issues are already involved.
CONTROL OF THE RECORDS
No bank connection. No financial-account credentials.
You select the files you want to import. The app processes them in the browser and stores the working record in that browser.
Source fields remain visible
Date, statement description, amount, and account stay attached to the decision.
The work stays in the browser you started in
Export after meaningful sessions and before clearing browser data or moving to another device.
Unsupported scans are refused
Scanned and photographed statements are not interpreted through OCR.
WHAT IS INCLUDED
The browser app, four working guides, and a practice file.
Each part supports the same path: import the records, make the decisions, export the workbook, and prepare the handoff.
ClarityPlano App
Import supported transaction files, review matching groups, choose Business, Personal, or Later, and export the three-sheet workbook.
Practice File
Use fictional records to learn the workflow before opening your own financial files.
GUIDE 01
Start Here
The click-by-click path from opening the app to the first export.
GUIDE 02
The Catch-Up Method
A working order for completing a finite record-organizing project.
GUIDE 03
Where Does This One Go?
Plain-English category guidance to use while making your own decisions.
GUIDE 04
Three Emails to Send
Prepared messages for the points where records or the final handoff can stall.
THE OFFER
One purchase for the self-guided system.
You are buying the workflow that groups matching movements, preserves exceptions, and produces the organized workbook—not tax preparation or a decision made on your behalf.
- The browser-based ClarityPlano app
- Business, Personal, and Later decisions
- Grouped decisions with individual exception handling
- Transactions, Summary, and Open Items export
- Four working guides and the practice file
- No subscription attached to the current product
60-day money-back guarantee—with the published conditions
Refund requests are governed by the policy for this immediate-access digital product. Duplicate purchases and technical issues are always eligible under the current policy.
Read the refund conditionsQUESTIONS BEFORE BUYING
What the product does—and where your judgment still matters.
Does it decide which expenses are deductible?
No. A recognized merchant can receive a suggested Schedule C category, but you decide whether the movement was for the business and confirm or change the category. A qualified tax professional makes tax determinations.
What if the same merchant includes different kinds of purchases?
Open the group and decide the movements one by one. The product makes that exception path available; it does not automatically detect mixed use.
Can one group contain movements from different accounts?
Yes, when the merchant or normalized description and the movement direction match. The account remains attached to every row. Not every group will include more than one account.
What happens when I choose Later?
The movement stays in the record, remains open, and appears in Open Items for checking or discussion. Later does not resolve it automatically.
Does it connect to my bank?
No. You export the file from the bank, card, or payment account and import it yourself. The app does not ask for banking credentials.
Which file types can I import?
CSV, Excel, QFX, QBO, and OFX exports are supported. Eligible digital, text-based PDF statements can also be converted locally. Scanned or photographed statements are not read through OCR.
Is the workbook ready to file as a tax return?
No. It is an organized record for review. Summary reflects the Business decisions recorded by the user and does not perform tax preparation, fiscal adjustments, depreciation, or filing.
Will every tax preparer accept the workbook unchanged?
No universal acceptance is promised. Your preparer may request changes, source documents, or a different format.
Is this a subscription?
No selling plan is attached to the current product. The current store configuration is a one-time purchase.
Is the 60-day guarantee unconditional?
No. The published refund policy includes conditions for access and use of this immediate-access digital product. Duplicate purchases and technical issues are always eligible under the current policy.
Does the work sync between devices?
No. The working record stays in the browser where you started. Export after meaningful sessions and before clearing browser data or changing devices.
THE NEXT DECISION
Organize repeated merchant decisions without hiding the exceptions.
Import supported files, review matching groups, choose Business, Personal, or Later, and export the workbook for tax-preparer review.
Digital, self-guided product. Not bookkeeping, accounting, legal, or tax services. Results depend on the completeness of the imported records and the decisions provided by the user.
WHO'S BEHIND CLARITYPLANO
The same merchant shouldn't cost you a decision on every charge
I'm Carmine, and I built ClarityPlano. Sorting my own statements meant answering for the same coffee shop and the same subscription over and over. The work wasn't hard, just slow, and the repeats are what made me stop.
So The Three-Button Method groups matching charges: one decision covers every charge from that merchant. When one merchant is both business and personal, you review those separately. Not sure on a charge? NEEDS REVIEW is a real answer.
It doesn't judge what's deductible and it doesn't file your taxes. It turns scattered statements into one spreadsheet you check, then keep or hand off.
Carmine Rome
ClarityPlano AppBrowser based
Organized workbook.XLSX
TransactionsSummaryOpen Items
