Oct 19, 2026 RobOS Household Personal Finance Tax Engine

RobOS Household: Full-Year Family Accounting and Open-Source Tax Preparation

Defined the public Household and Tax KGraph schema package and built RobOS Household to take a family from twelve months of bank and card CSV statements through W-2 PDF verification and local federal tax estimation.

Personal finance and tax preparation software usually locks family records inside proprietary cloud silos. We defined the robos:Household and public tax schema package and built RobOS Household (packages/household) around five recurring workspaces: Family, Accounts, Spending, Taxes, and Privacy.

Reconciled Multi-Account Ledger: Tested against a full synthetic family financial year across checking, savings, credit card, auto loan, investment, and cash CSV statements (318 transactions), verifying closing balances, idempotent re-imports, category corrections, and split purchases.
Side-by-Side PDF Field Review: Uses PDF.js to extract text and page coordinates from W-2 and 1099-INT forms, highlighting source fields side-by-side and blocking tax calculation until ambiguous OCR/text fields are human-reviewed and approved.
Local TenForty + OpenTaxSolver Calculation: Computes federal taxable income, standard deductions, and child tax credit supplements locally via TenForty and OpenTaxSolver while enforcing strict privacy and non-filing boundaries.

Six reconciled family accounts and net worth summary in RobOS Household — Six reconciled accounts and 318 imported transactions in the Household sandbox.

Side-by-side W-2 PDF inspection and critical field verification — Side-by-side W-2 source field highlighting and human verification before tax calculation.

Read the Family Finances walkthrough → Commits: 336fa2f2 · 6163f44e · 96650d32 · 53b8c941