{ "meta": { "fixture_version": 1, "generator": "scripts/gen-demo-fixture.py", "seed": 20260816, "home_currency": "CAD", "disclaimer": "Invented data. Every account, merchant, employer and amount here is fictional and generated from a fixed seed. No real user's ledger was read to produce this file, and no production data of any kind is in it." }, "rates": { "2026-02-16": { "CAD": 1.0, "USD": 1.3684, "INR": 0.01618 }, "2026-02-17": { "CAD": 1.0, "USD": 1.369833, "INR": 0.01620661 }, "2026-02-18": { "CAD": 1.0, "USD": 1.371249, "INR": 0.01623292 }, "2026-02-19": { "CAD": 1.0, "USD": 1.372634, "INR": 0.01625862 }, "2026-02-20": { "CAD": 1.0, "USD": 1.37397, "INR": 0.01628344 }, "2026-02-21": { "CAD": 1.0, "USD": 1.375245, "INR": 0.01630711 }, "2026-02-22": { "CAD": 1.0, "USD": 1.376444, "INR": 0.01632938 }, "2026-02-23": { "CAD": 1.0, "USD": 1.377555, "INR": 0.01635003 }, "2026-02-24": { "CAD": 1.0, "USD": 1.37857, "INR": 0.01636887 }, "2026-02-25": { "CAD": 1.0, "USD": 1.379479, "INR": 0.01638574 }, "2026-02-26": { "CAD": 1.0, "USD": 1.380275, "INR": 0.01640054 }, "2026-02-27": { "CAD": 1.0, "USD": 1.380956, "INR": 0.01641317 }, "2026-02-28": { "CAD": 1.0, "USD": 1.381518, "INR": 0.01642361 }, "2026-03-01": { "CAD": 1.0, "USD": 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{ "CAD": 1.0, "USD": 1.3765, "INR": 0.01633042 }, "2026-08-01": { "CAD": 1.0, "USD": 1.37677, "INR": 0.01633545 }, "2026-08-02": { "CAD": 1.0, "USD": 1.377126, "INR": 0.01634206 }, "2026-08-03": { "CAD": 1.0, "USD": 1.377564, "INR": 0.01635019 }, "2026-08-04": { "CAD": 1.0, "USD": 1.378078, "INR": 0.01635973 }, "2026-08-05": { "CAD": 1.0, "USD": 1.378659, "INR": 0.01637052 }, "2026-08-06": { "CAD": 1.0, "USD": 1.379298, "INR": 0.01638239 }, "2026-08-07": { "CAD": 1.0, "USD": 1.379984, "INR": 0.01639513 }, "2026-08-08": { "CAD": 1.0, "USD": 1.380704, "INR": 0.01640851 }, "2026-08-09": { "CAD": 1.0, "USD": 1.381445, "INR": 0.01642226 }, "2026-08-10": { "CAD": 1.0, "USD": 1.382191, "INR": 0.01643611 }, "2026-08-11": { "CAD": 1.0, "USD": 1.382927, "INR": 0.01644979 }, "2026-08-12": { "CAD": 1.0, "USD": 1.383639, "INR": 0.016463 }, "2026-08-13": { "CAD": 1.0, "USD": 1.38431, "INR": 0.01647547 }, "2026-08-14": { "CAD": 1.0, "USD": 1.384926, "INR": 0.0164869 }, "2026-08-15": { "CAD": 1.0, "USD": 1.385472, "INR": 0.01649705 } }, "accounts": [ { "id": "acc-cheq", "name": "Everyday Chequing", "institution": "Northline Bank", "type": "chequing", "currency": "CAD" }, { "id": "acc-card", "name": "Aurora Rewards Card", "institution": "Northline Bank", "type": "credit", "currency": "CAD" }, { "id": "acc-nre", "name": "NRE Savings", "institution": "Sahyadri Bank", "type": "savings", "currency": "INR" }, { "id": "acc-usd", "name": "Freelance USD", "institution": "Harbourline Financial", "type": "chequing", "currency": "USD" } ], "categories": [ { "id": "cat-salary", "name": "Salary", "class": "income", "icon": "wallet" }, { "id": "cat-salary-in", "name": "Salary (India)", "class": "income", "icon": "wallet" }, { "id": "cat-freelance", "name": "Freelance", "class": "income", "icon": "wallet" }, { "id": "cat-dividend", "name": "Dividends", "class": "investment_return", "icon": "coins" }, { "id": "cat-rent", "name": "Rent", "class": "expense", "icon": "home" }, { "id": "cat-grocery", "name": "Groceries", "class": "expense", "icon": "cart" }, { "id": "cat-dining", "name": "Dining", "class": "expense", "icon": "cup" }, { "id": "cat-transit", "name": "Transit", "class": "expense", "icon": "train" }, { "id": "cat-utilities", "name": "Utilities", "class": "expense", "icon": "bolt" }, { "id": "cat-phone", "name": "Phone & Internet", "class": "expense", "icon": "signal" }, { "id": "cat-subs", "name": "Subscriptions", "class": "expense", "icon": "repeat" }, { "id": "cat-health", "name": "Health", "class": "expense", "icon": "heart" }, { "id": "cat-shopping", "name": "Shopping", "class": "expense", "icon": "bag" }, { "id": "cat-family", "name": "Family support (India)", "class": "expense", "icon": "users" }, { "id": "cat-tax", "name": "Tax withheld", "class": "expense", "icon": "receipt" }, { "id": "cat-sip", "name": "Mutual fund SIP", "class": "investment", "icon": "chart" }, { "id": "cat-tfsa", "name": "TFSA contribution", "class": "investment", "icon": 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"mid_market_rate": 60.8406, "rate_received": 59.7151, "spread_pct": 1.85, "cost_home": 27.75 }, { "id": "remit-2", "kind": "cross_border_transfer", "sent": { "amount": 2200.0, "currency": "CAD", "date": "2026-05-08" }, "received": { "amount": 133567.07, "currency": "INR", "date": "2026-05-11" }, "mid_market_rate": 61.8567, "rate_received": 60.7123, "spread_pct": 1.85, "cost_home": 40.7 }, { "id": "remit-3", "kind": "cross_border_transfer", "sent": { "amount": 1750.0, "currency": "CAD", "date": "2026-07-03" }, "received": { "amount": 105211.82, "currency": "INR", "date": "2026-07-05" }, "mid_market_rate": 61.2542, "rate_received": 60.121, "spread_pct": 1.85, "cost_home": 32.37 } ], "kpis": { "home_currency": "CAD", "period": { "start": "2026-02-16", "end": "2026-08-15" }, "transaction_count": 181, "spend_home": 19781.51, "income_home": 44737.43, "invested_home": 3868.04, "investment_return_home": 150.1, "net_home": 21237.98, "cross_border_out_home": 5450.0, "local_invested_home": 1468.04, "by_category_home": { "cat-rent": 11790.0, "cat-grocery": 2198.18, "cat-shopping": 1268.23, "cat-dining": 1119.91, "cat-transit": 936.0, "cat-family": 853.17, "cat-utilities": 493.58, "cat-phone": 372.9, "cat-health": 354.89, "cat-tax": 223.64, "cat-subs": 171.01 }, "lens_spend": { "CAD": 19781.51, "USD": 14380.16, "INR": 1212581.36 } }, "assistant": [ { "id": "q-spend", "question": "Where did my money actually go?", "answer": "Over the six months to August 15, 2026 you spent 19,781.51 CAD. The three biggest buckets were Rent at 11,790.00, Groceries at 2,198.18, Shopping at 1,268.23. Transfers and card payments are excluded \u2014 they move money that is already counted somewhere else.", "figures": [ 19781.51, 11790.0, 2198.18, 1268.23 ] }, { "id": "q-remit", "question": "What did sending money to India really cost me?", "answer": "You sent 5,450.00 CAD across 3 transfers. Against the mid-market rate on each arrival date, the spread cost 100.82 CAD \u2014 about 1.85% of what you sent. That is the number no single-currency budget can show you, because it only exists between two currencies.", "figures": [ 5450.0, 100.82 ] }, { "id": "q-inr", "question": "Show me the same spending in rupees.", "answer": "The same 19,781.51 CAD of spending is 1,212,581.36 INR \u2014 converted at each transaction's own date, not one average rate for the period. Flip the Currency Lens above and every figure on the page moves with it.", "figures": [ 19781.51, 1212581.36 ] }, { "id": "q-invest", "question": "How much capital did I actually deploy?", "answer": "3,868.04 CAD went into investments over the period, of which 1,468.04 CAD was deployed inside India as a rupee SIP. Dividends of 150.10 CAD came back and are counted as income. Orbiq does not track live market prices, so there is no 'portfolio value' here and no unrealised gain \u2014 only the money that moved.", "figures": [ 3868.04, 1468.04, 150.1 ] }, { "id": "q-codes", "question": "What are those TDS and SIP lines on my Indian account?", "answer": "They are Indian statement codes, read directly rather than dumped into 'Uncategorized'. TDS is tax deducted at source and WTAX is withholding on interest \u2014 both filed as tax withheld. SIP is a systematic investment plan instalment, filed as capital deployed. DIV is a dividend credit, filed as income. No aggregator is involved on this account at all; it arrived by import.", "figures": [] }, { "id": "q-roast", "question": "Roast my spending.", "roast": true, "answer": "You spent 1,119.91 CAD on other people cooking for you, which is 186.65 a month of deciding that today was not the day. Meanwhile the rupee SIP went out on the 28th every single month without being asked twice \u2014 so we know you are capable of discipline, you just apply it selectively and at a distance of eleven thousand kilometres.", "figures": [ 1119.91 ] } ] }