diff --git a/docs/source/workbook/_downloads/gnucash_demo/gnucash_demo_daily_totals.csv b/docs/source/workbook/_downloads/gnucash_demo/gnucash_demo_daily_totals.csv
index f747370..9087b85 100644
--- a/docs/source/workbook/_downloads/gnucash_demo/gnucash_demo_daily_totals.csv
+++ b/docs/source/workbook/_downloads/gnucash_demo/gnucash_demo_daily_totals.csv
@@ -1,8 +1,8 @@
-date,revenue_proxy,expenses_proxy
-2026-01-03,250.0,0.0
-2026-01-05,300.0,20.0
-2026-01-07,180.0,0.0
-2026-01-09,100.0,0.0
-2026-01-02,0.0,120.0
-2026-01-04,0.0,800.0
-2026-01-06,0.0,50.0
+date,revenue_proxy,expenses_proxy,net_proxy
+2026-01-02,0.00,120.00,-120.00
+2026-01-03,250.00,0.00,250.00
+2026-01-04,0.00,800.00,-800.00
+2026-01-05,300.00,20.00,280.00
+2026-01-06,0.00,50.00,-50.00
+2026-01-07,180.00,0.00,180.00
+2026-01-09,100.00,0.00,100.00
diff --git a/docs/source/workbook/track_d_byod.rst b/docs/source/workbook/track_d_byod.rst
index b97e197..2b1fd85 100644
--- a/docs/source/workbook/track_d_byod.rst
+++ b/docs/source/workbook/track_d_byod.rst
@@ -52,6 +52,34 @@ Validate the normalized tables:
 
    pystatsv1 trackd validate --datadir byod/my_project/normalized --profile core_gl
 
+PyPI-only setup (no Git required)
+----------------------------------------------
+
+If you just want to *use* Track D tools (you don’t need to clone the repo):
+
+1. Create a virtual environment.
+2. Install PyStatsV1 from PyPI.
+3. Use the CLI + the workbook downloads in this section.
+
+.. code-block:: console
+
+   python -m venv .venv
+
+   # Windows (Git Bash)
+   source .venv/Scripts/activate
+
+   # macOS/Linux
+   # source .venv/bin/activate
+
+   python -m pip install -U pip
+   pip install "pystatsv1[workbook]"
+
+(Optional) sanity check:
+
+.. code-block:: console
+
+   pystatsv1 doctor
+
 Next: choose a tutorial
 -----------------------
 
diff --git a/docs/source/workbook/track_d_byod_gnucash.rst b/docs/source/workbook/track_d_byod_gnucash.rst
index 222f7eb..f7e7243 100644
--- a/docs/source/workbook/track_d_byod_gnucash.rst
+++ b/docs/source/workbook/track_d_byod_gnucash.rst
@@ -83,7 +83,7 @@ Export a CSV that includes your accounts and the date range that covers your dem
 Step 4 — Initialize a Track D BYOD project
 ------------------------------------------
 
-From your PyStatsV1 repo root (or any folder you like):
+From any folder you like (your BYOD projects can live anywhere):
 
 .. code-block:: console
 
@@ -123,6 +123,12 @@ The adapter reads this file and writes the canonical tables to ``normalized/``.
 
 If you want to test without GnuCash, copy the demo export instead:
 
+If you installed PyStatsV1 from PyPI (no repo clone), download **"Demo export (complex/multi-line)"** above
+and copy that file to ``byod/gnucash_demo/tables/gl_journal.csv``.
+
+If you have the repo source code, you can copy the demo export from this docs folder:
+
+
 .. code-block:: console
 
    # (Windows PowerShell)
diff --git a/docs/source/workbook/track_d_byod_gnucash_demo_analysis.rst b/docs/source/workbook/track_d_byod_gnucash_demo_analysis.rst
index 1e729d0..cd13cb7 100644
--- a/docs/source/workbook/track_d_byod_gnucash_demo_analysis.rst
+++ b/docs/source/workbook/track_d_byod_gnucash_demo_analysis.rst
@@ -13,8 +13,9 @@ What we’ll build
 A small daily table:
 
 - ``date``
-- ``revenue_proxy`` (credits to Income accounts)
-- ``expenses_proxy`` (debits to Expense accounts)
+- ``revenue_proxy`` (net credits to Revenue accounts)
+- ``expenses_proxy`` (net debits to Expense accounts)
+- ``net_proxy`` (revenue_proxy − expenses_proxy)
 
 Download (prebuilt)
 -------------------
@@ -31,62 +32,42 @@ Assume your BYOD project is at ``byod/gnucash_demo`` and you have:
 - ``byod/gnucash_demo/normalized/gl_journal.csv``
 - ``byod/gnucash_demo/normalized/chart_of_accounts.csv``
 
-Create a tiny script (for example ``scripts/gnucash_daily_totals.py``) with:
+Run the built-in helper:
 
-.. code-block:: python
-
-   from pathlib import Path
-   import pandas as pd
-
-   root = Path("byod/gnucash_demo")
-
-   gl = pd.read_csv(root / "normalized" / "gl_journal.csv")
-   coa = pd.read_csv(root / "normalized" / "chart_of_accounts.csv")
-
-   gl["date"] = pd.to_datetime(gl["date"], errors="coerce")
-
-   gl["debit"] = pd.to_numeric(gl["debit"], errors="coerce").fillna(0.0)
-   gl["credit"] = pd.to_numeric(gl["credit"], errors="coerce").fillna(0.0)
+.. code-block:: console
 
-   gl = gl.merge(coa[["account_id", "account_type"]], on="account_id", how="left")
+   pystatsv1 trackd byod daily-totals --project byod/gnucash_demo
 
-   revenue = (
-       gl.query("account_type == 'Income'")
-         .groupby(gl["date"].dt.date)["credit"]
-         .sum()
-         .rename("revenue_proxy")
-   )
+This writes:
 
-   expenses = (
-       gl.query("account_type == 'Expenses'")
-         .groupby(gl["date"].dt.date)["debit"]
-         .sum()
-         .rename("expenses_proxy")
-   )
+- ``byod/gnucash_demo/normalized/daily_totals.csv``
 
-   daily = (
-       pd.concat([revenue, expenses], axis=1)
-         .fillna(0.0)
-         .reset_index()
-         .rename(columns={"index": "date"})
-   )
+Option B — Quick first analysis (no repo clone required)
+--------------------------------------------------------
 
-   out = root / "normalized" / "daily_totals.csv"
-   daily.to_csv(out, index=False)
-   print("Wrote:", out)
-   print(daily)
+Once you have ``normalized/daily_totals.csv``, you can do a quick first pass with pandas.
+This snippet prints a few summary stats and writes a simple plot:
 
-Option B — Run the existing “My Own Data” explore scaffold
-----------------------------------------------------------
+.. code-block:: console
 
-PyStatsV1 includes a beginner-friendly scaffold script:
+   python - <<'PY'
+   import pandas as pd
+   import matplotlib.pyplot as plt
+   from pathlib import Path
 
-``scripts/my_data_01_explore.py``
+   csv_path = Path("byod/gnucash_demo/normalized/daily_totals.csv")
+   outdir = Path("outputs/gnucash_demo")
+   outdir.mkdir(parents=True, exist_ok=True)
 
-Run it against the daily totals CSV (either the prebuilt download, or the file you generated above):
+   df = pd.read_csv(csv_path, parse_dates=["date"])
+   df = df.sort_values("date")
 
-.. code-block:: console
+   print(df.describe(include="all"))
 
-   python scripts/my_data_01_explore.py --csv byod/gnucash_demo/normalized/daily_totals.csv --outdir outputs/gnucash_demo
+   ax = df.plot(x="date", y=["revenue_proxy", "expenses_proxy", "net_proxy"])
+   ax.figure.tight_layout()
+   ax.figure.savefig(outdir / "daily_totals.png")
+   print(f"Wrote: {outdir / 'daily_totals.png'}")
+   PY
 
-This will write a few simple outputs under ``outputs/gnucash_demo/`` (tables + quick plots).
+(If you *are* working from the repo source, you can also adapt ``scripts/my_data_01_explore.py`` to your needs.)
diff --git a/examples/trackd_byod_gnucash_demo/README.md b/examples/trackd_byod_gnucash_demo/README.md
index f8489f6..f80197e 100644
--- a/examples/trackd_byod_gnucash_demo/README.md
+++ b/examples/trackd_byod_gnucash_demo/README.md
@@ -6,7 +6,11 @@ This is a small runnable example project for the Track D BYOD pipeline using the
 ## Run
 
 ```bash
+# 1) Normalize the raw export into canonical Track D tables
 pystatsv1 trackd byod normalize --project .
+
+# 2) Produce an analysis-ready daily time series
+pystatsv1 trackd byod daily-totals --project .
 ```
 
 Outputs are written under `normalized/`.
diff --git a/pyproject.toml b/pyproject.toml
index ce754f1..41ca029 100644
--- a/pyproject.toml
+++ b/pyproject.toml
@@ -4,7 +4,7 @@ build-backend = "setuptools.build_meta"
 
 [project]
 name = "pystatsv1"
-version = "0.22.3"
+version = "0.22.4"
 description = "PyStatsV1: applied statistics labs in Python."
 readme = "README.md"
 requires-python = ">=3.10"
diff --git a/src/pystatsv1/cli.py b/src/pystatsv1/cli.py
index 36f93ac..c8fae69 100644
--- a/src/pystatsv1/cli.py
+++ b/src/pystatsv1/cli.py
@@ -473,6 +473,30 @@ def cmd_trackd_byod_normalize(args: argparse.Namespace) -> int:
     return 0
 
 
+def cmd_trackd_byod_daily_totals(args: argparse.Namespace) -> int:
+    from pystatsv1.trackd import TrackDDataError
+    from pystatsv1.trackd.byod import build_daily_totals
+
+    try:
+        report = build_daily_totals(args.project, out=args.out)
+    except TrackDDataError as e:
+        print(str(e))
+        return 1
+
+    print(
+        textwrap.dedent(
+            f"""\
+            Track D BYOD daily totals written.
+
+            Project: {report.get('project')}
+            Output: {report.get('out')}
+            Days: {report.get('days')}
+            """
+        ).rstrip()
+    )
+    return 0
+
+
 def build_parser() -> argparse.ArgumentParser:
     p = argparse.ArgumentParser(
         prog="pystatsv1",
@@ -609,6 +633,21 @@ def build_parser() -> argparse.ArgumentParser:
     )
     p_byod_norm.set_defaults(func=cmd_trackd_byod_normalize)
 
+    p_byod_daily = byod_sub.add_parser(
+        "daily-totals",
+        help="Compute daily revenue/expense proxies from normalized tables.",
+    )
+    p_byod_daily.add_argument(
+        "--project",
+        required=True,
+        help="Path to a BYOD project folder created by 'pystatsv1 trackd byod init'.",
+    )
+    p_byod_daily.add_argument(
+        "--out",
+        default=None,
+        help="Optional output CSV path (default: <project>/normalized/daily_totals.csv).",
+    )
+    p_byod_daily.set_defaults(func=cmd_trackd_byod_daily_totals)
 
     return p
 
diff --git a/src/pystatsv1/trackd/byod.py b/src/pystatsv1/trackd/byod.py
index e3ec91d..53d3c95 100644
--- a/src/pystatsv1/trackd/byod.py
+++ b/src/pystatsv1/trackd/byod.py
@@ -13,6 +13,8 @@
 from __future__ import annotations
 
 import csv
+from collections import defaultdict
+from decimal import Decimal, InvalidOperation
 import textwrap
 from pathlib import Path
 from typing import Any
@@ -331,3 +333,142 @@ def normalize_byod_project(project: PathLike, *, profile: str | None = None) ->
         validate_dataset(ctx.normalized_dir, profile=p)
 
     return report
+
+
+# --- Phase 3 helper: daily totals from normalized GL ---
+
+def _parse_decimal_money(value: str) -> Decimal:
+    """Parse a money-like string into a Decimal.
+
+    Notes
+    -----
+    - Accepts blanks and treats them as zero.
+    - Strips commas so values like "1,234.56" work.
+    """
+
+    raw = (value or "").strip()
+    if raw == "":
+        return Decimal("0")
+
+    cleaned = raw.replace(",", "")
+    try:
+        return Decimal(cleaned)
+    except InvalidOperation as exc:
+        raise TrackDDataError(f"Invalid money amount: {value!r}") from exc
+
+
+def _fmt_2dp(x: Decimal) -> str:
+    q = x.quantize(Decimal("0.01"))
+    return f"{q:.2f}"
+
+
+def build_daily_totals(project: PathLike, *, out: PathLike | None = None) -> dict[str, Any]:
+    """Compute daily revenue/expense proxies from normalized Track D tables.
+
+    This helper is designed for students using **pip-installed** PyStatsV1.
+    It turns:
+
+    - normalized/gl_journal.csv
+    - normalized/chart_of_accounts.csv
+
+    into a small analysis-ready table:
+
+    - date
+    - revenue_proxy   (net credits to Revenue accounts)
+    - expenses_proxy  (net debits to Expense accounts)
+    - net_proxy       (revenue_proxy - expenses_proxy)
+
+    Parameters
+    ----------
+    project:
+        BYOD project root (created by ``pystatsv1 trackd byod init``).
+    out:
+        Optional output CSV path. Default: ``<project>/normalized/daily_totals.csv``.
+
+    Returns
+    -------
+    dict
+        Report with keys: ok, project, out, days, rows.
+    """
+
+    root = Path(project).expanduser().resolve()
+    normalized = root / "normalized"
+    gl_path = normalized / "gl_journal.csv"
+    coa_path = normalized / "chart_of_accounts.csv"
+
+    if not gl_path.exists():
+        raise TrackDDataError(
+            f"Missing normalized/gl_journal.csv under: {root}\n"
+            "Run: pystatsv1 trackd byod normalize --project <project>"
+        )
+    if not coa_path.exists():
+        raise TrackDDataError(
+            f"Missing normalized/chart_of_accounts.csv under: {root}\n"
+            "Run: pystatsv1 trackd byod normalize --project <project>"
+        )
+
+    # Map account_id -> account_type
+    acct_type: dict[str, str] = {}
+    with coa_path.open("r", newline="", encoding="utf-8") as f:
+        reader = csv.DictReader(f)
+        for row in reader:
+            aid = (row.get("account_id") or "").strip()
+            at = (row.get("account_type") or "").strip()
+            if aid:
+                acct_type[aid] = at
+
+    rev_by_date: dict[str, Decimal] = defaultdict(lambda: Decimal("0"))
+    exp_by_date: dict[str, Decimal] = defaultdict(lambda: Decimal("0"))
+
+    with gl_path.open("r", newline="", encoding="utf-8") as f:
+        reader = csv.DictReader(f)
+        for row in reader:
+            date = (row.get("date") or "").strip()
+            if not date:
+                continue
+
+            aid = (row.get("account_id") or "").strip()
+            at = acct_type.get(aid, "")
+
+            debit = _parse_decimal_money(row.get("debit") or "")
+            credit = _parse_decimal_money(row.get("credit") or "")
+
+            if at == "Revenue":
+                # Revenue is credit-normal; net revenue is credits minus debits.
+                rev_by_date[date] += credit - debit
+            elif at == "Expense":
+                # Expenses are debit-normal; net expense is debits minus credits.
+                exp_by_date[date] += debit - credit
+
+    out_path = Path(out).expanduser().resolve() if out else (normalized / "daily_totals.csv")
+    out_path.parent.mkdir(parents=True, exist_ok=True)
+
+    dates = sorted(set(rev_by_date) | set(exp_by_date))
+
+    with out_path.open("w", newline="", encoding="utf-8") as f:
+        writer = csv.DictWriter(
+            f,
+            fieldnames=("date", "revenue_proxy", "expenses_proxy", "net_proxy"),
+        )
+        writer.writeheader()
+        rows = 0
+        for d in dates:
+            r = rev_by_date.get(d, Decimal("0"))
+            e = exp_by_date.get(d, Decimal("0"))
+            writer.writerow(
+                {
+                    "date": d,
+                    "revenue_proxy": _fmt_2dp(r),
+                    "expenses_proxy": _fmt_2dp(e),
+                    "net_proxy": _fmt_2dp(r - e),
+                }
+            )
+            rows += 1
+
+    return {
+        "ok": True,
+        "project": str(root),
+        "out": str(out_path),
+        "days": len(dates),
+        "rows": rows,
+    }
diff --git a/tests/test_trackd_byod_gnucash_demo_example_smoke.py b/tests/test_trackd_byod_gnucash_demo_example_smoke.py
index 5ae3d66..6beab37 100644
--- a/tests/test_trackd_byod_gnucash_demo_example_smoke.py
+++ b/tests/test_trackd_byod_gnucash_demo_example_smoke.py
@@ -49,3 +49,21 @@ def test_trackd_byod_gnucash_demo_example_smoke(tmp_path: Path) -> None:
     ids = {r["account_id"] for r in coa_rows}
     assert "Assets:Current Assets:Checking" in ids
     assert "Equity:Owner Capital" in ids
+
+    # Daily totals helper (analysis-ready)
+    rc2 = main(["trackd", "byod", "daily-totals", "--project", str(proj)])
+    assert rc2 == 0
+
+    daily_path = normalized / "daily_totals.csv"
+    assert daily_path.exists()
+
+    with daily_path.open("r", encoding="utf-8", newline="") as f:
+        reader = csv.DictReader(f)
+        assert reader.fieldnames is not None
+        for col in ("date", "revenue_proxy", "expenses_proxy", "net_proxy"):
+            assert col in reader.fieldnames
+        daily_rows = list(reader)
+
+    assert daily_rows
+    total_rev = sum(float(r["revenue_proxy"] or 0.0) for r in daily_rows)
+    assert total_rev > 0.0