Problem
Most finance apps are heavy when the immediate job is simple: know what is due, what is paid, what changed, and whether the month still has breathing room.
Personal finance · local-first + AI review
My Money
A local-first budget and bill tracker that answers weekly money questions fast, with an optional AI reviewer for plain-English spending explanations and safer planning scenarios.
Open interactive demoBack to projectsWhat I built
A lightweight planning dashboard for bills, income, category targets, and exportable monthly snapshots without requiring bank-login dependency.
Why it is technically interesting
The product is about trustworthy state: paid toggles, recalculated room, scenario deltas, and export previews must stay internally consistent.
Reliability choices
The math is transparent, local state is easy to reset/export, and AI is positioned as explanation—not a black-box financial advisor.
Feature depth
- 12-bill paid/unpaid workflow with live totals.
- Income and category budget editor.
- What-if scenario modeling for overtime, repairs, and savings changes.
- Local export preview for household records.
- AI review concept for spending explanations and anomaly notes.
AI incorporated
An AI money reviewer can explain trends, flag unusual changes, and generate what-if summaries while keeping account connections optional and demo data clearly fictional.
This is framed as a responsible assistant layer: it explains its reasoning, keeps the human in control, and avoids pretending mock data is real production data.
Functional architecture
The project is intentionally designed around clear state, inspectable data flow, and safe upgrade paths instead of a thin screenshot-only demo.
StateBills, income, budgets, and scenario deltas live in clear client-side objects.
CalculateDerived values update from transparent formulas instead of hidden scores.
ExplainAI reviewer translates changes into plain-English notes and warnings.
ExportUser can keep a local record without exposing private bank credentials.
Next production milestones
MVPBill list, budget editor, scenario buttons, JSON export.
AI layerSpending review summaries, anomaly flags, and next-paycheck suggestions.
ProductionEncrypted storage, optional sync, recurring bill rules, and test coverage.
12bills modeled
$transparent formulas
AIreview assistant
Localfirst data control