Most people manage their finances with spreadsheets, notes or in their heads. Off-the-shelf programs are either too complex, too expensive, or don’t fit the reality of the individual and the freelancer.
So I designed Finance Tracker - a tool that didn’t exist in this form, built from scratch.
The challenge
I wanted a tool covering the entire financial picture of a household or a freelancer: accounts, transactions, obligations, forecasts and reports. And simple enough to use daily, without accounting knowledge.
At the same time, I wanted the data structure organized in a way that allows AI analysis in the future - not just another static spreadsheet.
The solution
I built a PWA (web app that also installs as an app) with full financial management:
- Multiple accounts with real-time balances.
- Obligations list - receivables and payments, with recurring bills and alerts.
- Cash flow with forecast of future balance based on recurring transactions.
- Budget and savings goals.
- Quicken-style reports and data import from QIF and CSV.
- Full data isolation per user, with backup and restore.
What role AI plays here
The key is the structure. Because every transaction is properly categorized, with payees, splits and dates, the data is ready to feed AI analysis: spotting patterns in spending, forecasts, smart saving suggestions.
I’m not building a tool where AI gets forced in later. I’m building the foundation properly, so that when AI features are added, they rest on clean, structured data.
Why it matters
Finance Tracker shows my approach: I design tools with the future in mind. The right architecture today means the product can evolve tomorrow without being rebuilt from scratch.
If you need a custom tool or app designed to stand the test of time and leverage AI, let’s talk.