Finance SaaS Β· Cloudflare
Your money, clearly.
No spreadsheets. No guesswork.
Finance SaaS helps you track bank, cash, card, wallet and savings accounts in one place, set budgets, see where your money goes, and get plain-language answers from an AI assistant that points to the exact transaction behind its answer.
Create a free account Log in Go to my dashboard
Test build on fs.zameelabd.com Β· Email verification is manual in this test β sign up, then ask the owner to verify your account.
Preview Β· Total balance
$12,480
β² $420 this month
Preview Β· Income
$3,200
Preview Β· Expenses
$2,150
About this app
Built for everyday money management, like Money Manager EX, but as a modern web app.
Accounts & transactions
Income, expenses and transfers across bank, cash, card, wallet and savings accounts, with search, filters and CSV import/export.
Budgets that warn you
Monthly budgets by category, with approaching and over-budget alerts before you overspend.
Reports that explain
Cash flow, spending by category with drill-down, monthly trends and net worth over time.
Bills & recurring items
Scheduled bills with low-balance warnings, so a bill never catches you by surprise.
Reconciliation
Mark transactions cleared and check your app balance against your real bank balance.
AI assistant, read-only
Ask anything about your own finances. It finds funds, explains problems, and shows its sources. It never moves money on its own.
Notifications
In-app alerts for budget overruns and upcoming bills. Email sending is not wired in this test build.
Security & privacy
Hashed passwords, session tokens, optional 2FA, email verification, and each user's data kept completely separate.
Cloudflare only
Frontend, Worker API and D1 database all run on Cloudflare. No bank sync, investments, mobile app or team sharing in v1.
How it works
- Create an account on the Sign up page.
- Log in on the Log in page after your account is verified.
- Go to Dashboard, add your first account, then add transactions, budgets and bills.
- Ask the AI when you want to find something or understand a problem in your data.
Simple pricing, no lock-in
Start free. Your data is yours β export it any time, in full, and it still works after you cancel. No ads, we never sell your data.
Free
$0
All core finance: accounts, transactions, categories with icons, budgets, reports, notes & calendar, full export.
Plus β proposed
$59 / year
Forecast calendar and safe-to-spend, household sharing, and priority support. Price to be confirmed before launch.
Lifetime β proposed
$149 once
Pay once, keep Plus for life. A lifetime option because a finance app you use a few times a month should not need a monthly fee forever.
Why you would buy it: it is private by design (no bank login required), it works with fast manual entry and CSV import, it tells you safe-to-spend before payday, and you can leave with all your history at any time.
Welcome back
Sign in to see your accounts, budgets and AI insights.
After you log in, you will be taken to your dashboard. Log out is in the sidebar on every app page.
Verification and reset emails are queued only in this build and are NOT sent. In testing, an admin can verify an account from the Admin tab.
Overview
Here is the summary of your overall data β what you have, what came in, what went out, and what needs attention.
Safe to spend
β
Safe-to-spend = total balance minus all bill occurrences due in the next 30 days, including repeats (for example a weekly bill counts once per week in the window) and overdue bills. It is not simply the sum of the Upcoming bills list, which shows one row per recurring bill.
Estimated β this figure is based on the bills saved on this device and may be incomplete.
Totals are shown in your main currency and are not converted β amounts in other currencies are added as-is.
+ Add a notebolt Quick transaction
For notes or split transactions, use the full form.
bar_chart Balance overview Last 7 months Β· green = income, orange = expenses
account_balance_wallet My Wallet + Add new
Your accounts grouped by currency β real balances, no demo figures.
All accounts
pie_chart Cost analysis
Spending by category, this month and recent months.
health_and_safety Financial health
savings Monthly spending limit
receipt_long Recent transactions View all
warning Needs attention
Budget alerts, problems, notifications and upcoming bills β all in one place, so you only check one box.
Budget alerts
Upcoming bills (next 30 days)
Problems detected
Notifications (unread)
Accounts
Bank, cash, card, wallet and savings accounts β add one, then change its currency or delete it.
add_circle Add account
account_balance_wallet All accounts
Transactions
Income, expenses and transfers in one clean list. Add one below, then search or filter it.
add_circle Add transaction
search Search & filters
receipt_long All transactions
Newest firstimport_export Import & export
Download your transactions as CSV, or import a CSV file.
attach_file Attach a receipt
PNG, JPG or PDF, under 500 KB. One receipt per transaction.
restore Deleted transactions
These can be restored.
Categories
Give every transaction a category and an icon, so reports and budgets read at a glance.
add_circle Add category
category All categories
Budgets
Set a monthly limit per category, then copy or roll over last month instead of starting again.
add_circle Save budget
date_range Month tools
account_balance_wallet Budget status
Totals are shown in your main currency and are not converted β amounts in other currencies are added as-is.
Reports
Pick a period, load it, and see income, spending, budgets, trends and net worth at a glance.
date_range Period
Totals are shown in your main currency and are not converted β amounts in other currencies are added as-is.
pie_chart Spending / income by category
Click a category to drill down to its transactions.
account_balance_wallet Budget vs. actual
For the report month.
trending_up Monthly trends
Last 12 months.
savings Net worth over time
Change vs. the previous month.
Recurring transactions & scheduled bills
Bills and regular income, with upcoming due dates in one place.
add_circle Add recurring item
warning Overdue bills
Bills whose due date has passed. Advance an overdue bill from All recurring items below β Advance moves its next due date forward by one step and does not post a transaction unless you tick Post transaction there.
event Upcoming bills
repeat All recurring items
Advance moves the next due date forward by one step. It does not post a transaction unless you tick Post transaction for that item. Advance needs a connection β it is never queued offline.
Reconciliation
Check your app balance against your real bank balance, using cleared transactions.
fact_check Check balance
Mark transactions cleared in the Transactions tab (checkbox). Cleared vs app balance for the selected account is shown below.
list_alt Selected account
AI Chat
Read-only: it answers from your own accounts and shows the exact records behind each answer. It never moves money on its own.
smart_toy Ask about your money
chat Answer
Sources behind this answer
Problems found in your data
history Recent AI chats
Settings > AI
Choose a provider. Keys are never typed here as raw values: set a real secret on the server, then save only its reference label here (for example workers-secret:MY_AI_KEY).
smart_toy My AI settings
admin_panel_settings Owner shared/default key (admins only, Phase 4)
science Test configuration
Notifications
Budget overruns, upcoming bills and problems β refreshed from your own data.
notifications Notifications
mail Email queue β STUB, NOT SENT
These rows are queued only. This app has no email provider yet, so nothing here has been emailed.
Savings goals
A target, a deadline, and a progress bar. Add money to a goal as you save β this tracks progress, it does not move money between accounts.
add_circle Add goal
savings All goals
Notes & Calendar
Write a note for any day. Click a day in the calendar to see and add notes for that day. Notes are yours alone, saved with your account.
calendar_month Calendar
edit_note Add a note
today Notes for the selected day
notes All my notes
Onboarding
Short setup: main currency, first account, starter categories, optional demo data.
rocket_launch Finish setup
Later phases
What was built in Phases 3 and 4, and what is still future work.
- Phase 3: AI assistant, pluggable providers, notifications β built
- Phase 4: Owner admin, email verification, 2FA, plans/billing β built. Billing is a plan field only; real Stripe charging is still a future integration.
Owner admin (admins only)
Search users, check a full account in read-only view mode, and manage plans.
group Users
visibility View as user (read-only)
This shows that user's accounts, balances and recent transactions so you can check a test account without their password. It cannot edit, delete, or act as them, and it never shows a password.
dashboard Admin overview
My account
Profile, currency, security, export, branding and plans β all in one place.
person Profile
currency_exchange Currency
This is the currency shown for totals, the dashboard, budgets and reports. Changing it changes the symbol everywhere β it does not convert amounts (no exchange rates are applied).
security Two-factor authentication (2FA)
download Full data export
delete_forever Delete my account
Warning: this purges your financial data and revokes all sessions. It cannot be undone. Export first if you want a copy.
key Per-user AI key (encrypted storage)
Encrypted per-user storage only works when AI_USER_KEY_ENCRYPTION_KEY is set as a Workers secret; otherwise it refuses and no raw key is stored.
palette Your logo & app colours
Upload your own logo and pick your app colour. This is saved on this device and applied to the sidebar, buttons and top bar everywhere on this site.
workspace_premium Plans
Plans are a field only in this build (free / paid, set by an admin). No Stripe charge is made here.