📈 Personal Finance Dashboard
A modern, dark-themed personal finance dashboard for the Indian market. Track investments, daily expenses, cash accounts, money lent/borrowed, and subscriptions — all in one place, all stored locally.
Features
Investments
- Portfolio Dashboard — Total invested, current value, P&L, best/worst performers, risk alerts
- Investment Tracker — Full CRUD table with filters, add/edit/delete via modal
- Real-time Prices — Live price updates for stocks (Yahoo Finance), crypto (CoinGecko), and mutual funds (AMFI)
- Stock Comparison — Side-by-side radar chart comparison across key metrics
- AI Stock Analysis — Research drawer with AI-powered analysis per stock
- Interactive Charts — Portfolio allocation (pie), sector distribution (bar), P&L by asset (bar)
- Risk Indicators — Alerts for >20% loss, >50% gain, and >40% concentration
- Bond Payouts — Bonds pay interest monthly / quarterly / half-yearly / yearly / at maturity, with principal at maturity, in equal parts, or on custom dates you choose, plus TDS; each payout is credited to the linked bank account (automatically or on confirm) and tracked on its own page — due, upcoming 12 months, received history with undo
Expenses
- Daily Expense Tracker — Log expenses with category, account, and notes
- Split Bills — Split any expense across multiple people (equal, by %, by shares, or custom ₹)
- Who Paid — Track when someone else paid; auto-creates "you owe them" record in Money Tracker
- Multi-account Payment — Split a single expense across multiple accounts
- Category Breakdown — Monthly spend by category with "my share" vs total
Cash & Accounts
- Account Manager — Track balances across savings, FD, credit cards, wallets, PPF, EPF, NPS, etc.
- Auto Balance Updates — Expenses auto-deduct from linked accounts
- Transaction History — Full ledger per account
- Transfers — Move money between accounts with paired transaction entries
Money Tracker
- Lent / Borrowed — Track money given to or taken from people
- Net Balance per Person — One card per person combining all lent + borrowed records; net determines which column they appear in
- Split Linkage — Expense splits automatically create money records; editing/deleting syncs both
- Quick Add — Red + on a person's card adds a lent/borrowed record with their name pre-filled
- Compact Cards — Shows 5 records per person (open ones first) with a "Show all" toggle
Subscriptions
- Recurring Expenses — Track subscriptions, EMIs and insurance with next due date
- Billing Cycles — Fixed-day cycles (28 / 30 / 84-day prepaid plans) or same-date calendar billing (monthly, quarterly, half-yearly, yearly) that stays on the bill date
- Payment History — "Mark Paid" logs an expense and keeps a scrollable history per subscription; the latest payment can be undone
App
- Collapsible Sidebar — Icon-only rail by default; expand by click, on hover, or keep it always expanded
- Settings — Choose sidebar behaviour, theme, and bond auto-credit (saved per device)
Tech Stack
| Layer | Technology |
|---|
| Framework | Next.js 15 (App Router) |
| Language | TypeScript |
| Styling | TailwindCSS |
| Charts | Recharts |
| State | Zustand |
| Persistence | Server-side JSON file via API routes |
| UI Primitives | Radix UI |
| Icons | lucide-react |
Getting Started
# Install dependencies
npm install
# Start development server
npm run dev
Open http://localhost:3000 in your browser.
Pages
| Route | Description |
|---|
/ | Portfolio dashboard with charts and analytics |
/investments | Investment CRUD tracker with real-time prices and AI research |
/compare | Side-by-side stock comparison with radar chart |
/bond-payouts | Bond interest/principal payouts — due, upcoming, received |
/expenses | Daily expense tracker with bill splitting |
/cash-accounts | Cash & account manager with transaction history |
/money-tracker | Track money lent and borrowed, net per person |
/subscriptions | Recurring subscription tracker |
/settings | Sidebar, theme, and bond auto-credit preferences |
/india-sectors-report | India emerging sectors investment research report |
/invest-3-lakhs-plan | How to invest ₹3 lakhs guide |
Data Storage
All data is stored locally under data/ (gitignored — never committed), split across three files:
| File | Contents |
|---|
data/portfolio.json | investments, accounts, expenses, recurring, money_records, audit_log |
data/daily-tracker.json | habits, habit_logs |
data/daily-planner.json | items, planner_logs |
On first run each file falls back to its *.example.json sibling. To reset a domain, delete its private file and reload — the example seed will be recreated.
📘 For the exact JSON structure of every entity (Stock / ETF / Bond / Crypto / watchlist / sold investments, accounts, transfers, expenses with splits, money records, habits, planner items, and more), see docs/data-formats.md — one worked example per shape.
Risk Indicators
| Condition | Indicator |
|---|
| P&L < -20% | Row highlighted red |
| P&L > +50% | Row highlighted green |
| Single asset > 40% of portfolio | Amber concentration warning |
Disclaimer
This application is for personal tracking and educational purposes only. It is not financial advice. Always consult a SEBI-registered financial advisor before making investment decisions.
