TakaTalks
Personal finance tools for a Bangladesh audience, built alongside the TakaTalks money
management video content. The idea: someone watches a video about tax rebates or FDR
returns, then immediately runs their own numbers in a tool that sits right next to it.
Everything here is early-stage. The tools/ folder has working, testable demos. The
prompts/ folder has the scoped build instructions for turning these into a real app,
written for handoff to Claude Code. The docs/ folder has the reasoning behind the
decisions, so context survives past any one chat.
Setting up / working on this
SETUP_ON_DEVICE.md — full step-by-step setup on a brand-new
Windows device, from installing Node and Docker through to the app running on
localhost:3000, plus a troubleshooting list. Start here if you're new to the repo.git_instructions.md — branching, commit-message rules, and
a one-time fix everyone needs to apply: main's history was rewritten on
16 Sep 2026, so git pull alone will misbehave until you follow section 1.web/README.md — shorter, Mac/Linux-flavoured version of the same setup.
Guiding principle
Ask for less, not more. No signup to try a calculator. Calculate on-device by default.
Only ask for an account at the one moment persistence is actually needed (e.g. a maturity
reminder), and say exactly why at that moment. See docs/feature-spec-tax-calculator.md
for the full reasoning.
What's in tools/
tools/tax-calculator/
Three versions, kept in order to show how the tool evolved. Use v3 as the reference
version, v1 and v2 are earlier iterations kept for history.
v1-simple-slab-calculator.html — first pass, income + slab tax only.v2-full-return-calculator.html — added all income heads (salary, business, house
property, capital gains), investment rebate, net wealth surcharge, minimum tax.v3-trust-first-estimator.html — same logic as v2, rebuilt with the no-signup /
client-side-only / opt-in-wealth-fields principles applied. This is the current base
for Prompt 1.
All three are self-contained HTML files, open directly in a browser, no build step, no
server, no dependencies beyond a Google Fonts CDN link.
tools/fdr-comparison/
fdr-dps-comparison.html — compares published FDR rates across a handful of banks,
computes after-tax return based on a selected tax bracket, sorted by net return. Uses a
manually curated sample dataset (dated 31 Dec 2025, sourced from a public rate
roundup), not a live feed. See Prompt 2 for what turns this into a live, maintained
version.
What's in web/
The real app, scaffolded from Prompt 1 and grown well past it since: Next.js +
TypeScript + Tailwind + Prisma/Postgres, with code for every phase in the roadmap table
below (tax calculator, tracker, rate scorecard, bank-health disclosures, goal planner,
salary comparator, instrument yield matrix, and the Phase 5 reinvestment suggestions).
Not all of it is live in production: the roadmap's Status column says which parts are.
Deployed on Vercel. See web/README.md for setup, deployment, and the current route/module
list — this file's roadmap table is the status summary, web/README.md is where the
route-by-route detail lives, so it isn't duplicated in both places. The tools/ HTML demos
above remain as the reference logic and design history; web/ is where ongoing development
happens.
What's in prompts/
Scoped instructions for Claude Code, written so each one is a shippable chunk rather than
the whole vision at once.
01-tax-calculator-and-tracker.md — Phase 1-2. Turns v3-trust-first-estimator.html
into a real app with a rebate optimizer and a multi-source income/investment tracker.02-rate-monitoring-and-scorecard.md — Phase 3. Turns the static FDR comparison into
a daily-monitored live pipeline, plus a bank comparison scorecard that shows sourced data
without issuing a "best bank" verdict.03-annual-report-extraction.md — Phase 3, slower cadence. Pulls audited figures
(CAR, NPL, ROA) out of banks' annual report PDFs, on a monthly batch job, with a manual
admin-approval step before anything reaches users.
Hand these to Claude Code in order. Each one assumes the previous module exists.
What's in docs/
feature-spec-tax-calculator.md — the trust-first principles applied to the
calculator: zero signup, client-side only, opt-in wealth fields, estimate framing.product-notes.md — the fuller planning history: why the original all-in-one vision
got split into phases, the advice-vs-math line (rebate math is safe to automate, "which
bank/instrument is better" is advice and stays out of scope), the banking-sector context
that shaped the scorecard design, and a running list of feature ideas not yet scheduled.
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