SpendKeep

🛑 Stop giving apps your bank passwords. I'm building a privacy-first AI finance tracker instead. Let’s be honest: automated bank sync is broken. You connect via Plaid, it breaks three days later, and your transaction data sits in a massive database waiting to be breached. I got tired of this, so I started building SpendKeep — a personal finance tracker designed for "Financial Sovereignty". It gives you the magic of automated categorization without requiring your bank credentials. (Note: This is still a work in progress!) 🛠️ How it works Instead of fragile bank APIs, SpendKeep ingests what you already have: Bank SMS alerts and forwarded emails. The Brain: I hooked it up to Groq's API (Llama-3.3-70b-versatile). It instantly parses raw SMS/email text, extracts the merchant, date, and amount, and maps it to categories. The Stack: Next.js web app, React Native (Expo), and Supabase. 🧠 The UX: "Behavioral Nudges" Most budget apps throw a massive grid of 500 unmapped transactions at you. That's a huge cognitive load. I wanted to design a mindful ritual, not a chore. We built a Psychological Nudge Framework into the frontend: 90-Second Onboarding: A 5-minute "Timebox Sprint" shows you only 3 transactions at a time with "Predictive Defaults". Just hit 'Enter' to approve. High dopamine, low friction. The Sovereignty Streak: Instead of a generic "days logged in" counter, we track "Weeks of Total Clarity". The UI tracker fills with gold and bursts into flames when you hit a 7-day streak. 🤝 I need your feedback! I'm polishing the Phase 2.1 UI and tweaking the AI parsing. I'd love for founders, devs, and designers here to try it out. What I'm looking for: AI Parsing: Throw your weirdest SMS bank alerts at it. Does Llama-3 categorize it right? The "Vibe Check": How does the Sovereignty Streak feel? Does the onboarding hook you? General UX: Tear apart my Next.js & Tailwind implementation. Let me know what you think below! 👇 #buildinpublic #nextjs #ai #privacyfirst #personalfinance

SpendKeep is a privacy-first expense tracker that enables users to categorize their spending without linking their bank accounts. Users can forward bank alerts, upload CSV files, or drop screenshots, and the platform's AI Accountant categorizes all spending locally. This ensures that no sensitive data is transmitted or sold, allowing for secure and private financial management. Users simply forward their bank SMS or email receipts to a unique spending endpoint. SpendKeep's AI software extracts the transaction amounts and categorizes them without the data leaving the user's device. Insights are provided through a dashboard that displays breakdowns of spending into categories such as Needs, Wants, and Cash Flow. SpendKeep is designed for privacy-conscious individuals who seek to manage their personal finances without sacrificing security. It targets users who are tired of tedious manual entry and want a simple way to understand their spending habits while maintaining full control of their financial data.