Outpace

• Mint, YNAB and Money Manager are built for Western banking. They do not understand Indian credit-card billing cycles, bank SMS formats, password-protected statements, lakh amounts, UPI, GST or Tally.
• Most Indian apps track expenses rather than plan debt repayment.
• Indian banks offer no open API that individuals can use.

A Next.js 15 progressive web app with a five-tab dashboard, 30 API routes and a SaaS admin console, deployed on AWS through Terraform and GitHub Actions.

Dashboard, loans and cards

• KPI grid with savings rate, debt-to-income ratio and outstanding debt; net worth across assets and liabilities; monthly budget goals and snapshots.
• Debt vault: each card and loan shows its billing-cycle badge and due count. Payments are recorded in an append-only ledger with the balance before and after each one.
• Due-date calendar with mark-as-paid.
• Payoff simulator: avalanche versus snowball, an extra-payment slider and one-time windfall injection. It shows the debt-free date, interest saved and months saved.

Getting data in without bank APIs

• Bank SMS parsing: paste or forward an SMS and the amount, merchant and masked account are extracted and card balances update.
• A Telegram bot for forwarded SMS, and a personal email address that parses forwarded card statements for total due, minimum due and due date.
• CSV statement import that detects the bank and columns, with a review step before anything is applied. Profiles for 15+ Indian banks.
• Indian merchant categorisation (Swiggy, Zomato, Blinkit, IRCTC, BESCOM, LIC and others) with your own rules, and a subscription detector that predicts the next renewal.

India-specific tools

• Hinglish voice entry: say "paanch hazar ka bill" and it is logged, using the browser's hi-IN speech recognition and a custom parser for lakh, hazar and k amounts.
• UPI intent links and WhatsApp payment requests, with no payment gateway.
• GST Rule 37 watchdog: tracks unpaid supplier bills against the 180-day input-tax-credit reversal deadline and reconciles against GSTR-2B JSON.
• Tally Prime XML export for accountants, and cash-drawer (galla) reconciliation by denomination.

Platform

• Installable PWA with a service worker and an IndexedDB offline cache.
• Tenant-isolated accounts, onboarding, JSON backup and restore, and subscription tiers.
• Admin console with tenant directory, system telemetry, an inbound-webhook stream, a parser test sandbox and bank-profile management.

• Low running cost by design: an ARM Graviton t4g.micro instance, Caddy for free automatic TLS, browser speech recognition instead of paid speech-to-text, UPI intent links instead of a payment gateway, and Telegram and email webhooks instead of paid SMS APIs.
• Secure delivery: deploys run through AWS Systems Manager rather than SSH. The container runs as non-root, ECR images are scanned, EBS and S3 are encrypted with public access blocked, and Terraform state is remote and encrypted.
• Sessions: salted PBKDF2-SHA512 password hashes, 32-byte random session tokens and httpOnly SameSite cookies.
• Indian finance edge cases, researched and written up: fuel-surcharge reversal, the minimum-amount-due trap, card-to-EMI conversion with 18% GST on interest, refunds that land after the statement date, salary sweep-to-FD treated as a transfer, and interest-free family loans.

• App Next.js 15 (App Router), React 19, TypeScript, Tailwind CSS, Recharts
• Data PostgreSQL 16 (pg), Dexie (IndexedDB)
• Browser APIs Web Speech API (hi-IN), Service Worker, UPI intent links
• Integrations Telegram Bot webhook, inbound email webhook, Tally Prime XML
• Infrastructure AWS ap-south-2: EC2 Graviton, VPC, ECR, S3, IAM, SSM; Terraform; Docker; Caddy
• CI/CD GitHub Actions: type-check CI, ARM64 buildx, push to ECR, deploy over SSM