PennyWise

Overview

PennyWise is a personal daily finance tracker I built solo, end to end. Users log income (with Malaysian statutory deductions like EPF, SOCSO, and EIS worked out automatically), set recurring bills, record daily expenses, and keep tabs on debts, investments, and an emergency fund. A running daily balance ties it together and carries overspend forward day to day. A built-in AI assistant lets users log entries and ask questions in plain language, and it confirms each change before writing anything.

Contribution summary

• Built the full stack solo: a Next.js App Router frontend, a Supabase Postgres backend, and Server Actions behind every mutation.
• Designed the schema with row-level security so each user can only ever touch their own rows.
• Implemented daily budgeting with carry-forward overspend logic and the EPF/SOCSO/EIS statutory deduction math.
• Built a Google Gemini AI assistant with a propose-then-confirm flow: it drafts the entry, the user approves, then a server action writes it.
• Hardened auth and security with Cloudflare Turnstile, optional TOTP MFA, Upstash rate limiting, and a strict Content-Security-Policy.