SimpleMoneyTracker is a modern, privacy-aware personal finance app that helps you track expenses, budgets, debts, goals, subscriptions, and more – with an AI assistant that talks to you like a real financial coach.
Our Story
SimpleMoneyTracker did not start in a meeting room or as a corporate project. It grew out of a very real problem: managing dozens of expenses, debts, savings goals, and subscriptions across spreadsheets, notes, and scattered apps – while still trying to understand the bigger picture of personal finances.
I'm Do Xuan Bac, a telecommunications engineer and data analyst who enjoys thinking in systems and logic. For years I built small tools in Python and SQL to help myself – but none of the existing finance apps felt flexible enough, and very few of them truly explained why my money behaved the way it did.
So I decided to build SimpleMoneyTracker from scratch as a full-stack SaaS: a place where you can see all your numbers clearly, explore them through charts and dashboards, and even chat with an AI financial assistant that understands the context of your data.
We believe financial tracking shouldn't just be about numbers. It should be a reflection of your life. That's why our vision is to help you turn your year into a colorful diary of your life.
With our "My Mood" feature, every transaction becomes more than just a data point—it becomes a memory tied to an emotion. Did you spend money because you were happy, sad, or celebrating? By looking back, you don't just see where your money went; you see the emotional journey you've taken. This deeper insight is the key to true self-understanding and lasting change.
Our Mission
Money should be understandable. You shouldn't need to be an accountant to know where your cash is going, whether you are on track with your goals, or how your subscriptions and debts affect your monthly balance.
The mission of SimpleMoneyTracker is to make personal finance:
Clear – turning raw transactions into clean views, charts, and summaries.
Actionable – giving you insights and suggestions you can actually apply.
Human – using natural-language chat and AI guidance instead of only dashboards and numbers.
Accessible – available as a simple web app with a gentle learning curve.
SimpleMoneyTracker is built to be your long-term companion: a tool that grows with you, keeps your history, and helps you make better decisions step by step.
The Technology That Powers SimpleMoneyTracker
Behind the clean interface, SimpleMoneyTracker runs on a modern, cloud-native tech stack designed for reliability, performance, and continuous improvement. Every choice was made to balance speed, safety, and flexibility.
Frontend Experience
* Next.js (App Router) – fast, SEO-friendly, and optimized for modern web applications.
* TypeScript – type-safe codebase for more reliable and maintainable features.
* Tailwind CSS & ShadCN UI – consistent, modern design with reusable components.
* React Hook Form & Zod – robust form handling and validation for precise financial input.
* Recharts – dynamic charts for spending trends, budgets, debts, goals, and investments.
* Papaparse – reliable CSV parsing for importing and processing financial data.
Backend & Cloud
* Firebase Authentication – secure sign-in with email and providers like Google.
* Firestore – scalable NoSQL database for real-time finance data.
* Firebase Storage – safe storage for documents, receipts, and attachments.
* Cloud Functions v2 – serverless backend logic for automation and integrations.
* App Check & Cloud Messaging – protection against abuse and real-time notifications.
AI & Conversation Layer
* Google AI & Genkit – generative models that power the AI Financial Coach and natural-language insights.
* Vertex AI Search – vector and semantic search over a curated knowledge base of FAQs and documentation.
Security & Privacy
* Two-Factor Authentication (2FA) – Add an extra layer of security to protect your account from unauthorized access.
* Google reCAPTCHA Enterprise – Protects the application from fraudulent activity, spam, and abuse.
* DMCA Protection – Our original content and intellectual property are officially protected to prevent unauthorized use.
* Your privacy and security are our top priorities. We never sell your data.
Built by a Single Developer – For People Who Care About Their Money
SimpleMoneyTracker is not a generic, venture-driven product. It is a carefully crafted tool built by one developer who cares deeply about logic, clarity, and real-world usability. Every feature – from the expense table to the AI chatbot – exists because it solved a real problem first.
If you decide to use SimpleMoneyTracker, you are not just using another finance app – you're supporting an independent builder and helping shape the next iterations of a tool designed to genuinely make your financial life easier.
My AI Companion: Gemini
This project was not built entirely alone. A significant part of the code, architecture, and problem-solving was accomplished in collaboration with Gemini, a large language model from Google. As an AI coding partner, Gemini assisted with generating boilerplate code, debugging complex issues, suggesting optimizations, and implementing new features from high-level ideas. This blend of human creativity and AI assistance is at the very core of how SimpleMoneyTracker was developed.
