About SimpleMoneyTracker

Your AI-Powered Personal Finance Companion

SimpleMoneyTracker is a modern personal finance app built to be fast, secure, and smart. Track expenses, budgets, debts, goals, and subscriptions with an AI assistant that talks to you like a real financial coach.

Our Story Our Vision Our Mission Technology The Builder Gemini Partner

Our Story

The journey behind SimpleMoneyTracker

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.

Engineering Philosophy

“I wanted to create a tool that is simple to use, genuinely respects privacy, and remains fairly priced — a financial management tool that does not become another financial burden.”

Do Xuan Bac

Founder & Full-Stack Engineer

Telecommunications & Data Systems

Our Vision

More than numbers: a colorful diary of life

The Growth Journey

How mindful money tracking transforms your life over time:

STEP 01

Tracks

Starts here

STEP 02

Gets insights

Data patterns

STEP 03

Reflects

Mindful pause

STEP 04

Understands Yourself

Emotional clarity

Loops back to Tracks (01)

You

Flows to Growth (05)

STEP 08

Better life

Loops to 01 Tracks

STEP 07

Heals

Overcomes stress

STEP 06

Changes

Intentional action

STEP 05

Grows

Begins upward surge

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.

Emotional Awareness with “My Mood”

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

Making personal finance clear, actionable, human, and accessible

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. Ultimately, we want your financial tracking to be fast for daily use, secure for your peace of mind, and smart for your future.

The Technology That Powers SimpleMoneyTracker

Reliable, modern, and cloud-native architecture

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.
Conversational Agent (Dialogflow CX) – orchestrates intents, playbooks, and context-aware conversations.
Vertex AI Search – vector and semantic search over a curated knowledge base of FAQs and documentation.

Security & Privacy

Zero-Knowledge Vault (ZK) – Your sensitive data is protected by a client-side encryption system using AES-256-GCM and PBKDF2 key derivation. Your master password never leaves your device, and all data is encrypted before being stored in Firestore. Even developers, server administrators, or hosting providers cannot read your personal information.
End-to-End Encryption for Groups & Chat – Group data uses RSA-OAEP hybrid key distribution with AES-256-GCM, while 1-on-1 messages use ECDH P-256 key exchange. Only intended recipients can decrypt shared content.
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.

Indie Craftsmanship

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.

Human + AI Collaboration

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.

Start Your Mindful Financial Journey Today

Experience fast transaction tracking, intelligent AI insights, and complete peace of mind with our Zero-Knowledge Vault.

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Built with loveand passion.