Spend Crafter - AI Personal Finance App | Flutter + NestJS Full-Stack

Spend Crafter - AI-Powered Personal Finance App

A complete, production-ready personal finance platform built with Flutter, NestJS, React, and Laravel Filament. Privacy-first budgeting and expense tracking with AI-powered financial insights, 45 built-in calculators, and full subscription monetization — no bank connection required.

🚀 Key Features

💸 Expense & Income Tracking

• Log income, expenses, and transfers with categories

• Recurring transactions — daily, weekly, monthly, yearly

• Multi-account support — cash, savings, checking, investment, credit card

• Search and filter by date, category, type, and account

• CSV/PDF export (Pro tier)

📊 Budget Management

• Create budgets with category allocations

• Budget periods — weekly, monthly, yearly

• Real-time spending analytics and progress tracking

• Over-budget alerts and visual progress bars

🎯 Savings Goals

• Create goals with target amounts and deadlines

• Track contributions and completion percentage

• AI-powered goal predictions (Pro tier)

• Milestone notifications

🤖 AI Financial Advisor

• Chat-based advisor powered by OpenRouter LLM (GPT-4o-mini)

• Spending pattern analysis and anomaly detection

• Personalized budget suggestions and savings opportunities

• Conversation history and context preservation

🧮 45 Built-in Financial Calculators

• Savings & Investment (10) — Compound Interest, ROI, Net Worth, Rent vs Buy, Portfolio Tracker & more

• Budgeting (8) — Budget Planner, Salary Calculator, Expense Analyzer, Income Allocation & more

• Loans & Debt (9) — Mortgage, Car Loan, EMI, Debt Payoff Planner, Break Even & more

• Taxes (5) — Tax Estimator, Capital Gains, Sales Tax, Income Tax Bracket, Mileage Log

• Shopping & Bills (8) — Bill Tracker, Subscription Manager, Tip Splitter, Vacation Budget & more

• Banking (5+) — Currency Converter, Interest Rate Comparison, Loan Origination & more

🔐 Authentication & Security

• Email/password with OTP verification

• Google Sign-In & Apple Sign-In

• JWT access + refresh tokens, bcrypt hashing, rate limiting

• Role-based access control (RBAC)

⚙️ More Features

• Multi-Account Management — per-account balance tracking and transfers

• 8-Step Onboarding — currency selection, budget setup, subscription offer

• Push Notifications — bill reminders, goal milestones, budget alerts via FCM

• Multi-Language — 7 active languages (EN, ES, FR, DE, PT, IT, JA) + 6 pre-configured

• 9+ Currencies supported with currency converter

• Offline Mode — Hive + SQLite local storage with auto-sync

• Admin Panel — Laravel + Filament for user and subscription management

• Privacy-First — no bank connection required, users control their data

🛠️ Tech Stack

📱 Mobile App (Flutter)

• Flutter 3.x / Dart 3.0+ — iOS + Android, 30+ screens

• State management: Riverpod · HTTP: Dio + Retrofit

• Navigation: go_router · Charts: fl_chart

• Local storage: Hive + SQLite · Secure storage: FlutterSecureStorage

• Payments: in_app_purchase (StoreKit 2 + Google Play Billing)

• Auth: Google Sign-In, Apple Sign-In · Notifications: Firebase FCM

• i18n: flutter_localizations (7 languages, expandable to 13)

⚙️ Backend (NestJS — Primary)

• NestJS 11 (TypeScript) — 18 modules, RESTful API

• Database: PostgreSQL · Cache & rate limiting: Redis

• AI: OpenRouter (GPT-4o-mini) · Payments: Stripe + IAP + Google Play

• Storage: Cloudflare R2 · Email: AWS SES · Notifications: Firebase Admin

• Swagger/OpenAPI auto-generated docs

🌐 Frontend & Admin

• React 19 + Vite 6 + Tailwind CSS landing page (with Privacy, Terms, GDPR pages)

• Laravel 11 + Filament 3 admin panel (alternative backend option)

• 4 GitHub Actions CI/CD workflows

💳 Subscription Plans

• Free — 10 calculators, 1 budget, 30 transactions/month, 3 AI queries/day

• Pro Monthly — $4.99/mo — All 45 calculators, unlimited budgets & transactions, full AI

• Pro Yearly — $29.99/yr — Same as monthly + AI predictions & family sharing (5 members)

• 7-day free trial · Stripe + Apple IAP + Google Play Billing · Trial abuse prevention

📦 What's Included

• 📱 Full Flutter source code — 30+ screens (iOS + Android)

• ⚙️ NestJS backend API — 18 modules, DB migrations, Swagger docs

• 🌐 React 19 landing page with Privacy, Terms, Cookie & GDPR pages

• 🛠️ Laravel 11 + Filament 3 admin panel (alternative backend)

• 🔄 4 GitHub Actions CI/CD workflows

• 📧 HTML email templates (verification, password reset, etc.)

• 📋 Environment config templates (.env.sample)

• 📖 Auto-generated Swagger API documentation

• 🔄 30 days email support after purchase

✅ Requirements

• Flutter 3.0+ / Dart 3.0+

• Android API 21+ · iOS 14+ / Xcode 14+

• Node.js 18+ · PostgreSQL 14+ · Redis 6+

• PHP 8.2+ (for Laravel admin panel) · OpenRouter API key

💰 Privacy-first. No bank connection required.  |  🧮 45 Calculators · 18 API modules · 7 Languages  |  🌐 Demo: spendcrafter.infoinlet.com