ThriftMeld – AI Subscription Tracker & Optimizer

ThriftMeld – AI Subscription Tracker & Optimizer

Stop paying for subscriptions you forgot about. ThriftMeld is a production-ready, full-stack AI-powered subscription management app that tracks every recurring payment, reminds you before renewals, and uses AI to find savings — all from your phone. Ships with a Flutter mobile app, NestJS backend API, and a React landing page, complete with IAP billing, gamification, and multi-language support.

✨ Key Features

📋 Subscription Tracking

• Centralized management of every recurring subscription in one place

• Add, edit, and delete with custom billing cycles: weekly, monthly, quarterly, yearly

• 20 built-in categories (Streaming, Music, Productivity, Fitness, Cloud Storage, and more) plus unlimited custom categories

• Custom tags, notes, and icons per subscription

• Full subscription history and audit trail

• Full-text search across all subscriptions

🔔 Smart Renewal Alerts

• Timely push notifications before each billing cycle

• Configurable reminder lead time: 1 day, 3 days, 1 week, etc.

• Email reminders via AWS SES

• Per-subscription reminder preferences

• Notification history and read status tracking

🤖 AI-Powered Optimizer

• GPT-4o-mini powered analysis via OpenRouter

• Automatic detection of rarely-used subscriptions

• Personalized savings recommendations based on your spending pattern

• Multi-turn AI chat advisor for financial guidance

• Context-aware insights generated from real user data

• Regenerate insights on demand

🔄 Alternative Service Suggestions

• Built-in database of 30+ seeded services with real pricing

• Automatic cheaper-alternative matching for each subscription

• Side-by-side price comparison with savings estimate

• One-tap switch flow

📊 Spending Analytics

• Visual spending charts (line, bar, pie) powered by FL Chart

• Category breakdowns with percentage splits

• 12-month rolling history with monthly and yearly comparisons

• Average monthly spend, highest category, upcoming renewals at a glance

💰 Budget Tracking

• Set monthly and yearly budget caps

• Category-level budget limits

• Alert thresholds at 50%, 75%, 90%, and 100%

• Overspend warnings and real-time usage tracking

📤 Data Export

• CSV export for spreadsheet analysis

• PDF report generation with charts and summaries

• Per-period or full-history exports

• Email-ready formatted reports

🏆 Gamification

• Unlockable achievements across multiple categories

• XP-based progression and leveling system

• Login streaks (current + longest)

• Global leaderboard (top users)

• Points awarded for adding subscriptions, completing profile, maintaining budgets, and daily logins

🔐 Authentication & Security

• Email/password with 6-digit OTP verification

• Google OAuth and Apple Sign-In (iOS)

• JWT access tokens with refresh token rotation

• Encrypted on-device token storage via Flutter Secure Storage

• bcrypt password hashing, Helmet.js security headers, rate limiting

🌍 Notifications & i18n

• Firebase Cloud Messaging push notifications for iOS and Android

• Notification types: renewal due, budget exceeded, AI insight ready, achievement unlocked, weekly summary

• Per-type toggle in notification preferences, multi-device support

• 7 languages: English, Spanish, French, German, Italian, Japanese, Portuguese

• Runtime language switching with persisted preference

⚙️ Tech Stack

• Mobile: Flutter 3.2+ (iOS & Android) — Riverpod, GoRouter, Dio, FL Chart, in_app_purchase

• Backend: NestJS 11 + TypeScript — PostgreSQL (27 tables, 6 migrations), Redis, BullMQ, Swagger

• Landing Page: React 19 + Vite 6 + Tailwind CSS 3.4

• AI: OpenRouter API (GPT-4o-mini) for optimizer, chat advisor, and insights

• Auth: JWT + Refresh Tokens, Google OAuth, Apple Sign-In, OTP via AWS SES

• Payments: Apple App Store + Google Play IAP — server-side receipt verification, webhook lifecycle management

• Storage: Cloudflare R2 (S3-compatible)

• Infra: PM2 + Nginx, GitHub Actions CI/CD (Backend CI, Mobile CI, Production Deploy, Frontend Deploy)

📦 What's Included

• Flutter Mobile App — iOS & Android, full source code

• NestJS Backend API — 27 PostgreSQL tables, 6 migrations, Swagger docs at /docs

• React Landing Page — built with Vite + Tailwind CSS, ready to deploy

• CI/CD Pipelines — 4 GitHub Actions workflows

• Full documentation and setup guide

💎 Subscription Plans (In-App)

• Free: Track up to 10 subscriptions, basic renewal alerts, basic analytics, 1 budget

• Premium Monthly — $3.99/month: Unlimited subscriptions, advanced alerts, AI optimizer, AI chat advisor, alternative suggestions, full 12-month analytics, unlimited budgets, CSV/PDF export, ad-free

• Premium Yearly — $29.99/year: All premium features at best value

• Lifetime — $79.99 one-time: All premium features forever

• Apple App Store and Google Play receipt verification with full webhook lifecycle handling

📋 Requirements

• Flutter 3.2+ with Dart

• Node.js 18+ and npm

• PostgreSQL 14+ database

• Redis 6+ instance

• Firebase project (Cloud Messaging / FCM)

• OpenRouter API key (GPT-4o-mini for AI features)

• Cloudflare R2 or S3-compatible storage bucket

• AWS SES account (transactional email)

• Apple Developer and/or Google Play account for IAP

• Stripe account (optional)