Personal finance PWA

Triarquia

Save, invest, grow — in that order.

Year: 2026
Role: Product · Full-stack · AI integration
Status: In conception

A project in conception: what exists is a personal-use prototype, in a private repository. The figures shown on the screens are fictional.

The problem

Finance apps show beautiful charts and never say what to do first. For someone in debt, a spending pie chart is information without consequence: what's missing is an order of priority — which debt to clear first, and from what point investing starts to make sense.

The solution

A dashboard that pulls accounts, cards and investments through Open Banking, plus an AI advisor that answers using the user's own numbers, with the investing pillar unlocked only once debt is under control. Installs as a PWA on Android and iPhone from the same URL.

Technical decisions

01
The language model never computes a number
Aggregates are calculated in the backend and handed to the model ready-made; the model only reasons over them. Language models get arithmetic wrong silently and convincingly — in a financial app that is the most dangerous class of error there is, and it's eliminated by construction.
02
Swappable AI provider, including local
Claude, OpenAI or a local model through Ollama, chosen in settings without touching code. Anyone who doesn't want their bank statement leaving the machine runs it locally; anyone who wants the best answer uses a frontier model. That call belongs to the user, not to the architecture.
03
PWA instead of a store app
Installs on Android and iPhone from the same URL, with no review process and no second codebase. For a personal-use app, the cost of shipping to two stores doesn't pay for itself.

What shipped

Personal-use prototype with a dashboard for balance, card debt, invested amount, monthly balance and spending by category
AI advisor answering across all three providers, always over backend-computed aggregates
Open Banking integration with a local cache of bank data
Installable as a PWA on Android and iPhone, with light and dark themes
No product definition, pricing or audience yet — this is exploration, not a launch

Stack

React
Vite
Tailwind CSS
Flask
SQLite
Open Finance · Pluggy
Claude · OpenAI · Ollama

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