Finance Tracker AI - Sell Project

Personal finance tracker with an AI assistant: web application + REST API + mobile app (currently in development). Seller memorandum: product overview, valuation, marketplaces, transaction process, and asset transfer.Price: $3,000 Codebase (JavaScript): ~100,000 lines UI Languages: 7 Supported Currencies: 41 Revenue / Users: $0 / 0Backend + web app: 81,152 lines of code; including the mobile app: ~100,000 lines. Development history: 105 commits, from August 2025 to March 2026, single author.1. ProductA freemium SaaS personal finance platform built for the global market. Three clients share the same API:Web application (React + Material UI, 16 pages)Mobile application (Expo / React Native, ~25–30% complete)REST API (Express + MongoDB, ~22 controllers)Core Finance EngineAccounts — cash, bank accounts, cards, savings, investments; default account support; incremental balance updates inside MongoDB transactions with consistency verification tools.Transactions — income, expenses, transfers with fees, tags, filters, full-text search, bulk deletion, and CSV export.Bank statement import — CSV/XLSX/OFX/QFX with preview, AI-powered row mapping into transactions, semantic category matching, and hash-based deduplication.Hierarchical categories — two-level structure with emojis, colors, templates, and translations into seven languages.Budgets — category- and period-based budgets with hierarchy awareness and progress indicators.Loans & debts — payment tracking, interest rates, and automatic next payment date calculation.Financial goals — priorities, progress tracking, and AI-generated goals based on onboarding responses.Dashboard & analytics — 19 analytics endpoints including heatmaps, treemaps, Pareto (80/20), cash flow forecasting, category trends, month-over-month comparisons, and 10+ chart types powered by Chart.js and Highcharts.AI Layer — Primary Competitive Advantage (9+ AI Features)AI chat — multiple conversations with persistent history and full financial context injected into prompts.Voice transaction entry — Whisper transcription combined with AI parsing (e.g. "I spent one thousand on groceries yesterday" → structured transaction with automatically selected category and account).AI financial insights — personalized recommendations prioritized as urgent, attention, or good.Forecasting — budget overruns, recurring expenses, seasonal spending, and mandatory payment predictions with risk levels.Anomaly detection — unusually large expenses, suspicious transactions, and behavioral changes with four severity levels.Expense classification — categorizes spending into beneficial, neutral, and harmful with percentage breakdowns.Financial score — overall score from 0–100 with AI-generated explanations.AI onboarding — 9-step questionnaire that automatically generates personalized financial goals.Cost-efficient AI architecture — AI responses are cached in MongoDB with a TTL of 2–30 days. The primary model is gpt-5-mini, keeping AI operating costs to only a few cents per user per month.Monetization & MarketFully designed freemium model:Free — limits of 5 accounts, loans, goals, and 5 AI messages per monthPremium — $4.99/month or $49/yearBusiness tierPremium feature gates for analytics, AI functionality, and voice input.Upgrade modals and a complete pricing page with FAQ.Payment providers (Stripe/Paddle) are not yet integrated, but the integration points are already prepared.7 UI languages (English, Russian, Spanish, German, French, Armenian, Turkish), approximately 1,500 translation keys per language, including Clerk localization.41 supported currencies with server-side conversion through a USD anchor currency and live exchange rates.Authentication via Clerk (email, Google, and other social providers); the mobile app additionally supports Apple and Facebook OAuth.Integrated Tawk.to live chat with automatic user identification.2. Technology StackBackendNode.jsExpressMongoose (MongoDB Atlas)ClerkOpenAI SDKHelmetExpress Rate LimitMulterCustom internationalization systemWeb ApplicationReactViteMaterial UIChart.jsHighchartsReact RouterReact Hook Form + YupAxiosClerk ReactMobileExpo SDKReact NativeClerk ExpoReact Query 5React Native Paperi18nextExternal ServicesMongoDB AtlasClerk (free up to 10,000 MAU)OpenAI APITawk.to (free)Free exchange-rate APIs with automatic fallback providersDeployment / CINot configured yet:No DockerNo Vercel or Render configurationNo CI/CD pipelineThe project currently runs locally without issues.TestingNo automated testsESLint configured only for the web applicationThe infrastructure is almost entirely managed services, allowing a buyer to launch production with minimal operational costs and virtually no server maintenance.3. Honest Position for the SaleThis is a mature MVP codebase, not an operating business.The project has never been deployed to production, has no real users (only three developer test accounts), and has generated no revenue.The sale includes:Complete source codeDocumentationAn estimated 3–6 months of development time savedThe following limitations should be disclosed to any buyer:Stripe/Paddle payments are not integrated. The pricing page purchase buttons are inactive, although the subscription model and UserPlan architecture are already implemented.The web application currently uses a hardcoded API URL (localhost:3002) for production builds. Updating it for production deployment takes approximately 30 minutes.Clerk is configured with a development instance (pk_test) and must be switched to a production environment.The mobile application includes authentication, onboarding, accounts, and bank statement import. The dashboard, transactions, and analytics screens currently display "Coming Soon" placeholders. The app has never been published to the App Store or Google Play.Dark mode and the calendar module are scaffolded but not implemented.Strengths that compensate for these gapsComprehensive documentation, including a complete project specification (PROJECT_CONTEXT.md) and a detailed 50-day mobile development roadmap.Well-designed financial core architecture featuring:USD anchor currency modelMongoDB transaction-based accountingAI response cachingA feature set rarely found together in indie SaaS projects:Multi-language supportMulti-currency architectureAI-powered functionalityFreemium business modelModern React ecosystemUnified backend serving both web and mobile clientsDealAsking $3000. Includes full code (fresh repo), all documentation, database schema + seed scripts, transfer of Clerk app, and 2 weeks of post-sale support. Escrow welcome.