AI Personal Finance SaaS Starter launch — Claude API insights, OCR receipts, 5-bank CSV, 60+ RLS migrations

Building an AI personal-finance SaaS solo = 3 months of plumbing before you write a real feature. Stripe webhooks, Supabase RLS, Claude prompts, OCR pipeline, CSV bank import, multi-currency, tax calculators. I did all of it - and packaged it as AI Personal Finance SaaS Starter.

This is not a chassis with "auth + dashboard". This is a worked fintech vertical, production-ready, running today, with all the domain-specific features a personal-finance app actually needs.

→ Live demo at ai-personal-finance.kpboards.com  ·  Buy launch $199 on Polar.sh

Why I built this and why I'm selling it

I built FinanceAI from Q1 2025 for personal use - freelancer income volatility, no HR doing my insurance, no one planning retirement for me. The app still runs fine. But fintech SEA is hot right now - Indonesia, Thailand, and Vietnam all need local-first personal-finance apps. I don't have the bandwidth to ship in all three countries.

Open-sourcing the codebase is win-win: you save 3-4 months of plumbing (Stripe + Supabase RLS + Claude prompts + OCR + multi-currency + tax), I recoup the dev cost, and I keep maintaining publicly for buyers.

6 things shipped - not a chassis

1. Claude API insight engine - 4 prompt types, haiku + sonnet split

• Weekly digest (sonnet) - week summary, suggested actions
• Anomaly alert (haiku - 20× cheaper) - flags unusual spend
• Goal review (sonnet) - progress against goals
• Forecast write-up (sonnet) - 30/60/90-day cashflow analysis

Edge Function-based generation (supabase/functions/generate-insight/) - the Anthropic key stays server-side, never reaches the Next.js bundle. Per-user 7-day cache. Token + model usage tracked in the insights table, surfaced in the admin dashboard. 6 mandatory prompt rules: JSON-only, specific amounts, no hallucination, ≤120 words, right model per task.

Estimated cost: ~$5 - 15/month for 1k MAU.

2. OCR receipts + 5-bank CSV import

Three transaction input methods:

• Manual entry - RHF + Zod
• OCR receipt scan - Tesseract.js client-side (no server upload)
• CSV bank import - 5 pre-wired parsers: Vietcombank / Techcombank / TPBank / VIB / generic

CSV import has a diff-and-confirm screen - duplicates never land in the ledger.

3. Full finance suite + tax calculators

• Dashboard, transactions, goals (SMART templates + AI nudges)
• Budgets (caps + rollover + alerts)
• Recurring (subs + income detection)
• Debts (snowball + avalanche planner)
• Invoices + clients (freelancer mode)
• Accountant share-link (/accountant/[token] with scope + expiry)
• Forecast (30/60/90-day)
• Net-worth + portfolio
• Calendar
• Family/team accounts (owner / co-pilot / view-only)
• Tax calculators: VN TNCN (7-bracket), ID PPh 21 (PTKP 54M), TH PIT (8-bracket)

4. Stripe billing - multi-currency + freemium gate

• 3 tiers: Free / Pro / Family
• Webhook-verified upgrades, customer portal, dunning + grace-period handling
• Idempotent stripe_events table
• Multi-currency: USD/EUR/GBP/VND/IDR/THB
• Server-side freemium middleware blocks Pro routes for Free users
• profiles_update_self_safe_columns RLS policy blocks user-side billing tampering - the webhook is the only writer

5. Public API v1 + v2 + per-user API keys + TypeScript SDK

• /api/v1/me, /api/v2/transactions/batch (100/call), /api/v2/usage
• ApiKey table stores prefix + sha256(plaintext); plaintext shown once at creation
• Typed FinanceAIClient SDK in public/sdk/ with 429 auto-retry
• Webhook delivery with auto-disable after 10 consecutive failures

6. RLS-first Postgres - 60+ migrations + verify:rls

• 60+ SQL migrations in supabase/migrations/ with paired CREATE POLICY blocks for every table
• on_auth_user_created trigger materializes the Profile row on signup
• enforce_role_immutability blocks role escalation
• bun run verify:rls asserts every table has RLS on + the right policy - drift fails CI

Plus extras

• Gamification - XP, levels, badges, streaks (with streak freeze), 10 badge types, weekly challenges. Wakes dormant users ~40% in my cohort vs the no-gamification control.
• PWA + offline + Web Push - service-worker, install prompt, offline shell, transaction-queue replay on reconnect, /offline fallback. Web Push (web-push library) for daily nudges / anomaly alerts / weekly recaps.
• Demo mode - NEXT_PUBLIC_DEMO_MODE=true flips the deployment to read-only (every write API returns 403). bun run seed:demo provisions an admin user + 90 days of sample transactions.
• Investor PDF - admin analytics export with cohort LTV heatmap + onboarding funnel via jsPDF.

10 locales pre-wired

VN, EN, ES, FR, JA, KO, ZH, AR (with RTL), ID, TH. Type-safe keys, browser-locale + timezone auto-detect, hreflang alternates, multi-locale sitemap, language switcher. bun run i18n:check validates parity in CI; bun run i18n:sync writes [EN]-prefixed placeholders for missing keys.

Stack

Next.js 16 · React 19 · TypeScript 5.9 strict · Tailwind 4 · shadcn/ui · Supabase · Stripe · Claude API · Prisma 7 · i18next · TipTap · Tesseract.js · jsPDF · Sentry · PostHog · Vitest · Playwright

Pricing + license

• Launch $199 for the first 1000 buyers (then $299)
• Single-developer commercial - unlimited apps for self + direct clients, no source redistribution
• 6 months of free updates. After that, paid upgrade unlocks 12 more months
• 7-day no-questions refund

Who buys this, who doesn't

Buy if:

• Indie dev building a fintech SaaS - you don't want 3 months of plumbing before the first feature
• Founder going multi-locale on day one - 10 locales, multi-currency (USD/EUR/GBP/VND/IDR/THB)
• Agency building white-label personal-finance dashboards for clients
• You need a worked example of Claude API integration in production fintech

Skip if:

• You're not building fintech (consider Multi-language SaaS Starter - more general chassis)
• You're not deploying in SEA (multi-currency VND/IDR/THB is a strength; if you don't need it, this is overkill)
• You need a personal-finance app for self-use - this is a codebase to sell apps with, not an app for personal use

What about Stripe in Vietnam

The codebase uses Stripe directly. VN/SEA founders need a Stripe-supported entity (Stripe Atlas / US LLC) or a Merchant of Record like Polar.sh / Paddle. The wiring is processor-agnostic where it matters; the customer-portal + idempotent-webhook layer is the heavy lift the template saves you.

Multi-currency already covers VND / IDR / THB alongside USD / EUR / GBP.

Try it + buy

→ Live demo at ai-personal-finance.kpboards.com

→ Buy launch $199 on Polar.sh