SpendKeep

SpendKeep is a privacy-first, zero-sync budget tracker designed to cure financial amnesia by giving users total control over their cash flow. Built for privacy-conscious operators and everyday budgeters, SpendKeep rejects the vulnerabilities of automated bank aggregators and intrusive SMS parsing. It relies on intentional tracking to build genuine financial awareness and daily discipline. Core Architecture & Privacy • Zero-Sync: Never asks for bank logins. The platform is entirely decoupled from vulnerable third-party data aggregators. • No SMS Scraping: Operates without reading private text messages or emails, protecting users against data overreach. • Institutional Security: Data is secured in PostgreSQL with strict Row-Level Security policies, ensuring absolute isolation of user ledgers. Data Ingestion & Tracking • The "90-Second Loop": A frictionless onboarding flow where users drop exported bank CSVs. The engine parses and maps data in under 90 seconds. • Rapid Manual Entry: Designed for speed and intention. Log transactions actively to engage with spending habits and avoid automated micro-transaction clutter. • Review Queue & Sovereignty Streak: A gamified system to categorize unassigned transactions, clear the queue, and maintain a discipline-building streak. Financial Analytics & Insights • Subscription Bleed Tracking: Identify consumer subscriptions and SaaS sprawl to instantly spot "ghost spend." • Capital Waste Analytics: Tracks the compounding cost of daily habits over time, showing the lost investment opportunity of that cash. • Wants vs. Needs: Built-in categorization to naturally align spending with the 50/30/20 financial framework. User Experience & Tools Suite • Dual-Theme Bridge: Dark Mode (Obsidian & Gold) for a terminal aesthetic, and Light Mode (Mint Green) for an approachable, calming experience. • Client-Side Calculators: Privacy-preserving, in-browser tools (SaaS Cost Estimator, Habit Calculator) that process data entirely locally.