FINC

Your money, on a real ledger.

FINC is a self-hosted personal-finance platform built on a proper double-entry accounting ledger — fed automatically by your bank statements and brokerage confirmations, reconciled to the satang, and kept entirely on infrastructure you control.

Explore the demo Loaded with realistic sample data — no sign-up, nothing real.

What it does

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Imports itself

Drops bank-statement PDFs and trade confirmations in from cloud storage and parses them automatically — file- and line-level deduped, so re-running is always safe.

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Double-entry truth

Every transaction balances. Transfers net out, refunds offset their category, and the ledger reconciles against each statement's closing balance.

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Investments & FX

FIFO cost basis, realized & unrealized P&L, dividends, and multi-broker positions — including foreign-currency holdings tracked through a USD wallet.

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The whole picture

Net worth, cashflow, expenses by category, credit cards, installment plans, and a full mortgage amortization — one coherent view.

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Private by design

No third-party finance aggregator ever sees your accounts. Your data lives in your own database, on your own deployment.

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Self-learning rules

A rules engine categorizes merchants automatically and learns from your corrections, so the ledger gets tidier over time.

How money flows through it

Bank / broker PDFs→ Parse & dedup→ Double-entry postings→ Categorize & match→ Reconcile→ Reports & net worth

Design principles

The ledger is the source of truth. Every figure on every screen is derived from balanced double-entry postings — never a spreadsheet cell someone typed.
Idempotent by default. Imports, price syncs and matching can run again and again without creating duplicates — a crashed run is always safe to retry.
Reconcile, don't trust. Ledger balances are replayed against statement closing balances; drift surfaces instead of hiding.
Privacy over convenience. Statements come from your own cloud drive; the database never leaves your infrastructure.
Honest about uncertainty. Approximations (FX timing, projected spend) are labelled as such rather than presented as fact.

Architecture

Frontend

React + TypeScript + Vite, Chart.js — a multi-tab dashboard (Overview, Ledger, Accounts, Investments, Insights).

Backend

Python + FastAPI. Statement parsers, a categorization/rules engine, FIFO valuation, reconciliation, and reporting services.

Database

SQLite in WAL mode — a real double-entry schema (accounts, transactions, postings, instruments, trades).

Hosting

A single container on Google Cloud Run, with Litestream streaming the SQLite file to object storage for continuous backup & point-in-time restore.

Automation

Scheduled jobs pull new statements and refresh prices; a live activity feed shows runs and logs as they happen.

Ingest

Bank/credit-card PDFs, brokerage trade confirmations, and email receipts — normalized into one ledger.

FINC is a personal project for tracking one's own finances. It is not financial advice, not a bank, and not a hosted service — it's software you run yourself. The demo below uses entirely fictional data.

Under the hood

Curious how a bank-statement PDF becomes a reconciled net-worth figure? The technical breakdown walks through every stage in plain language — the double-entry model and integer-satang precision, deduped imports, the self-learning categorizer, transfer & refund matching, statement reconciliation, FIFO investment valuation with FX, and the Cloud Run + Litestream deploy and backup setup.

Read the technical breakdown →

Open the demo →