AI powered personal finance management platform to track accounts, income, and expenses in one place, with transaction management, automated recurring payments, monthly budgets, spending dashboards, and a personal AI assistant for personalized, real-time insights based on user financial data.
Explore the Spendix dashboard layout at a glance.
Entity relationships powering accounts, budgets, AI memory, and plan entitlements.
Higher tiers inherit every capability from the preceding plans, with premium-only rows called out explicitly.
| Feature | Free | Pro | Premium |
|---|---|---|---|
| Income & expense tracking | ✅ | ✅ | ✅ |
| Monthly budget setup | ✅ | ✅ | ✅ |
| Search & filter transactions | ✅ | ✅ | ✅ |
| AI receipt scan (3/month) | ✅ | ✅ | ✅ |
| Multiple accounts | ❌ | ✅ | ✅ |
| Unlimited AI receipt scans | ❌ | ✅ | ✅ |
| Recurring transactions | ❌ | ✅ | ✅ |
| Budget alert emails | ❌ | ✅ | ✅ |
| AI spending insights | ❌ | ✅ | ✅ |
| AI finance chatbot | ❌ | ❌ | ✅ |
| AI bulk insert (statement or screenshot ingest) | ❌ | ❌ | ✅ |
| CSV, Excel & PDF export | ❌ | ❌ | ✅ |
- Unified Ledger Control — Multi-account books, high-fidelity CRUD, and tight reconciliation keep every inflow/outflow auditable.
- AI-Assisted Imports — Gemini-powered parsing plus human-in-the-loop review accelerate bulk bank statement ingestion.
- Recurring Cashflow Engine — Deterministic schedulers project subscriptions, loans, and bills into actionable calendars.
- Budget Intelligence — Envelope-style tracking, alert thresholds, and visualizations surface overspend before it escalates.
- Finance Copilot — Conversational agents grounded in private vector memory translate intents into secure actions.
- Governed Access — Plan-aware UX, entitlement gating, and webhook-synced billing data keep monetization trustworthy.
Plan graphs, feature matrices, and plan-order logic ensure every surface knows what a member can access. Clerk webhooks synchronize lifecycle events, while experience toggles automatically hide, disable, or upsell premium affordances.
Recurrence schemas encode daily to custom cadences, while Inngest orchestrators expand those rules into dated invoices, autopay reminders, and monthly summaries. Optimistic UI states keep editing silky even before workers confirm the schedule.
A dedicated AI imports workspace combines drag-and-drop uploads, Gemini extraction, and LangChain tooling to normalize CSV, XLS, or PDF statements. Duplicate guards and semantic similarity checks protect the ledger before final commit.
Each receipt import also generates a deterministic hash scoped by user ID, so the same document can never be reprocessed. When a match is detected, the workflow blocks the upload with the precise error message “this receipt has been converted to a transaction already.”
The core ledger canvas features rapid filters, inline edits, and a transaction drawer tuned for keyboard-first workflows. Zod-backed forms guarantee category, amount, and metadata integrity while delivering real-time totals and context chips.
Vercel AI Elements drive a conversational surface that blends short-term context with long-term embeddings. LangGraph routes between analysis, insight, and action nodes so Spendix can summarize budgets, draft next steps, or queue transactions just by chatting.
---
config:
theme: neo-dark
---
flowchart TB
A([⭘ Start]) --> B([💡 Agent Node])
B --> C{❓ Type of Question?}
C -->|Direct Question| E([🏁 End])
C -->|Tool Needed| D([🛠 Tool Node])
C -->|RAG / Memory Needed| M([📚 RAG Memory Node])
D --> F{🔍 Tool Exists?}
F -->|Yes| G([⚡ Run Tool & Return ToolMessage])
F -->|No| H([❌ Return Error ToolMessage])
G --> B
H --> B
M --> R{🔍 RAG Tool Exists?}
R -->|Yes| S([📖 Fetch from Memory & Return Response])
R -->|No| T([❌ Return Error Message])
S --> B
T --> B
B --> E
subgraph MemoryFlow["🧠 MemoryGraph"]
I([⭘ Start]) --> J([📝 Summarize Node])
J --> K([💾 Remember Node])
K --> L([🏁 End])
end
classDef circle fill:#1f2937,stroke:#3b82f6,stroke-width:2px,color:#ffffff;
classDef square fill:#111827,stroke:#10b981,stroke-width:2px,color:#ffffff;
class A,E,I,L circle;
class B,D,M,G,H,S,T,J,K square;
Workflow showing how LangGraph agents branch between reasoning, memory refresh, and ledger actions.
Arcjet threat intelligence filters abusive clients before API or server actions execute, while Nodemailer alerts broadcast budget breaches or anomaly pings with branded templates. Every sensitive route stays wrapped in authenticated, rate-limited handlers.
---
config:
theme: default
---
flowchart LR
subgraph Client["Client"]
UI(["Next.js + shadcn/ui"])
AIAgent["Vercel AI Elements"]
end
subgraph Edge["Edge"]
Clerk[("Clerk Auth & Billing")]
Arcjet["Arcjet Shield"]
end
subgraph App["App"]
Actions["Server Actions"]
API["Route Handlers"]
LangGraph["LangGraph Orchestrator"]
end
subgraph Data["Data"]
Prisma[("Prisma ORM")]
Neon[("Neon PostgreSQL + pgvector")]
end
subgraph Workers["Workers"]
Inngest[("Inngest Cron & Events")]
Nodemailer>"Email Alerts"]
end
UI --> Clerk
Clerk --> Actions
AIAgent --> LangGraph
LangGraph --> Prisma & Inngest
Actions --> Prisma
Prisma --> Neon
API --> Arcjet
Arcjet --> Actions
Inngest --> Prisma & Nodemailer
AIAgent@{ shape: hex}
Arcjet@{ shape: h-cyl}
Actions@{ shape: tag-doc}
style UI stroke:#2962FF,fill:#BBDEFB
style AIAgent fill:#FFCDD2,stroke:#D50000
style Clerk fill:#FFE0B2,stroke:#FF6D00
style Arcjet fill:#E1BEE7,stroke:#AA00FF
style LangGraph fill:#C8E6C9,stroke:#00C853
style Prisma fill:#BBDEFB,stroke:#2962FF
style Neon fill:#C8E6C9,stroke:#00C853
style Inngest fill:#FFCDD2,stroke:#D50000
style Nodemailer fill:#FFD600
style App fill:transparent
style Workers fill:transparent
style Data fill:transparent
style Edge fill:transparent
style Client fill:transparent
Small overview of System Architecture how data is flowing
- Type Safety Everywhere — Shared schemas span forms, server actions, and persistence layers.
- Vector Intelligence — pgvector-backed memory ensures AI answers are grounded in first-party data.
- Event Sourcing — Inngest flows provide durable retries and idempotent ledger mutations.
- Edge Hardening — Clerk verifies identity, Arcjet throttles anomalies, and secret rotation keeps ingress secure.
- Node.js 20+, pnpm 9+.
- Neon PostgreSQL database with the
pgvectorextension enabled. - Clerk application (publishable + secret keys, billing & webhook URLs).
- Gemini + Google API keys, Arcjet key, Inngest event + signing keys.
- SMTP credentials for Nodemailer (SES, Resend, custom SMTP, etc.).
pnpm installpnpm prisma generatepnpm exec prisma migrate deploy- (Optional)
pnpm seed pnpm dev
NEXT_PUBLIC_CLERK_PUBLISHABLE_KEY=pk_test_xxxxx
CLERK_SECRET_KEY=sk_test_xxxxx
CLERK_WEBHOOK_SIGNING_SECRET=whsec_xxxxx
CLERK_BILLING_WEBHOOK_SIGNING_SECRET=whsec_xxxxx
NEXT_PUBLIC_CLERK_SIGN_IN_URL=/sign-in
NEXT_PUBLIC_CLERK_SIGN_IN_FALLBACK_REDIRECT_URL=/
NEXT_PUBLIC_CLERK_SIGN_UP_FALLBACK_REDIRECT_URL=/
NEXT_PUBLIC_APP_URL=http://localhost:3000
DATABASE_URL=postgresql://USER:PASSWORD@neon-host/db?sslmode=require
DIRECT_URL=postgresql://USER:PASSWORD@neon-host/db?sslmode=require
PGVECTOR_EXTENSION=pgvector
ARCJET_KEY=ajkey_xxxxx
INNGEST_EVENT_KEY=inngest_event_xxxxx
INNGEST_SIGNING_KEY=inngest_sign_xxxxx
GEMINI_API_KEY=AIzaSy...xxxx
GOOGLE_API_KEY=AIzaSy...xxxx
NODEMAILER_SMTP_HOST=smtp.gmail.com
NODEMAILER_SMTP_PORT=465
NODEMAILER_USER=alerts@spendix.app
NODEMAILER_PASS=app-specific-password
EMAIL_ALERT_FROM="Spendix Alerts <alerts@spendix.app>"pnpm dev— Next.js dev server with hot reload.pnpm lint— ESLint across the monorepo.pnpm build— Production bundle with type checks.pnpm inggest— Launch inggest dev server.pnpm webhook— Expose localhost via ngrok for Clerk webhooks.pnpm start— Launch compiled output.pnpm format/pnpm format:check— Prettier helpers.
- Bank Statement Imports deduplicate by account, institution, amount, and timestamp windows before persisting.
- Budget Alerts evaluate soft (75%) and hard (100%+) thresholds with context-specific advice in every email.
- AI Memory batches LangGraph recaps so embeddings stay fresh and storage lean.
- Bot Defense leans on Arcjet fingerprints, rate ceilings, and challenge flows to protect APIs and server actions.
- Predictive cashflow forecasting and anomaly detection.
- Direct bank connections (Plaid, Teller, Belvo) feeding AI imports.
- Shared workspaces (family / teams) with scoped permissions.
- Tax-ready exports and advanced reporting packages.
Pritam Maity — Full-Stack & AI Engineer
🔗 https://spedix.app
Always open to collaboration, code reviews, or deep dives into Spendix’s architecture—reach out!