MyFintech

Self-hosted personal finance dashboard — track bank accounts, budgets, investments, real estate, and net worth in one place.

Architecture

Service	Tech	Purpose
frontend	Next.js 14	Dashboards, budgets, rules UI
api	FastAPI	Business logic, auth, REST API
worker	Celery	Background sync & enrichment
scheduler	Celery Beat	Periodic refresh & snapshots
postgres	PostgreSQL 16	Primary database
redis	Redis 7	Task queue & caching
proxy	Caddy	HTTPS, routing, reverse proxy

Quick Start

# 1. Generate .env with random secrets
./scripts/init-env.sh

# 2. Edit .env — add your Plaid keys and other config
nano .env

# 3. Start everything
docker compose up -d

# 4. Run database migrations
./scripts/migrate.sh

# 5. Open the app
open http://localhost

Running Without Docker

You only need PostgreSQL and Redis installed on your machine (or use managed/cloud instances).

Prerequisites

• Python 3.11+
• Node.js 18+
• PostgreSQL 16
• Redis 7

Setup

# 1. Install deps + generate .env (points to localhost)
bash scripts/setup-local.sh

# 2. Create the Postgres user + database
sudo -u postgres psql -c "CREATE USER myfintech WITH PASSWORD 'your_password';"
sudo -u postgres psql -c "CREATE DATABASE myfintech OWNER myfintech;"

# 3. Run database migrations
cd api && .venv/bin/alembic upgrade head && cd ..

# 4. Start all services (API + worker + scheduler + frontend)
bash scripts/start-local.sh

This starts four processes in the foreground — press Ctrl+C to stop all of them.

Service	URL
Frontend	http://localhost:3000
API	http://localhost:8000
API docs	http://localhost:8000/docs

To stop from another terminal: bash scripts/stop-local.sh

Development (Docker)

# Start with dev tools (includes Adminer at :8080)
COMPOSE_PROFILES=dev docker compose up -d

# API docs available at http://localhost:8000/docs
# Adminer at http://localhost:8080

Project Structure

├── api/                    # FastAPI backend
│   ├── app/
│   │   ├── core/           # Config, database, security, deps
│   │   ├── models/         # SQLAlchemy models
│   │   ├── routers/        # API endpoints
│   │   ├── schemas/        # Pydantic schemas
│   │   ├── services/       # Background task logic
│   │   ├── main.py         # FastAPI app entry
│   │   └── worker.py       # Celery app + beat schedule
│   ├── alembic/            # Database migrations
│   └── Dockerfile
├── frontend/               # Next.js frontend
│   ├── src/
│   │   ├── app/            # App Router pages
│   │   ├── components/     # Reusable UI components
│   │   ├── lib/            # API client, utilities
│   │   └── styles/         # Global styles
│   └── Dockerfile
├── proxy/                  # Caddy reverse proxy config
├── scripts/                # Utility scripts
├── docker-compose.yml      # Full stack definition
└── .env.example            # Environment template

Build Phases

• Phase A — Platform foundation (Docker, auth, schema, health) ✓
• Phase B — Plaid banking + transactions (MVP)
• Phase C — Budgets + reporting
• Phase D — Brokerage / investments
• Phase E — Real estate + net worth
• Phase F — Hardening (encryption, backups, HTTPS, MFA)

Key Design Decisions

• Idempotent sync: Transactions keyed by plaid_transaction_id — re-running never duplicates
• Encrypted tokens: Plaid access tokens encrypted at rest with Fernet
• Household model: Multi-user support with owner/member roles
• Rule-based categorization: Pattern matching first, ML later
• Separate networks: Proxy on public, DB/Redis on private (not internet-accessible)