Live Demo: https://payplan-khaki.vercel.app
Track your spending, budgets, and goals with zero tracking and local-only storage. Simple, visual, and completely free.
Primary: Privacy-first budgeting app (competes with YNAB, Monarch, PocketGuard) Differentiators: Completely free, privacy-first (no bank sync), visual dashboards, gamification Target Users: Low-income earners (18-35) managing paycheck-to-paycheck budgets
PayPlan is a comprehensive budgeting solution focused on visual insights and habit-building through gamification.
- Visit the live demo
- Navigate to Categories to create spending categories
- Set Budgets for each category
- Track Transactions manually or import from CSV
- View your Dashboard with spending charts and insights
Complete budget setup: <5 minutes
- Spending Categories: Create and manage custom spending categories with budgets
- Monthly Budgets: Set budget limits per category with prorated tracking
- Transaction Tracking: Manual entry and CSV import of transactions
- Dashboard with Charts: Visual spending insights with pie charts and bar graphs
- Goal Tracking: Set and track savings goals with progress bars
- Gamification: Streaks, personalized insights, and wins to build financial habits
- Privacy-First: All data stored in localStorage, zero server storage, no tracking
- Accessibility-First: WCAG 2.1 AA compliant from day one
- CSV Import/Export: RFC 4180 compliant, round-trip compatible
- Prorated Budgets: Accurate budget tracking by day of month
- Smart Insights: 30-day recency filter, 50% month-progress threshold
- Loading States: Accessible skeletons with screen reader support
- Error Handling: PII-safe error logging, user-friendly messages
| Feature | YNAB | Monarch | PocketGuard | PayPlan |
|---|---|---|---|---|
| Price | $109/year | $100/year | $75/year | FREE |
| Privacy | No | No | No | Yes |
| Visual Dashboards | No | Yes | Yes | Yes |
| Gamification | No | No | No | Yes |
| Accessibility | Partial | Partial | No | WCAG 2.1 AA |
PayPlan wins on:
- ✅ Completely free (vs $75-109/year)
- ✅ Privacy-first (no bank sync required)
- ✅ Visual-first (charts and gamification)
- ✅ Accessible (WCAG 2.1 AA from day one)
- Frontend: React 19, TypeScript 5.8, Tailwind CSS 4.1, Vite 6.1
- Charts: Recharts (accessible, responsive)
- Validation: Zod 4.1
- Storage: localStorage (privacy-first)
- Deployment: Vercel
- Accessibility: Radix UI primitives
PayPlan/
├── frontend/src/
│ ├── components/ # React components
│ ├── pages/ # Route pages (Dashboard, Categories, Budgets, etc.)
│ ├── lib/ # Business logic
│ ├── hooks/ # Custom React hooks
│ └── types/ # TypeScript definitions
├── specs/ # Feature specifications (Spec-Kit)
├── memory/ # Constitution and project context
├── docs/ # Architecture decisions and research
└── .claude/ # Claude Code configuration
- Zero Tracking: No analytics, no telemetry, no third-party scripts
- localStorage Only: All data stays on your device
- No Authentication: No signup, no login, no email required
- PII Sanitization: Error logs sanitize personal information
- Open Source: Full transparency
Phase: Phase 1 (Pre-MVP, 0-100 users) Version: v0.2.0 (Dashboard complete) Features Complete:
- ✅ Spending Categories & Budgets (Feature 061)
- ✅ Dashboard with Charts (Feature 062)
- ✅ Gamification (streaks, insights, wins)
- ✅ Transaction Management
- ✅ Goal Progress Tracking
Next Up:
- Manual Transaction Entry UI improvements
- Recurring Bill Detection
- Budget Analytics & Insights
This project uses the Spec-Kit workflow with Claude Code for AI-assisted development. See CLAUDE.md for development guidelines.
MIT License - see LICENSE for details
Built with privacy, accessibility, and user trust as core values. Constitution: memory/constitution.md v1.2