Budgeting Partner — Automation-First Personal & Shared Budgeting Web App (Self-Hosted)

I’m seeking an experienced team/individual to build a secure, self-hosted web app (installable PWA) that automates personal budgeting and shared expense management for two people. The system must integrate with Canadian banks to auto-sync accounts and transactions, intelligently categorize spending with review controls, correlate transfers across accounts (including multi-leg movements and credit-card overpayments), and produce clear reports and forecasts. The accounting core must be double-entry to ensure correctness and easy reconciliation. Important: Please review the attached requirements document for the full, detailed list of requirements and acceptance criteria. Scope (high level): • Bank & Account Integrations (Canada): CIBC, RBC, TD, ATB. Prefer direct bank APIs where realistically available; otherwise use a reputable aggregator (e.g., Flinks/Plaid/MX). (Open to suggestions). Daily (or more frequent) automatic sync + manual refresh; robust relink/MFA expiry handling; deduplication and idempotency. Account types include chequing, savings, credit cards, loans, mortgages, and investments (balances/holdings only). • Budgeting Core: Envelope/zero-sum style with Unallocated Funds, category/group hierarchy, rollovers, overspending handling (cash vs credit), split transactions, scheduled/recurring transactions (auto-post; missed posts backfill), reconciliation (cleared/uncleared; statement match), month close & locks (with audit). • Double-Entry + Transfers: Correct postings for purchases, refunds, transfers, and card payments. Multi-leg chain detection (e.g., Savings → Chequing → Card) marked non-spend. Credit cards modeled as liabilities; overpayments create a credit balance (negative liability) excluded from income/expense. UI shows statement/current/available credit and credit-balance badge. Optional tile toggle to show “± relative to limit”; reports always use liability truth. • Categorization & Automation: ML-assisted suggestions with per-user confidence threshold (auto-apply when ≥ threshold; otherwise queue). User rules (merchant/amount/description conditions). Review Inbox for low-confidence recats, new imports, suspected transfers, duplicates. CSV/Excel import with saved mapping templates and dedupe. • Shared Budgets & Settle-Up: Private by default; items explicitly attached to a Shared Budget are fully visible to both users. Per-bill split defaults (50/50, 60/40, fixed) with per-transaction overrides (e.g., one party covers 100%). Shared ledger shows who’s ahead/behind; IOU tracking and reminders (e.g., pre-filled Interac e-Transfer memo—no money movement in-app). • Reporting & Forecasting: Calendar-month model; filters by person, shared space, account, category/group, goal, date range. Dashboards for spend by category/time, income vs expense, cash-flow trends, net worth, and “cash buffer age.” Bucket history charts (target vs contributed vs spent with links to transactions). 30/60/90-day cash-flow forecast using scheduled items + history. Exports (CSV & JSON) for accounts, transactions, categories, budgets, goals, rules, and reports. • Receipts (MVP): Attach photos/PDFs to transactions; no OCR in MVP. • Notifications & UX: Email + PWA push for new imports awaiting review, forecasted shortfalls, failed syncs. Responsive PWA, keyboard shortcuts, bulk actions, saved filters/views, dark mode, WCAG 2.2 AA accessibility targets. Deliverables (summary) • Deployable Web App I can self-host. You must provide a detailed list of system requirements and the necessary components for building and hosting the application. Additionally, you must deliver documentation covering deployment, backup and restoration, and ongoing maintenance. • Support - Assisting me with getting the app setup, making minor modifications after the application has been developed. • Documentation & handover (deployment guide, rollback/restore runbook, deployment notes, security notes, recorded walkthrough).

Project ID: 39730238