Better Finance

A personal net worth tracker covering accounts, investments, budgets, goals, and money owed both ways.

Better Finance

The problem

Expense trackers answer "where did my money go?" but not "what am I worth?". I needed one view of bank accounts, investments, other assets, and money owed in both directions, plus the budgets and goals that move them.

My role

Sole developer. This is a rewrite of my 2024 version, which I had outgrown. I plan and review; larger tasks run through an AI executor.

What it does

  • Net worth across liquid and non-liquid accounts, with two-level investment categories
  • Budgets with drill-down to the underlying transactions
  • Receivables and payables
  • Goals with a ledger of what has been set aside and spent
  • English and Indonesian interface

Proof of use

  • My own finances run on it. Two years of history were imported from the spreadsheet it replaced.
  • 100+ closed issues across the original version and the rewrite.

Technical highlights

  • Consistent balances under concurrent edits. Every create, edit, delete and transfer updates balances in one Postgres function call.
  • Type-checked translations. A missing translation key fails the build, and a unit test keeps the English and Indonesian files in sync.