Micro Financial Advisor

Wise is a real-time, decision-first personal finance dashboard that helps users answer one question in the moment:

"Can I spend this money right now?"

No spreadsheets. No rigid budgets. No bank integrations.

Just clarity.

✨ Full Authentication with Clerk (Email + Google OAuth) ✨ Persistent Database with Firebase Firestore ✨ Per-User Data Isolation with security rules ✨ Beautiful Landing Page matching dashboard theme ✨ Guided Onboarding for new users ✨ Production-Ready architecture

Most finance apps fail because they:

• Require constant discipline
• Expect users to track everything
• Focus on analysis instead of action

Wise flips the model.

Instead of asking users to plan harder, it helps them decide smarter—right before spending.

• Decision-first UX → Help at the moment of spending
• Real-time math → Everything updates instantly
• Emotion-aware finance → Reduce anxiety, not just numbers
• Zero integrations → No bank APIs, no legal complexity
• Secure & Private → Per-user data isolation with Firestore

Instantly shows how much you can safely spend today, calculated from:

(income − fixed costs − savings goal − spent so far) ÷ days left

No categories. No charts. Just a number you can trust.

Log a spend like:

“₹299 on Swiggy”

Get an immediate verdict:

• ✅ Safe — you’re on track
• ⚠️ Risky — tomorrow’s allowance shrinks
• ❌ Not advised — goal impact detected

The log is saved to Firestore and all metrics update instantly.

• Monthly spendable vs used
• Week-over-week comparison
• Safe spend for rest of week
• No-spend streaks
• Projected month-end outcome

All computed from real data, not estimates.

An AI assistant connected directly to your financial reality.

It understands:

• Your income, expenses, goals
• Your spending patterns
• Budget overruns and projections

Ask things like:

• “Can I afford a ₹5k phone this month?”
• “Why am I overspending on food?”
• “How do I fix my projected overshoot?”

Chat history is persisted to Firestore per user.

• Create savings goals with projections
• Set category budgets (optional)
• See progress, risk, and overshoots in real time

Define recurring rules (rent, subscriptions, EMIs). One click generates real transactions when due.

• 7-day trend
• Monthly breakdowns
• Category analysis
• Overspend detection
• Spending spike alerts

Everything is derived from actual logs.

• Budget threshold alerts
• Daily overspend warnings
• Weekly summary nudges

Stored per-user in Firestore.

• Framework: Next.js 16 (App Router)
• Language: TypeScript
• Styling: Tailwind CSS 4 (Dark UI)
• Animations: Framer Motion
• Charts: Chart.js
• Icons: React Icons
• Notifications: react-hot-toast

• Authentication: Clerk (Email/Password + Google OAuth)
• Database: Firebase Firestore
• AI: Google Gemini 2.5 Flash
• Deployment: Vercel (recommended)

• Per-user data isolation via Firestore security rules
• Clerk middleware for route protection
• Environment variables for API keys
• No third-party trackers

• ✅ Secure authentication with Clerk
• ✅ Per-user data isolation (Firestore rules)
• ✅ No bank connections
• ✅ No third-party trackers
• ✅ AI receives sanitized, opt-in context
• ✅ All data encrypted in transit and at rest

• Node.js 18+ installed
• Firebase project created
• Clerk account created

1. Clone the repository

git clone https://github.com/your-username/wise-app
cd wise-app
npm install

2. Set up environment variables

Create .env.local with:

# Gemini API
GEMINI_API_KEY=your_gemini_api_key

# Clerk
NEXT_PUBLIC_CLERK_PUBLISHABLE_KEY=your_clerk_publishable_key
CLERK_SECRET_KEY=your_clerk_secret_key

# Firebase Client
NEXT_PUBLIC_FIREBASE_API_KEY=your_firebase_api_key
NEXT_PUBLIC_FIREBASE_PROJECT_ID=your_project_id
# ... (see SETUP_GUIDE.md for full list)

# Firebase Admin
FIREBASE_ADMIN_PROJECT_ID=your_project_id
FIREBASE_ADMIN_CLIENT_EMAIL=your_service_account_email
FIREBASE_ADMIN_PRIVATE_KEY="your_private_key"

3. Deploy Firestore security rules

firebase deploy --only firestore:rules

4. Run development server

npm run dev

5. Open http://localhost:3000

See SETUP_GUIDE.md for complete instructions including:

• Firebase project setup
• Clerk configuration
• Firestore rules deployment
• Environment variables
• Troubleshooting

• QUICK_START.md - Quick reference for immediate next steps
• SETUP_GUIDE.md - Complete setup instructions
• DASHBOARD_MIGRATION.md - Migrate dashboard to Firestore
• IMPLEMENTATION_SUMMARY.md - What was implemented
• ARCHITECTURE.md - System architecture and data flows

All user data is stored in Firestore:

/users/{userId}/
  ├─ profile/main              # User settings (income, expenses, goals)
  ├─ logs/{logId}              # Spend logs
  ├─ budgets/main              # Category budgets
  ├─ goals/{goalId}            # Savings goals
  ├─ recurring/{ruleId}        # Recurring transaction rules
  ├─ notifications/{notifId}   # User notifications
  └─ chat/{messageId}          # FinanceGPT chat history

Security rules ensure each user can only access their own data.

# Install Vercel CLI
npm install -g vercel

# Deploy
vercel

# Add environment variables in Vercel Dashboard
# Settings → Environment Variables

Works on any platform supporting Next.js:

• Netlify
• Railway
• Render
• AWS Amplify

• Production personal finance apps
• Hackathons
• Students & early professionals
• Personal finance experiments
• AI + UX case studies
• Fintech MVPs without compliance pain

• Clerk authentication
• Firebase Firestore integration
• Per-user data isolation
• Landing page
• Onboarding wizard
• FinanceGPT chat persistence

• Dashboard migration to Firestore
• Component updates

• Data export/import
• React Query for caching
• Optimistic UI updates
• Offline support
• Firebase Analytics
• WhatsApp daily safe spend
• Family/shared budgets
• UPI / bank integrations (optional)

Contributions are welcome! Please:

1. Fork the repository
2. Create a feature branch
3. Make your changes
4. Submit a pull request

MIT License - feel free to use this for personal or commercial projects.

• Clerk for authentication
• Firebase for database
• Google Gemini for AI
• Vercel for hosting
• Next.js for the framework

For issues or questions:

• Check the documentation in the repo
• Open an issue on GitHub
• Review SETUP_GUIDE.md for troubleshooting

Built with ❤️ for better financial decisions