MyFinancial — Personal Financial Advisor

Problem

Financial planning in India is fragmented across banks, insurance, and tax documents. Most tools require sharing sensitive data with third parties.

Business Impact

Indians manage finances across 5-10 different platforms. No single tool consolidates bank accounts, insurance, tax, and investments — while keeping data private. MyFinancial solves this with zero cloud dependency.

System Approach

• React 19 + Vite 7 PWA frontend with Tailwind CSS 4 glassmorphism design
• Dexie (IndexedDB) for privacy-first local data storage — no sensitive data leaves the browser
• Zustand for lightweight state management across the 6-step wizard
• Spring Boot 3.x + Java 21 backend with PostgreSQL for optional cloud sync
• Color-coded wizard steps with contextual financial health indicators

Key Decisions & Trade-offs

• LocalStorage/IndexedDB over cloud storage — privacy is a core value proposition
• Rule-based engine over AI/ML — deterministic financial calculations are more trustworthy
• India-specific instruments (PPF, EPF, NPS, Gold) over generic global templates
• PWA over native app — broader reach, works offline, single codebase

Current Status

6-step wizard functional. Profile, Income, Assets, Liabilities, Insurance, and Tax screens complete. Wealth Dashboard with Net Worth scorecard and Financial Runway implemented.

Roadmap

• Add goal-based financial planning (retirement, education, home)
• Implement mutual fund portfolio analysis
• Add PDF report generation for financial health summary

What I'd Improve Next

• Could add optional encrypted cloud backup for cross-device sync
• Consider adding AI-powered investment recommendations

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