Finima 💸

Your finances, finally under your control.

Finance + Intelligence = Finima. Because understanding your money shouldn't require handing it to someone else.

Finima is a privacy-first, self-hosted personal finance intelligence platform. Import transactions from any bank, let a local AI classify and analyze them, and get deep insight into your spending, savings, and cash flow — without your data ever leaving your machine.

🔒 No cloud sync. No subscriptions. No data brokers. Just fast, private, intelligent finance.

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💡 Why Finima?

Most finance apps ask you to trust them with your most sensitive data. Finima flips that model entirely. Here's what makes it different:

• 🏠 100% self-hosted — your financial data lives on your hardware, under your rules. No SaaS, no terms-of-service surprises.
• 🤖 Local AI categorization — an Ollama-powered LLM classifies your transactions on-device. No cloud API calls, ever.
• 📂 Bank-agnostic import — bring data from any institution via CSV, OFX, QIF, or XLSX, with a guided column-mapping UI.
• ⚡ Built for speed — a Rust backend processes thousands of transactions in milliseconds; the React frontend stays snappy at any scale.
• 🔄 Learns your patterns — recurring transaction detection, inter-account flow analysis, and a composite health score that improves as it learns your finances.
• 🔑 Passwordless by default — magic-link sign-in means no passwords to forget, reuse, or breach.

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📸 Screenshots

 

Dashboard        Transactions

 

Money Flow        Budget Tracker

 

Savings Goals        Recurring Payments

 

Portfolios        Financial News

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✨ What It Does

Capability	How
🤖 AI categorization	Local LLM labels every transaction — no cloud API calls, no data leaving your server
📂 Multi-format import	CSV, OFX, QIF, XLSX — guided column-mapping UI works with any bank export
💰 Budget tracking	Set category budgets, watch real-time progress bars fill as you spend
🎯 Savings goals	Define targets, see automatic contribution tracking month by month
🔄 Recurring detection	Surfaces every subscription, utility bill, and regular payment automatically
🌊 Money flow visualization	Sankey diagrams reveal exactly how money moves across your accounts
📊 Financial health score	Composite gauge of spending habits, savings rate, and debt load — all in one number
📈 Cash flow & net worth charts	Waterfall, donut, and time-series views so trends are impossible to miss
📰 Financial news with AI digest	Aggregated articles with LLM-generated summaries, filtered to what matters to you
⚡ Real-time progress	WebSocket updates stream import and AI processing status live — no page refreshes needed

⚙️ How It Works

Bank export → Upload via UI → Parse & normalize → AI categorization → Store in PostgreSQL
                                                        ↓
                                            Ollama LLM (on-device)
                                                        ↓
                              Analysis: budgets · goals · recurring · health score · flows
                                                        ↓
                                         React dashboard (real-time via WebSocket)

Under the hood: a Rust workspace of 8 crates handles ingestion, auth, analysis, AI, and the API layer. PostgreSQL is the single source of truth. Ollama runs the model locally. MinIO provides S3-compatible object storage for uploaded files.

🚀 Quick Start

# Clone and configure
git clone https://github.com/pacphi/finima.git
cd finima
cp .env.example .env

# Start everything at once
make start          # infrastructure + backend + frontend
# → Open http://localhost:5173

Or step by step:

make docker-infra   # Start PostgreSQL + MinIO (+ Ollama when LLM=ollama)
make dev            # Start backend (port 3000) + frontend (port 5173)

Prerequisites: Docker, Rust 1.85+, Node.js 24+, pnpm 10+ — or just Docker for infrastructure. See Quick Start for the full setup guide, or Getting Started if you prefer a step-by-step walkthrough with no assumed technical knowledge.

🏗️ Architecture

React 19 SPA (TypeScript) ──REST + WebSocket──→ Axum API Gateway
        │                                               │
   React Router                                  Rust Workspace
   Zustand state                          ┌────────────┼────────────┐
   Recharts + Tailwind                    │            │            │
                                     finima-llm  finima-analysis  finima-ingest
                                          │            │            │
                                     Ollama LLM  PostgreSQL 16   MinIO / S3

• 🦀 Backend: Rust (Axum 0.8), 8 workspace crates, SQLx, async throughout
• ⚛️ Frontend: React 19, TypeScript, Vite, Tailwind CSS, Recharts
• 🔒 Privacy: embeddings and AI inference run entirely on your machine

See Architecture Overview for the full design and ADRs for the rationale behind key decisions.

🎯 Features at a Glance

• 🔑 Magic-link auth — passwordless sign-in, zero credentials to manage
• 📂 Smart import — any bank, any format, guided column mapping
• 🤖 On-device AI — Ollama + Gemma 4, no cloud required
• 💰 Budget & goals — real-time category budgets and savings targets
• 🌊 Money flow (Sankey) — visualize inter-account transfers at a glance
• 📊 Health score — one number that captures your financial fitness
• 🔄 Recurring radar — auto-detect subscriptions and regular payments
• 📈 Charts everywhere — waterfall, donut, time-series, net worth timeline
• 📰 News digest — financial headlines with AI-written summaries
• 🌙 Dark / light mode — plus configurable currency and date formats

📚 Documentation

👥 For Everyone

Document	Description
Getting Started	Step-by-step setup — no technical knowledge needed
Quick Start	Concise setup guide for developers
User Guide	End-to-end walkthrough of every feature
UI Overview	Visual tour of every screen
Glossary	Plain-language definitions for every term
Deployment	Production deployment — bare metal, Docker, cloud

👩‍💻 For the Team

Document	Description
Maintainer Guide	Dev setup, coding standards, PR workflow
Architecture Overview	System design — crates, data flow, boundaries
Object Storage	MinIO / S3 configuration
Backup & Recovery	Database backup and point-in-time restore
Observability	Metrics, tracing, and dashboard setup
Troubleshooting	Common issues and fixes

🏛️ Architecture Decisions

See all ADRs in docs/ADRs.

🗺️ Domain Model

See all DDDs in docs/DDDs.

🛠️ Development

make help           # all available targets
make ci             # format-check + lint + typecheck + unit tests
make test           # unit tests only (no Docker needed)
make test-all       # full suite — auto-starts test DB, runs everything
make test-llm       # LLM tests — auto-starts Ollama, pulls model

See the Maintainer Guide for the full developer reference.

🔧 Tech Stack

Layer	Technology
Backend	Rust, Axum 0.8, PostgreSQL 16 (SQLx), Tokio, MinIO / S3
AI	Ollama (Gemma 4), local inference, on-device categorization and feed summarization
Frontend	React 19, TypeScript, Vite 8, Tailwind CSS, Recharts, React Router, Zustand
Auth	Magic-link (passwordless), JWT, SHA-2
Infrastructure	Docker Compose, GitHub Actions CI, Dependabot, Prometheus-compatible metrics

📄 License

MIT

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Finima: because your finances deserve intelligence, not just a spreadsheet.