ch · 04/personal finance/case study
vault.
track every rupee. build real wealth.

A calm ledger beats six finance apps. One unified inbox for every rupee that moves in your accounts — built end-to-end for Sri Lanka, with an AI extraction pipeline at the core.

live1,247 transactions auto-imported · 96% confidencev2.4.0
vault · dashboard
tuesday, 27 may
Good morning, Shuhaib.
all systems · in sync
net worth
Rs 42,83,950
▴ 3.2% MoMassets Rs 51.20 Lliab Rs 8.36 L
income · may
Rs 4,12,000
+8.1%
expenses · may
Rs 2,18,640
−2.4%
savings rate
46.9%
good20%+ recommended
income vs expenses · 6 mo
incomeexpense
dec
jan
feb
mar
apr
may
recent activity
Keells Super
today · groc
−Rs 8,420
Salary · Acme
may 25 · inc
+Rs 412,000
Uber
may 24 · transport
−Rs 1,260
Dialog
may 22 · util
−Rs 4,800
at a glance
role
design + full-stack
stack
next.js 14 · mongo · expo · llm
patterns
scroll-scrubbed · auto-import · ai coach
type
geist 900 · geist mono
the argument

end-to-end personal finance for sri lanka: an ai extraction pipeline reading bank emails and sms into one ledger.

signature

what was built.

Four ingestion channels feed one AI extraction pipeline: bank emails, SMS, iOS shortcuts, PDF and CSV statements. Out the other end, a single categorised ledger — with per-bank prompts, golden fixtures, and a 96% extraction rate across three Sri Lankan banks.

shipped feb–may 2026 · self-host · single user
01 / 04
Gmail · IMAP
bank transaction emails · hourly sync
02 / 04
Android SMS
OS-level intent · real-time webhook
03 / 04
iOS Shortcuts
on-device capture · share sheet
04 / 04
PDF · CSV
monthly statement upload · 3 banks
05 / desktop

one screen,
the whole
picture.

Net worth, six-month cashflow, savings rate, recent activity. The dashboard earns its place — every figure linkable, every chart filterable to its source rows.

net worth
monthly cashflow
6-month trend
recent activity
vault · dashboard
tuesday, 27 may
Good morning, Shuhaib.
all systems · in sync
net worth
Rs 42,83,950
▴ 3.2% MoMassets Rs 51.20 Lliab Rs 8.36 L
income · may
Rs 4,12,000
+8.1%
expenses · may
Rs 2,18,640
−2.4%
savings rate
46.9%
good20%+ recommended
income vs expenses · 6 mo
incomeexpense
dec
jan
feb
mar
apr
may
recent activity
Keells Super
today · groc
−Rs 8,420
Salary · Acme
may 25 · inc
+Rs 412,000
Uber
may 24 · transport
−Rs 1,260
Dialog
may 22 · util
−Rs 4,800
06 / pocket

four screens you’ll actually open.

React Native via Expo. Tactile touch targets, no decorative chrome — each surface earns its place by being the first thing you reach for in that context.

tuesday, 27 may
Good morning.
net worth
Rs 42.84 L
▴ 3.2%this month
income
Rs 412k
+8.1%
expenses
Rs 218k
−2.4%
savings rate
46.9%
good
accounts
11
7 types
recent
view all →
Keells Super
today · groceries
−Rs 8,420
Salary · Acme
may 25 · income
+Rs 412,000
Uber Trip
may 24 · transport
−Rs 1,260
Dialog Postpaid
may 22 · utilities
−Rs 4,800
home
accounts
+
budgets
coach
home
net worth, cashflow, today.
Accounts
+ add
net worth
Rs 42.84 L
accounts · 11
7 types · 2 currencies
BANK
HNB Savings
· · · 4821
Rs 12.40 L
BANK
BOC Salary
· · · 9210
Rs 4.12 L
CREDIT
HNB Visa Platinum
· · · 8742
Rs 3.13 L
52% used
CREDIT
Sampath Mastercard
· · · 1209
Rs 1.56 L
44% used
INVESTMENT
CSE Portfolio
first capital
Rs 11.20 L
EPF
EPF Fund
central bank
Rs 12.80 L
ETF
ETF Fund
central bank
Rs 4.12 L
CASH
Petty Cash
wallet
Rs 86.7K
home
accounts
+
budgets
coach
accounts
seven types, one balance.
may
Budgets
‹ apr · jun ›
Food & Groceries
Rs 38.2K / Rs 50.0K
Transport · Fuel
Rs 14.6K / Rs 18.0K
Utilities
Rs 12.4K / Rs 14.0K
Entertainment
Rs 9.8K / Rs 8.0K
Subscriptions
Rs 5.0K / Rs 6.0K
Shopping
Rs 22.4K / Rs 30.0K
home
accounts
+
budgets
coach
budgets
limits that warn early.
coach
Ask, with sources.
Where did all my money go this month?
Dining ate 22% of your discretionary spend — Rs 38,400 across 14 visits. Three were over Rs 5k each.
12 transactions cited · BOC + HNB
How much can I move to the FD?
Roughly Rs 180,000 without dipping into your 3-month buffer. Want me to schedule the transfer?
home
accounts
+
budgets
coach
coach
ask, with sources cited.
07 / pipeline

four ways in. one clean ledger.

Bank emails, SMS alerts, iOS shortcut captures and uploaded statements all enter the same extraction pipeline.

Gmail
IMAP · hourly
Android SMS
webhook · realtime
iOS Shortcuts
on-device
PDF · CSV
statement upload
extraction
categorising
1,247 msgs · 96% conf
categorised transactions● 4 new
Keells Super · MOUNTgroceriesHNB Visa−Rs 8,420
Uber TriptransportHNB Visa−Rs 1,260
Salary · Acme PvtincomeBOC Savings+Rs 412,000
Dialog PostpaidutilitiesHNB Visa−Rs 4,800

Three Sri Lankan bank formats, four channels, one schema.
Duplicates caught before they ever reach the ledger.

08 / takeaway

what it taught me.

design

A long single-column read is a better case study than ten parallel screens. Editorial pacing earned the depth.

engineering

Three Sri Lankan bank formats, four channels, one schema. The extraction pipeline pays for itself by week two.

product

The dashboard is the only screen most people will ever open. So the dashboard had to be the entire app.

fin

track every rupee.
build real wealth.

Vault — case study · Shuhaib Samadh · Shuhaib Samadh