Introduction

FFFFinance is a local-first personal finance app built specifically for New Zealand. Also available as a web app at me.ffffinance.org — sign in with Google, sync your Akahu accounts.

Think of it as a mini-Xero for your household — not a business tool, but a personal one. Your money, your data, your machine.

What it does

Feature	Description
Bank sync	Connect ANZ, ASB, BNZ, Kiwibank, Westpac via Akahu open banking
Transaction coding	Categorise transactions manually or let the AI auto-classify them
Budgets	Monthly budget targets vs actuals by category
Net worth	Assets + investments minus liabilities, tracked over time
Cashflow	Income vs expenses with trend forecasting
Tax	NZ income tax, GST (15%), provisional tax dates
AI assistant	"Freddy" — ask questions, get insights, categorise receipts via photo
Charts	8 chart types: Sankey, Scatter 3D, Heatmap, Radar, Bump, Funnel, Rose/Pie, Graph

Design philosophy

• Local-first — your data lives in SQLite on your machine, never in a third-party cloud by default
• NZ-specific — GST at 15%, provisional tax dates, Kiwibank/Westpac support
• Privacy — no analytics, no telemetry, no subscriptions
• Fast — sub-second queries against local SQLite, AI runs on-device (GPU auto-detected)

What it is NOT

• Not a business accounting tool
• Not a multi-user / shared household app
• Not a budgeting SaaS with a subscription

Tech stack

The app is built with:

• Electron 35 (desktop shell) — Linux, Windows, macOS
• Cloudflare Pages + Workers (web app at me.ffffinance.org)
• Capacitor (mobile, planned) — iOS + Android
• React 18 + TypeScript + Vite (renderer)
• SQLite via better-sqlite3 (local database)
• Cloudflare D1 (optional cloud sync + web app backend)
• node-llama-cpp (local LLM, GPU auto-detected)
• @huggingface/transformers (vision + embeddings)

If you just want to get started, jump to Installation then Akahu Setup.