Solo build of a full consumer fintech product, AI-assisted from first commit to live.

The brief

Sohail wanted to ship a real consumer personal-finance product end-to-end — not a prototype, not an MVP that needed a second team to harden, but a live app he could put a paywall on and point real customers at. Solo engineer, AI-assisted, full ownership from the marketing site through the budgeting engine down to the database, billing, and security posture.

What I built

The full surface of mapyourfinance.com and the app behind it at app.mapyourfinance.com.

Plan where every penny goes. Zero-based monthly budgets with error checking that catches you when the numbers don’t reconcile. Income, expenses, savings, debts, and investments all tracked in one place. Overspending warnings as you go. Reports out to PDF or CSV when you need them on paper.

All your finances in one place. Unlimited accounts and unlimited transactions, with a live net-worth number rolled up across them. CSV import for transaction history from any bank.

Stay on track. A bills calendar that auto-populates from your recurring bills, overdue warnings when something slips, and a goals tracker with progress visualisation for the things you’re saving toward.

Budget your way. Unlimited custom categories and category groups. Six currencies (AUD, CAD, EUR, GBP, NZD, USD) with locale-aware date formatting throughout. Customisable profile, name, and picture.

Across every device. Responsive web app — desktop and tablet for setup and the monthly review, mobile for the everyday on-the-go check-ins. No native app required.

How it was built

AI pair-coding from the first commit. The honest version of what that bought:

• Faster floors. Auth forms, settings screens, CRUD scaffolding, layout primitives — generated, reviewed, kept. Hours of routine work compressed into minutes.
• Same ceilings. The budgeting data model, the monthly close-out UX, the import-and-categorise flow, the security architecture — those still required sitting with the problem. AI didn’t shortcut those. It freed up the time to do them properly.

The result is a product where one engineer carried the full stack — product, frontend, backend, infra, billing, security — at a pace that would have needed a small team without it.

Security and infrastructure

Because the product holds people’s whole financial picture, security was day-one work, not a phase-two retrofit:

• AES-256 encryption at rest, TLS in transit, end-to-end across the stack.
• Multifactor authentication on every login, with automatic sign-out on idle.
• Supabase Postgres as the backend-of-record, behind Supabase’s KMS for key management.
• Encrypted backups every 12 hours, automated.
• Cloudflare CDN in front for DDoS mitigation and edge caching.
• API rate limiting, login-activity monitoring, suspicious-behaviour blocking.
• Third-party penetration testing on a recurring schedule, plus automated vulnerability scanning.
• PCI handling delegated — card details never touch MapYourFinance servers; Stripe (PCI Level 1) and Shopify Checkout (PCI DSS) handle payment data.

Billing

Two rails, intentionally:

• Stripe runs the recurring Pro subscription — $8/month or $96/year — with the lifecycle handling (proration, dunning, cancellation) that recurring SaaS billing actually needs.
• Shopify Checkout runs the one-time lifetime deal — $249 from $599 — because a one-time digital-product sale wants a checkout, a license email, and a refund window, not a subscription engine.

What shipped

The product is live, multi-currency, marketed publicly, and selling on two billing rails. A single engineer carried it end-to-end, AI-assisted, with the security and infrastructure posture of a much larger team behind it.