First I want to thank
jayce for designing this ANN above for me.
Now my own comments about this app:
>
What the hell is thisThis is an app I started coding in November 2025. It is an app to track your assets, income, expenses, receivables, debts; analyze your financial situation, stocks and your future itself.
It is the combination of roughly 20 separate apps and these small apps talk to each other and create (even more) meaningful output.
This is the mental model which I use to track and manage my own investments exported into a single app. It is a brain export. (and it is not done, not even close) I use this to manage my assets as well as to pick stocks. Calculate my cash-flow and make financial decisions based on my liquidity.
Have I coded this madness myself? Hell no. I created this using Chatgpt. Yes, no shame in that. I used the shit out of it. Millions of tokens went into this thing.
Is it free? Yes currently it is free to use. (except for the AI usage) All you need to do is create an account and enjoy. I will have to expand featureset for paid users eventually but currently everything is free. You only pay for quality of life features (like instant calculations instead of joining a queue) but they are optional. (I use a self-hosted
Btc-pay server for in app credit purchases)
One beauty of this app is that if you happen to purchase your assets using a non-USD currency (like GBP, EUR or even TRY),
everything gets normalized to USD. That's something I usually don't find available in other portfolio tracking apps.
Currently there is S&P500 stocks available but If I happen to find a reliable API provider, I might add other markets as well but I don't think people are much interested in those non-US stocks anyway.
Anyway, here is the (current) complete list of features:
Moonrust Personal Finance OSMoonrust is a personal finance operating system built around accuracy, transparency, and long-term decision-making. It combines portfolio tracking, macro-aware analytics, automation, and optional AI assistance while remaining fully non-custodial and user-controlled.
Core Portfolio Tracking- Multi-asset support:
- Stocks (US markets only for now)
- ETFs (US markets only for now)
- Crypto
- Cash (multi-currency)
- Bonds Eurobonds
- Metals
- Market-aware symbol handling (supports identical tickers across exchanges)
- FX-correct valuation with historical FX lookup
- Corporate-action-aware position math (splits, dividends, adjustments)
- Temporal oversell prevention (no sell-before-buy allowed)
- Manual transactions supported (strictly user-scoped)
Performance & Analytics- Flow-neutral performance analytics (cashflow-aware):
- Time-Weighted Return (TWR)
- CAGR
- Performance metrics gated unless deposits/withdrawals are correctly tagged
- Cash-adjusted NAV calculations
- Yield-on-cost and trailing yield metrics
- Net worth timeline with snapshot rebuilds
- CPI-adjusted (real) analytics:
- Nominal vs CPI-adjusted NAV toggle
- Real total return and real CAGR (shown only when performance semantics are valid)
- US CPI step/hold inflation adjustment
- Portfolio health metrics:
- Allocation balance
- Leverage & buffer ratios
- Liquidity optionality indicators
- Inflation drag vs income yield
- Sector → industry → holding diversification flow analysis
- Realized vs unrealized P/L separation
- Stock Analyzer with manual fundamentals snapshots, AI paste normalization, FX-normalized analysis currency, quality/valuation scoring, and implied-growth expectations
Debt, Cashflow & Planning- Income and expense tracking
- Receivables and debts with schedules, due dates, and status tracking
- Debt benchmarking vs policy rates:
- Effective APR vs central-bank policy rate
- Rating at origination and vs current macro conditions
- Supported currencies: TRY USD EUR GBP
- Automated Telegram reminders for debts and receivables
- Cashflow summaries with projections
- Cashflow Engineering simulator (installment float + cashback carry)
- FIRE and net-worth simulators
Benchmarks & Macro Context- Built-in benchmark time series:
- Fed ECB BoE TCMB policy rates
- US CPI
- VIX
- Macro data integrated directly into:
- Analytics timeline
- Portfolio health signals
- Debt evaluation
- Benchmarks are treated strictly as context not performance claims
Automation & Background Jobs- Background job queue with:
- Free and priority (paid) lanes
- Credit-based execution
- Admin-configurable pricing rules
- Snapshot rebuilds
- Bulk transaction imports
- Full data exports
- Bond coupon recalculations
- Queue throttling, deduplication, and provider-aware pacing
Notifications & Integrations- Webhook-based delivery (production)
- User-scoped daily notification caps
- Debt receivable reminders
- Job completion notifications
- BTCPay Server integration:
- BTC payments for in-app credit top-ups
- Idempotent webhook handling
- Ledger-safe credit application
- System health panel showing:
- Server status and uptime
- Database latency
- Market data freshness
- Telegram & BTCPay reachability
- Build version and environment
AI Copilot (Optional)- Portfolio-aware AI assistant (opt-in)
- Uses live portfolio, cashflow, debt, and analytics context
- Context size
- Snapshot detail level
- Maximum reply tokens
- Credit-based usage (no subscriptions)
- Server-side cost estimation
- Volatility-buffered pricing
- Automatic reconciliation and refunds when actual usage is lower
- Multiple model support with per-model pricing multipliers
- AI is analysis-only never execution authority
Security, Ops & Architecture- Non-custodial by design (no brokerage access required)
- User-scoped data isolation
- TOTP-based 2FA with backup codes
- Step-up verification for sensitive actions
- Webhook endpoints isolated from auth middleware
- Explicit UTC backend with user-configurable local timezones
- Provider-level API throttling and usage tracking
- No client-side pricing authority server is the source of truth
Philosophy- Designed for long-term investors, not traders
- Accuracy over speed
- Context over raw numbers
- Transparency over black boxes
- Optional automation never forced
- Built as a financial lens, not a broker replacement
And here is a screenshot from the app, in moon mode:
I can't promise you that this app is going to make you rich but I can assure you that it will direct you to make smarter financial decisions.
