Enough

Enough is a personal finance dashboard for people who want private, automated money visibility without paying for another budgeting subscription. It is forked from Actual Budget and extended with Plaid bank sync, local AI, and a redesigned dashboard built around the 30-30-40 rule.

Manage Your Money Like The 1%

Enough starts with a simple operating system for your money: split income into 30% Fixed, 30% Fun, and 40% Future Me. The dashboard turns that rule into live targets, actual spending, over/under status, net worth, top categories, accounts, transactions to review, and recurring bills.

It is designed to run locally and stay cheap:

• Completely free for local personal use — run the web app and sync server from this repository with no Enough subscription, hosting bill, or managed cloud service.
• Plaid Trial friendly — connect bank data through Plaid's Trial plan when eligible, while treating each production Item as a limited slot.
• Local-first by default — budget data lives in SQLite on your machine unless you choose to expose or host the server.
• AI where it is useful right now — the dashboard includes a local Savings advisor powered by Ollama/qwen3:8b by default, and transactions can get AI category suggestions from rules, Plaid metadata, history, and Ollama.
• Built for repeated money work — review uncategorized transactions, watch spending drift, and adjust allocations without leaving the dashboard.

AI Capabilities Available Now

• Savings advisor: computes aggregate monthly metrics locally and supports natural-language questions about spending, budget variance, allocation targets, category totals, and monthly review.
• AI categorization suggestions: reviews uncategorized transactions and proposes categories using existing rules, Plaid categories, payee history, and local Ollama fallback. Suggestions can be accepted, rejected, or turned into a rule.
• Privacy-shaped prompting: the advisor is built around computed aggregate metrics rather than handing an AI model unrestricted access to raw account identifiers or transaction detail.

Cost Model

Enough is intended to be completely free to run for personal local use:

• The app runs locally from this repository, and the server can be served from your own machine at http://localhost:5006.
• Your budget data stays in local SQLite files unless you choose to expose or host the server elsewhere.
• There is no Enough subscription, hosted service, or required paid infrastructure when you run it locally.
• Plaid bank sync can use the Plaid Trial plan, which currently provides free access to Plaid production APIs for eligible US/Canada developers.

Plaid Trial is free, but not unlimited. It currently allows up to 10 production Items, and API calls are unlimited only for Items you have already connected. Plaid also says /item/remove is not supported on Trial, so treat each production bank connection as a limited slot. If you need more Items or products outside the Trial plan, you will need a paid Plaid Production account.

Quick Start

Requires Node.js ≥ 22 and Yarn ^4.9.1.

# 1. Copy env template and fill in your Plaid credentials
cp .env.example .env

# 2. Check prerequisites
yarn personal:doctor

# 3. Install dependencies (first time)
yarn personal:setup

# 4. Start the app
yarn personal:start

yarn personal:start launches the sync server on http://localhost:5006 and the web app on http://localhost:3001/login.

When prompted for a server URL, enter http://localhost:5006.

Which URL should I use?

• http://localhost:5006 is the backend/server URL. It owns /health, API/sync routes, and in the always-on launchd setup it also serves the built app. For normal personal use, open http://localhost:5006/budget.
• http://localhost:3001 is the Vite frontend development server. It is useful when actively developing UI code, but it is not required for daily use and it does not have /health.
• yarn start starts only the frontend development server on port 3001; it expects the backend on 5006 to already be running separately.
• yarn personal:start starts both dev servers only when both ports are free. If one or both ports are already occupied, it will not start duplicate servers.

Environment

Key	Description
PLAID_CLIENT_ID	Your Plaid app client ID
PLAID_SECRET	Plaid secret for the target environment
PLAID_ENV	sandbox, development, or production

See .env.example for all available options.

Always-on via macOS launchd (optional)

Instead of running yarn personal:start every time, you can register the production server as a macOS login item. It starts silently on login, restarts on crash, and serves the app at http://localhost:5006 — no terminal window needed.

One-time build (run once, and again after pulling updates):

yarn workspace @actual-app/sync-server build
yarn build:browser

Create the plist at ~/Library/LaunchAgents/com.enough.budget.plist:

<?xml version="1.0" encoding="UTF-8"?>
<!DOCTYPE plist PUBLIC "-//Apple//DTD PLIST 1.0//EN"
  "http://www.apple.com/DTDs/PropertyList-1.0.dtd">
<plist version="1.0">
<dict>
  <key>Label</key>
  <string>com.enough.budget</string>

  <key>ProgramArguments</key>
  <array>
    <string>/opt/homebrew/bin/node</string>
    <string>/ABSOLUTE/PATH/TO/enough/packages/sync-server/build/app.js</string>
  </array>

  <key>EnvironmentVariables</key>
  <dict>
    <key>NODE_ENV</key>        <string>production</string>
    <key>PLAID_CLIENT_ID</key> <string>YOUR_PLAID_CLIENT_ID</string>
    <key>PLAID_SECRET</key>    <string>YOUR_PLAID_SECRET</string>
    <key>PLAID_ENV</key>       <string>production</string>
  </dict>

  <key>RunAtLoad</key>  <true/>
  <key>KeepAlive</key>  <true/>
  <key>ThrottleInterval</key> <integer>10</integer>

  <key>StandardOutPath</key> <string>/tmp/enough-server.log</string>
  <key>StandardErrorPath</key> <string>/tmp/enough-server.err</string>
</dict>
</plist>

Replace /ABSOLUTE/PATH/TO/enough with the real path (e.g. $(pwd) from the repo root).

Security note: The plist stores your Plaid credentials in plaintext. Lock it down:

chmod 600 ~/Library/LaunchAgents/com.enough.budget.plist

Never commit or share this file.

Load it:

plutil ~/Library/LaunchAgents/com.enough.budget.plist   # validate
launchctl bootstrap gui/$(id -u) ~/Library/LaunchAgents/com.enough.budget.plist

Verify:

curl http://localhost:5006/health   # should return {"status":"UP"}

Day-to-day commands:

# View logs
tail -f /tmp/enough-server.log

# Stop / start manually
launchctl stop  com.enough.budget
launchctl start com.enough.budget

# After pulling updates and rebuilding
launchctl kickstart -k gui/$(id -u)/com.enough.budget

# Remove the daemon entirely
launchctl bootout gui/$(id -u)/com.enough.budget
rm ~/Library/LaunchAgents/com.enough.budget.plist

Development

yarn typecheck     # TypeScript check across all packages
yarn lint:fix      # Lint + format with auto-fix
yarn test          # Unit tests (all packages via lage)
yarn start         # Frontend dev server only (port 3001); backend 5006 must already be running

All yarn commands must run from the repository root.

Tech Stack

Layer	Tech
UI	React + TypeScript, Emotion CSS
Build	Vite, Yarn 4 workspaces, lage
Storage	SQLite via better-sqlite3
Sync	Custom CRDT sync server (Express)
Bank data	Plaid API

Notes

• Do not commit .env, .chrome-actual-profile/, or packages/sync-server/user-files/ — all contain personal data or credentials.
• Use real Chrome (not an embedded browser) for local testing — the app requires SharedArrayBuffer headers that embedded browsers may not support.
• Each person running this needs their own Plaid app and .env. Do not share credentials or budget databases.

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Upstream: actualbudget/actual · License: MIT