Bud

Personal finance app — connect banks via Plaid, then answer where does my money go? through transactions, flex budgeting, credit cards, and net worth.

Stack: TanStack Start · Convex · Clerk · Plaid · Tailwind + shadcn

Quick start

pnpm install
pnpm dev          # Vite on :3000
npx convex dev    # keep running for backend sync

Required setup

1. Clerk ↔ Convex JWT

In the Clerk dashboard → JWT Templates → New template → Convex.

Set Convex env (already set for this project's dev deployment if you used the agent):

npx convex env set CLERK_JWT_ISSUER_DOMAIN https://YOUR_INSTANCE.clerk.accounts.dev

Local .env.local needs:

VITE_CLERK_PUBLISHABLE_KEY=pk_test_...
CLERK_SECRET_KEY=sk_test_...
VITE_CONVEX_URL=https://….convex.cloud
VITE_CONVEX_SITE_URL=https://….convex.site

2. Plaid (sandbox)

1. Create a Plaid sandbox app.
2. Set Convex env vars (not Vite — Plaid secrets stay server-side):

npx convex env set PLAID_CLIENT_ID ...
npx convex env set PLAID_SECRET ...
npx convex env set PLAID_ENV sandbox

3. Optional webhook URL (auto-derived from CONVEX_SITE_URL):
   https://YOUR_DEPLOYMENT.convex.site/plaid/webhook

App routes

Route	Purpose
/	Landing page; redirects to /app when signed in
/app	Dashboard — net worth, pace, cards due, recent txs
/app/transactions	Filterable table + category learning loop
/app/budget	Fixed / flex / non-monthly budgets
/app/accounts	Plaid Link, sync, card utilization
/app/net-worth	Chart + manual assets
/app/investments	Holdings (when institution supports)
/app/cash-flow	Income vs expenses this month
/app/settings/categories	Category tree
/app/settings/rules	Categorization rules

Four landing designs live behind ?d=1–?d=4 with an on-page switcher, which also lets you review them while signed in. Signed out, / shows design 1.

Scripts

pnpm dev
pnpm build
pnpm generate-routes
pnpm lint
pnpm format

See plans/init.md for the full product plan and later phases (recurring detection, Sankey, CSV export, webhook JWT verification).