Ledgerly

AI-Powered Personal Finance Management Platform

📖 Overview

Ledgerly is a modern, AI-powered financial management application that helps users track income and expenses, manage budgets, and gain actionable insights through a clean and intuitive interface. It supports smart transaction categorization, recurring payments, and real-time financial analytics to provide clear visibility into spending patterns, while AI-driven receipt scanning automates data entry and reduces manual effort.

⭐ Key Features

💰 Transaction Management

• Multi-account support with detailed transaction history
• Real-time balance tracking and transaction flows
• Advanced filtering and bulk operations

📊 Budget Management & Insights

• Set monthly category budgets with alerts
• AI-generated financial insights (monthly)
• Automated email reports with analytics

🧾 Intelligent Receipt Scanning

• Upload receipts and auto-extract transaction details
• Google Gemini 2.5 Flash vision model
• Smart categorization with form auto-population

🔄 Automation

• Automatic recurring transaction detection
• Scheduled background jobs with Inngest
• Monthly cron jobs for reports and alerts

🔐 Security

• ArcJet protection (bot detection, DDoS shield)
• Clerk authentication (OAuth, email/password, MFA)
• Rate limiting (10 req/hour per user)

🛠️ Tech Stack

Frontend & Framework

• Next.js - React 19 with App Router
• React 19 - Modern UI with automatic batching and transitions
• TailwindCSS - Utility-first CSS framework
• Radix UI - Unstyled, accessible component primitives

Backend & Data

• PostgreSQL - Relational database with advanced features
• Prisma ORM - Type-safe ORM with auto-generated migrations
• Node.js - Runtime environment

AI & Vision

• Google Generative AI - Gemini 2.5 Flash for receipt scanning and insights
• Vision API Integration - Advanced image analysis and data extraction

Authentication & Security

• Clerk - Complete authentication platform (OAuth, email/password, MFA)
• ArcJet - Bot detection, rate limiting, DDoS shield

Automation & Jobs

• Inngest - Background job scheduling and orchestration
• Cron Functions - Scheduled tasks for reports and recurring transactions

Email & Notifications

• Resend - Email delivery service
• React Email - JSX-based email templates

🚀 Quick Start

Prerequisites

• Node.js 18+ and npm/yarn
• PostgreSQL database
• API Keys:
  • Google Generative AI key: (https://aistudio.google.com/apikey)
  • Clerk keys: (https://dashboard.clerk.com)
  • Resend API key: (https://resend.com)
  • ArcJet key: (https://arcjet.com)

Installation

git clone <repository-url>
cd ai-finance-platform

npm install

cp .env.example .env.local

npx prisma migrate dev

npm run dev

The application will be available at http://localhost:3000

🔑 Environment Variables

Create a .env.local file with the following variables:

# Database
DATABASE_URL="postgresql://user:password@localhost:5432/ledgerly"
DIRECT_URL="postgresql://user:password@localhost:5432/ledgerly"

# Clerk Authentication
NEXT_PUBLIC_CLERK_PUBLISHABLE_KEY="pk_test_..."
CLERK_SECRET_KEY="sk_test_..."
NEXT_PUBLIC_CLERK_SIGN_IN_URL="/sign-in"
NEXT_PUBLIC_CLERK_SIGN_UP_URL="/sign-up"
NEXT_PUBLIC_CLERK_AFTER_SIGN_IN_URL="/"
NEXT_PUBLIC_CLERK_AFTER_SIGN_UP_URL="/"

# Google Generative AI
GEMINI_API_KEY="your_gemini_api_key_here"

# Resend Email Service
RESEND_API_KEY="your_resend_api_key_here"

# ArcJet Security
ARCJET_KEY="your_arcjet_key_here"

# Inngest Background Jobs
INNGEST_EVENT_KEY="your_inngest_event_key_here"
INNGEST_SIGNING_KEY="your_inngest_signing_key_here"

📁 Project Structure

ledgerly/
├── app/                          # Next.js App Router
│   ├── (auth)/                   # Authentication pages (sign-in, sign-up)
│   ├── (main)/                   # Main app pages (dashboard, accounts, transactions)
│   ├── api/                      # API routes
│   ├── lib/                      # Application schema
│   ├── layout.js                 # Root layout
│   ├── page.js                   # Landing page
│
├── actions/                      # Server actions
│
├── components/                   # Reusable UI components
│   ├── ui/                       # Radix UI + Tailwind 
│
├── lib/                          # Core utilities & services
│
├── hooks/                        # Custom React hooks
│
├── prisma/                       # Database
│
├── emails/                       # Email templates
│
├── data/                         # Static data
│
├── public/                       # Static assets
│
├── package.json
├── configuration files
├── .env.local                    # Environment variables
└── README.md

📚 Support & Resources

• Documentation: See inline code comments and JSDoc annotations
• Clerk Docs: https://clerk.com/docs
• Google Gemini API: https://ai.google.dev/gemini-api
• Prisma Docs: https://www.prisma.io/docs
• Inngest Docs: https://www.inngest.com/docs
• Next.js Docs: https://nextjs.org/docs

📄 License

This project is licensed under the MIT License

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Built with ❤️ for better financial management