A quieter view of your spending.

A privacy-first credit card expense tracker with smart NLP entry, multi-card billing cycle management, 6 color themes, and deep analytics — built entirely offline with no cloud dependencies.

See CardPulse in action with sample data

🔒 Your financial data never leaves your machine. No cloud. No API calls. No telemetry. Just you and your SQLite database.

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✨ Key Features

🧠 Smart Transaction Entry NLP Quick Add — type "enoc 200 fab card yesterday" and the offline parser extracts amount, category, card, date, and labels Manual Entry — full form with dropdowns for when you want control Self-Learning — correct a parse and it remembers for next time 91 pre-seeded keyword rules for popular merchants 💳 Multi-Card Management Track 5+ credit cards with real billing cycles Statement dates, due dates, credit limits Credit utilization tracking with color-coded thresholds Card aliases for NLP recognition 🏠 Smart Dashboard Per-card spending breakdown Payment ticker with due date countdowns Category & label donuts with click-to-drill Credit utilization overview 💚 Financial Health Card with 6-level mood face based on debt-to-income ratio 📊 Rich Analytics (7 tabs) Trends — overall, category, and label spending over time Compare — month-vs-month grouped bars and delta tables Monthly Drilldown — interactive donut charts Cycles — 3-cycle billing timeline per card Cards — per-card area charts and grouped bars EMIs — installment landscape view Budgets — budget vs. actual progress 🎨 Theme System 6 themes — Sage, Midnight, Cyberpunk, Molten, Mono, Terminal Dark + Light modes — 12 visual combinations CSS variable architecture with instant switching Flash-prevention for seamless page loads

📦 EMI Tracker Manage installment plans across cards Auto-generation prompts each billing cycle Progress tracking with completion dates EMI amounts reflected in card cycle estimates 🌱 Survival Summary EMI-page tab: monthly cost-of-living floor EMI burden + fixed costs combined into one number 18-month projection chart as installments roll off Closure schedule of when each EMI ends 🎯 Budget Management Set monthly budgets per category or subcategory Visual progress bars (🟢 green / 🟡 gold / 🔴 red) Dashboard strip + analytics tab 📥 Export Reports Styled XLSX with blue headers, green amounts, label summaries Month selector + currency conversion rate Professional formatting ready for sharing ⚙️ Full Settings Currency, date format, number format 6 color themes × 2 modes PIN security (enable/disable/change) Database backup & restore Keyword rules, labels, and categories management

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📸 Screenshots

🏠 Dashboard

The home view leads with a Financial Health Card that condenses your monthly commitments into a single survival figure, followed by the Monthly Hero and per-card breakdown.

More from Dashboard

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✏️ Transactions

Add by typing — the offline NLP parser extracts amount, category, card, date, and labels. Switch to manual entry whenever you want full control.

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💳 Cards

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📦 EMIs — Survival & Tracker

A two-tab page. Survival turns active installments and fixed costs into a monthly cost-of-living number and projects when each EMI rolls off. EMI Tracker manages the installments themselves.

More from EMIs

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📊 Analytics (7 tabs)

Seven views over the same dataset: long-term trends, month-vs-month comparison, monthly drilldown donuts, billing-cycle timelines, per-card bars, EMI distribution, and budget vs actual.

More from Analytics

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🎯 Budgets

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⚙️ Settings

Nine sections covering currency, fixed costs, appearance, security, cards, NLP keyword rules, labels, categories, and database export/import. Defaults are sensible; nothing leaves your machine.

More from Settings

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💚 Financial Health Card — close-up

A standalone view of the dashboard's signature card. Six mood faces map the ratio of monthly commitments to income, from Thriving to Underwater.

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🚀 Quick Start

Option 1: npm (requires Node.js)

# Clone the repository
git clone https://github.com/CmdShiftExecute/CardPulse.git
cd CardPulse

# Install dependencies
npm install

# Start the development server
npm run dev

Option 2: Docker (no Node.js required)

# Clone the repository
git clone https://github.com/CmdShiftExecute/CardPulse.git
cd CardPulse

# Build and run
docker build -t cardpulse .
docker run -p 3000:3000 -v $(pwd)/data:/app/data cardpulse

Open http://localhost:3000 — you'll be guided through PIN setup on first launch.

The -v flag mounts the data/ folder so your SQLite database persists across container restarts.

🎬 First Run

Step	What Happens
1️⃣	Database auto-created with categories, labels, keyword rules
2️⃣	Create your PIN (4–6 digits, bcrypt-hashed)
3️⃣	Dashboard loads — add your first transaction via Quick Add
4️⃣	Explore Analytics once you have a few transactions

💡 Tip: The PIN can be disabled from Settings > Security if you're running locally. See the Getting Started guide for details.

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📚 Documentation Portal

For detailed information, refer to the guides in the docs/ folder:

Document	Target Audience	Description
🚀 Getting Started	New Users	Installation, first run, PIN setup, your first transaction
🏠 Dashboard Guide	All Users	Every dashboard section explained with interactions
✏️ Transaction Entry	All Users	NLP quick-add, manual entry, learning, bulk operations
💳 Card Management	All Users	Credit cards, billing cycles, aliases, utilization
📦 EMI Tracker	All Users	Installment plans, auto-generation, progress tracking
📊 Analytics Deep Dive	All Users	All 7 analytics tabs in detail
🎯 Budgets	All Users	Setting and tracking monthly spending limits
⚙️ Settings Reference	All Users	All 8 settings sections (themes, currency, backup, etc.)
📥 Export Reports	All Users	XLSX export format and options
🏗️ Architecture Overview	Developers	Tech stack, DB schema, API routes, system design
🚢 Deployment Guide	Developers	Local dev, production, VPS, SQLite considerations
🌱 Survival Summary	All Users	Monthly cost-of-living floor + 18-month EMI closure projection
💚 Financial Health Card	All Users	Dashboard mood-face card based on debt-to-income ratio

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🛠️ Tech Stack

Layer	Technology	Purpose
Framework	Next.js 14 (App Router)	Full-stack React with API routes
Language	TypeScript (strict mode)	Type safety for financial data
Styling	Tailwind CSS 3.4	Utility-first with CSS variable themes
Database	SQLite via better-sqlite3	Zero config, local-first, single file
ORM	Drizzle ORM	Lightweight, type-safe, SQLite-native
Charts	Recharts	Composable React-native charting
NLP/Matching	Fuse.js + custom rules	Offline fuzzy matching, no LLM
Export	ExcelJS	Styled XLSX with formatting
Animations	Framer Motion	Subtle micro-interactions
Icons	Lucide React	Clean, consistent iconography
Fonts	Inter + JetBrains Mono	Via next/font/google

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📁 Project Structure

cardpulse/
├── 📂 src/app/                    # Pages + API routes
│   ├── dashboard/                 #   Main dashboard
│   ├── transactions/              #   Transaction list + entry
│   ├── cards/                     #   Card management
│   ├── emis/                      #   EMI tracker
│   ├── analytics/                 #   7-tab analytics
│   ├── budgets/                   #   Budget management
│   ├── settings/                  #   9-section settings (incl. Fixed Costs)
│   └── api/                       #   20 API endpoints
│
├── 📂 src/components/             # React components
│   ├── ui/                        #   Reusable primitives
│   ├── layout/                    #   Sidebar, header, ticker
│   ├── providers/                 #   Theme context
│   ├── dashboard/                 #   Dashboard sections
│   ├── analytics/                 #   Charts and insight cards
│   └── ...                        #   Cards, EMIs, budgets, etc.
│
├── 📂 src/lib/                    # Core logic
│   ├── db/                        #   Schema, seed, queries
│   ├── nlp/                       #   4-stage NLP parser
│   ├── export/                    #   XLSX generator
│   ├── format.ts                  #   Currency/date formatting
│   ├── cycle-utils.ts             #   Billing cycle math
│   └── chart-utils.ts             #   Shared chart helpers
│
├── 📂 docs/                       # Documentation (13 guides)
├── 📂 data/                       # SQLite database (gitignored)
└── 📂 drizzle/                    # Generated migrations

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⚙️ Configuration

Environment Variables

Variable	Default	Description
DB_PATH	./data/cardpulse.db	Path to the SQLite database file

Set in .env.local:

DB_PATH=./data/cardpulse.db

No other environment variables needed. No API keys, no cloud services.

Application Settings

All settings are configurable from the Settings page:

Setting	Default	Options
Currency	USD	USD, EUR, GBP, INR, AED, SAR, ... (or any custom 3-letter code)
Household Income (monthly)	—	Optional number used by the Financial Health Card to compute commitment ratio
Date Format	DD/MM	DD/MM, MM/DD
Number Format	1,234.56	comma_period, period_comma
Theme	Sage	Sage, Midnight, Cyberpunk, Molten, Mono, Terminal
Color Mode	Dark	Dark, Light
PIN	Enabled	Enable/Disable/Change

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📊 At a Glance

Metric	Count
📄 Pages	9 (Dashboard, Transactions, Cards, EMIs, Analytics, Budgets, Settings, Lock, Setup)
🔌 API Routes	20 (CRUD + analytics + exports + NLP + auth + settings + fixed-costs)
🧩 Components	70+ (UI primitives, page sections, charts, forms)
🗄️ DB Tables	12 (cards, transactions, categories, subcategories, labels, keyword_rules, emis, budgets, settings, cycle_payments, transaction_labels, fixed_costs)
🔍 Keyword Rules	91 pre-seeded (popular merchants, banks, services)
🏷️ Labels	25 system labels + unlimited custom
📂 Categories	11 main → 68 subcategories
🎨 Themes	6 themes × 2 modes = 12 combinations

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🤝 Contributing

CardPulse is a personal project built as a portfolio piece. Contributions, suggestions, and bug reports are welcome! Feel free to open an issue or submit a pull request.

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📄 License

This project is licensed under the MIT License — see the LICENSE file for details.

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CardPulse v2.1 — fueled by ☕ and a healthy fear of 💳 statements.