Projects

Personal finance dashboard

One view of money that lives in two countries.

In daily use Personal project 2026

I couldn't find a tool that showed my UK and US finances in one place, so I made one with Claude.

My job is understanding what people need and why existing products fall short. This time the person was me.

With some tinkering I've made a personal finance dashboard that replaces my old apps-and-spreadsheet routine. I can actually see my transactions and balances across banks, investments and loans, across countries and currencies. I use it every day.

I've evolved it to answer the questions I actually ask:

What's my financial position right now?
How has it changed, and why?
Where is my money actually going?
Can I stop working?

The Home screen: net worth, assets and liabilities, a one-month trend line, and a breakdown of how much of the month's change came from saving and how much from markets. — Home: net worth, the trend, and what moved it this month. All screenshots use invented sample data.

Most tools assume (fairly) a single country

I'm split between the UK and the US. So I've got current (checking? chequing?) accounts in GBP and USD, a workplace pension in pounds, the equivalent in dollars, loans scattered about, and so on.

US net worth trackers like Empower (or Personal Capital, or whatever they call themselves now) are excellent at portfolio breakdowns and asset allocation, but can't see UK accounts. UK apps can be excellent at spending and budgeting, but mostly make you pay. And in my experience they don't offer much insight into money outside the UK either.

So the most basic question, "what am I worth?", meant reconciling different apps and statements in a spreadsheet. Which was fine.

What I built

A private web app that runs on my own laptop. It connects to my accounts through bank APIs.

Net worth

A high-level number is cool enough, but it also shows what the markets did, so a good month and a lucky month look different.

What I actually own

Every fund is broken down into US stocks, international stocks, bonds and cash, across both countries. Will I actually make any adjustments based on this? TBD.

The Investments screen: a treemap of allocation across every account, split into US stocks, international stocks, bonds, cash in each currency, and an unclassified slice. — Investments: allocation across every account, with the unclassified slice left visible.

Where the money goes

Transactions from both countries are reconciled into one set of categories. Monzo and Plaid bring them in securely over their APIs.

Monthly budgets show what's on track and what's over. Subscriptions are detected automatically.

The Cash flow screen: income, spending, savings and savings rate for a month, six months of income against spending, and spending by category. — Cash flow: income, spending and savings rate for a month.

The Recurring screen: the monthly total of detected regular payments, a list of what's coming up with dates and amounts, and payments that may have stopped. — Recurring: detected subscriptions, with what's due next.

When could I stop?

A retirement planner models UK and US retirement accounts separately, because they unlock at different ages. It answers the question I mostly care about: when can I stop working, or at least stop saving? Probably never, but it's cool to imagine.

The Retirement screen: coast age, earliest retirement and spending headroom, with a projection chart split into UK pension, US retirement and accessible money, and a table of balances at key ages. — Retirement: coast age, earliest retirement and the projection by account type.

Questions about it, or something similar you're working on?

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