CashCove Personal Finance Platform

Overview

CashCove is a personal finance product for running a whole month of money in one place: transactions, bills, subscriptions, budgets, funds, loans, cashflow, reports, and the capture paths that feed them. Since the first version I rebuilt the web app on the Astryx design system, split the repo into a pnpm and Turborepo workspace, added an Android companion, and took the whole thing to a public launch.

Capture, review-first

The interesting problem is ingestion. A bank SMS, a Telegram forward, an email alert, a CSV export, and a PDF statement all describe the same thing badly and differently. They land in one pipeline: shared parsers in packages/shared run inside both Supabase edge functions and Netlify functions, a rules engine categorizes and routes what they produce, and everything arrives as a transaction draft with provenance — which source, which message, how confident the parse was.

Nothing posts to the ledger on its own. Drafts wait in a shared inbox the web app and the Android app both read, where they can be corrected, bulk-approved, snoozed, or dismissed while keeping their ingest history. Most of the work here was in the failure cases: card reversals reading as credits, prose merchants scoring as certain, available-limit figures being read as amounts, duplicate windows sized to what they actually detect.

The money model

Money movements are not all the same shape, so the model does not pretend they are. Accounts hold balances; loans are paid down against outstanding principal with their own schedules and rate revisions; funds progress toward a target; obligations cover standalone bills as well as the payments loans and funds generate. Transfers and card payments post as a pair and read as one row, so a card bill never double-counts as spend. Shared spend tracks who owes what and settles in a lump sum.

On top of that sits an insights engine that names patterns rather than restating totals — price creep on subscriptions, duplicate charges, the costliest day in the user's own timezone — plus a weekly digest email, a monthly recap, and push alerts with quiet hours.

The Android companion

apps/mobile is an Expo and React Native app, deliberately a capture surface rather than a second product. It reads bank SMS on the device, maps senders to accounts, drains its queue in the background, and pushes drafts to the same inbox the web app reviews. It ships as a signed APK from a release script that refuses to publish unless the signature, version, and backend all check out.

Delivery

The app's growth put most of the engineering weight on proving it still works. The database tests execute the schema against a real Postgres — RLS, balance triggers, settlement and draft RPCs, insight rules against golden fixtures. Above that: component and route suites per workspace tier with coverage floors CI enforces separately, thirteen Playwright journeys in a real browser, an axe sweep over every page and dialog, a bundle-size gate, edge functions deployed from CI when they change, and smoke checks against the deployed site afterward.