P

personal-finance

BalanceForward is an open source deterministic financing specification that helps businesses design sustainable debt-refinancing solutions based on a borrower's income, cost of living, repayment capacity, qualifying debt, and collateral. With a fixed 5% interest rate, maximum 50% collateral advance rate, and 20-year maximum term, BalanceForward provides a modular framework for predictable, transparent, and borrower-centered financing. https://roxanneardary.com/balanceforward/

Internal Credit is an AI-powered, modular financial platform that enables users to borrow against their own savings while continuing to earn returns on their deposited capital. Designed around self-collateralized lending, the platform allows account holders to access up to 70% of their account value, receive AI-guided financial insights, and preserve long-term wealth through a flexible, secure, and extensible banking architecture. https://roxanneardary.com/internal-credit/

Orvian is an AI-driven personal financial operating system that organizes money into intelligent, rule-based envelopes layered over existing bank accounts. It automates allocation across spending, savings, goals, and tax obligations while maintaining a non-custodial, ledger-based architecture. With built-in goal tracking, time-locked financial structures, and a governed tax envelope system, Orvian turns income into a structured, transparent, and AI-optimized financial flow. https://roxanneardary.com/orvian/

LatticePay is an open-source, AGPL 3.0+ licensed payment infrastructure designed to enable secure, encrypted, and local-first commerce without surveillance or centralized control. It allows merchants and developers to accept and process payments through a modular, privacy-preserving protocol stack that supports offline operation, peer-to-peer networking, and pluggable payment rails. The system is built to ensure merchants retain full ownership of their transaction data while maintaining compatibility with modern financial systems. https://roxanneardary.com/latticepay/

Nest Intelligence is an open source AI-powered home affordability platform that helps individuals understand what they can truly afford before purchasing a home. By analyzing income, assets, expenses, transportation costs, local housing data, property taxes, utilities, and lifestyle factors, Nest Intelligence provides a complete financial picture for sustainable homeownership. Built with a modular AGPL-3.0+ architecture, it delivers transparent, privacy-focused affordability guidance without relying on credit score inquiries. https://roxanneardary.com/nest-intelligence/

Shoebox+ is an open-source AI-powered platform designed to help users maximize the benefits of their Health Savings Accounts (HSAs). It combines receipt tracking, IRS compliance monitoring, investment optimization, and financial institution recommendations to ensure users make the most of their contributions while minimizing taxes. Shoebox+ empowers users to implement the “shoebox strategy”, letting HSA funds grow tax-free and be reimbursed at any time. https://roxanneardary.com/shoebox/

เว็บแอปวางแผนสินเชื่อบ้าน คำนวณตารางผ่อนชำระ ระบุวันปิดหนี้ รองรับการปรับดอกเบี้ย โป๊ะเงินต้น และ Grace Period

Slimme huishoudboekje-app met AI-gestuurde categorisering. Importeer je ING/Revolut transacties, krijg automatisch inzicht in je uitgaven en beheer je budget met NIBUD-referenties. Privacy-first: alle ML draait lokaal.

Volledige ge amp/vibe coded met Claude Code!

PiggyBank is a household financial appliance.