D4RK Budgeting

Command Your Cash Flow, Credit Card Debt & AI Savings.

Link your bank accounts & credit cards via SimpleFIN Bridge and let OpenRouter Free AI models categorize your spending and uncover hidden savings.

🏦
SimpleFIN Bridge v2 Sync
Exchange a single-use Setup Token for encrypted bank & credit card syncing.
🤖
OpenRouter Free AI Engine
Powered by nemotron-3.5-super-vl:free, nemotron-3-ultra-550b-a55b:free, and gemma-4-31b-it:free.
💳
Credit Card & Debt Payoff Simulator
Track APRs, credit utilization, and compare Debt Avalanche vs. Snowball payoff curves.
📱
Unified REST API + Mobile App
Full JSON API powering both this Web Platform and the companion Mobile App.

Production Node: https://budget.darkprotocol.dev • Local SQLite + SimpleFIN v2

Financial Command Center

SimpleFIN Bridge v2 Connected • All accounts synced

Net Worth

$0.00

$0 Assets • $0 Debt

30-Day Spending

$0.00

vs $0.00 monthly budget

30-Day Income & Net

$0.00

0% savings rate

Credit Card & Loan Debt

$0.00

0% Credit Card Utilization

📈 6-Month Cash Flow (Income vs. Spending)

Live Telemetry

🍩 Spending by Category

$0.00 Total

🔥 30-Day Spending Burn Rate vs. Ideal Pace

Daily Cumulative

🎯 Category Budgets & Alerts

🏦 Linked SimpleFIN Accounts & Cards

💡 Top Ways You Can Save Money (AI)

🤖 OpenRouter AI Auto-Categorizer

Automatically classify uncategorized SimpleFIN bank & credit card transactions and learn merchant rules using your selected free OpenRouter model.

Merchant / Description	Date	Account	Category	AI Source	Amount

Total Tracked Debt

$0.00

Across credit cards & loans

Credit Card Utilization

Keep below 30% (10% ideal for FICO)

Monthly Interest Bleed

$0.00/mo

Min payments: $0/mo

Avalanche Interest Saved

$0.00

Debt-free 0 months faster

⚡ Interactive Debt Payoff Simulator

Avalanche vs. Snowball

Adjust your extra monthly payment above minimum payments to compare Debt Avalanche (highest APR first) vs. Debt Snowball (lowest balance first).

Extra Monthly Debt Payment $350/mo

$0/mo (Minimums Only) $1,000/mo $2,000/mo

📉 24-Month Debt Payoff Trajectory

Principal Reduction

💳 Linked Credit Cards & Debt Accounts

OpenRouter Free AI Savings Engine

Potential Savings Identified: $0.00/mo ($0/yr)

AI analyzes your recurring subscriptions, high-APR credit card interest, and category overruns to surface concrete money-saving steps.

💡 Actionable Ways to Save Money

🔁 Detected Recurring Subscriptions & Bills

$0.00/mo

🤖 Ask Your OpenRouter AI Financial Coach

nemotron-3.5-super-vl:free

Ask about paying off your Chase/Amex/Citi cards faster, cutting monthly expenses, or building a savings plan.

Hello! I'm your D4RK Financial Coach powered by OpenRouter AI. I have live visibility into your linked SimpleFIN bank accounts, credit card APRs, and spending categories. How can we optimize your money today?

🏦 SimpleFIN Bridge Bank & Credit Card Connection

Protocol v2

SimpleFIN Bridge connects to over 12,000+ banks and credit card issuers without sharing your bank login credentials with D4RK Budgeting.

Generate a single-use Setup Token from beta-bridge.simplefin.org.
Paste the Base64 Setup Token (or an existing SimpleFIN Access URL) below.
Our API decodes the Claim URL, performs the one-time POST claim, and syncs your accounts & transactions via /accounts?version=2.

Active SimpleFIN Connections

🤖 OpenRouter Free AI Configuration

Configured

Configure your OpenRouter API key and choose your preferred free model for transaction auto-categorization, savings discovery, and financial coaching.

🗄️ Local SQLite Database Storage (`data/d4rk_budget.sqlite`)

SQLite 3 • WAL Mode ⬇️ Download .sqlite Backup

All users, SimpleFIN tokens, bank accounts, credit card debts, transactions, merchant rules, and AI insights are stored locally in your SQLite database file.

D4 D4RK Mobile

● Live API

📱 Native Mobile App (React Native / Expo) + Production Deployment

https://budget.darkprotocol.dev

Your workspace includes a dedicated React Native (Expo) mobile app inside the mobile/ directory configured for https://budget.darkprotocol.dev, plus a systemd service and ./deploy.sh script for one-command server updates.

# 1. Deploy / Update Production Server (budget.darkprotocol.dev)
./deploy.sh
# 2. Launch the React Native / Expo Mobile App
cd mobile && npm install && npx expo start

🔌 REST API Endpoints for Mobile & Web Clients

Bearer Auth + JSON

POST /api/auth/login • POST /api/auth/register • POST /api/auth/logout

GET /api/dashboard — Full mobile & web state (accounts, transactions, charts, AI insights)

POST /api/simplefin/claim & POST /api/simplefin/sync — SimpleFIN Bridge v2 sync

GET /api/debts/strategy?extraPayment=350 — Credit card Avalanche vs. Snowball simulator

POST /api/ai/categorize • POST /api/ai/savings-insights • POST /api/ai/chat

Command Your Cash Flow, Credit Card Debt & AI Savings.

Financial Command Center

📈 6-Month Cash Flow (Income vs. Spending)

🍩 Spending by Category

🔥 30-Day Spending Burn Rate vs. Ideal Pace

🎯 Category Budgets & Alerts

🏦 Linked SimpleFIN Accounts & Cards

💡 Top Ways You Can Save Money (AI)

🤖 OpenRouter AI Auto-Categorizer

⚡ Interactive Debt Payoff Simulator

📉 24-Month Debt Payoff Trajectory

💳 Linked Credit Cards & Debt Accounts

Potential Savings Identified: $0.00/mo ($0/yr)

💡 Actionable Ways to Save Money

🔁 Detected Recurring Subscriptions & Bills

🤖 Ask Your OpenRouter AI Financial Coach

🏦 SimpleFIN Bridge Bank & Credit Card Connection

Active SimpleFIN Connections

🤖 OpenRouter Free AI Configuration

🗄️ Local SQLite Database Storage (`data/d4rk_budget.sqlite`)

📱 Native Mobile App (React Native / Expo) + Production Deployment

🔌 REST API Endpoints for Mobile & Web Clients

🏦 Link Bank via SimpleFIN Bridge

🧾 Add Transaction

💳 Add Credit Card, Loan, or Bank Account

Command Your Cash Flow, Credit Card Debt & AI Savings.

Welcome back

Create your account

📈 6-Month Cash Flow (Income vs. Spending)

🍩 Spending by Category

🔥 30-Day Spending Burn Rate vs. Ideal Pace

🎯 Category Budgets & Alerts

🏦 Linked SimpleFIN Accounts & Cards

💡 Top Ways You Can Save Money (AI)

🤖 OpenRouter AI Auto-Categorizer

⚡ Interactive Debt Payoff Simulator

📉 24-Month Debt Payoff Trajectory

💳 Linked Credit Cards & Debt Accounts

Potential Savings Identified: $0.00/mo ($0/yr)

💡 Actionable Ways to Save Money

🔁 Detected Recurring Subscriptions & Bills

🤖 Ask Your OpenRouter AI Financial Coach

🏦 SimpleFIN Bridge Bank & Credit Card Connection

Active SimpleFIN Connections

🤖 OpenRouter Free AI Configuration

🗄️ Local SQLite Database Storage (data/d4rk_budget.sqlite)

📱 Native Mobile App (React Native / Expo) + Production Deployment

🔌 REST API Endpoints for Mobile & Web Clients

🗄️ Local SQLite Database Storage (`data/d4rk_budget.sqlite`)