FinancAAR – Personal Finance Manager

Offline-first, privacy-focused personal finance manager built with React Native

FinancAAR – Personal Finance Manager

FinancAAR is a cross-platform (Android & iOS) personal-finance manager that helps you track income & expenses, manage debts, analyse spending trends and generate beautifully formatted financial reports – all offline and completely private.
This repository hosts the production-ready source code for the mobile client.

✨ Key Features

Area	Highlights
Accounts	• Unlimited Cash and Card accounts
• Custom colours & emoji icons
Transactions	• Fast add / edit flow with category selector
• Supports income, expense, transfer, debt payment
Debts	• Track who you owe & who owes you
• Status updates (paid / unpaid)
Smart Notifications	• Daily summary & personalised tips
• Schedules handled locally (works offline)
Security	• PIN (4 & 6 digits)
• Biometric unlock (Fingerprint / Face ID)
Analytics	• Charts for last 7 days / month / customised ranges
Financial Reports	• Multi-select data types (Transactions, Debts, Balances, Categories, Accounts)
• Preset ranges (1 day, 1 week, 1/3/6 months, all time)
• Export to CSV, XLSX, PDF
• Share sheet or direct download to `/Download` (Android SAF)
Theming	• Light / Dark / System
Offline-first	• Local SQLite DB (no remote server needed)

🛠️ Tech Stack

React Native 0.79 (Hermes)
Expo SDK 53
TypeScript 5
expo-file-system, expo-print, expo-notifications, expo-secure-store, expo-local-authentication, expo-sqlite
React Navigation 7 (Stack & Bottom Tabs)
Reanimated 3, Gesture Handler 2
Charts – react-native-chart-kit
XLSX – xlsx 0.18 (SheetJS)

Folder Structure (simplified)

src/
  components/        # Reusable UI elements (AccountCard, Toast…)
  screens/           # App screens, incl. Settings & Reports modal
  navigation/        # React-Navigation stacks & tabs
  contexts/          # Theme & Auth contexts
  hooks/             # Custom hooks (biometric, secure storage, notifications)
  services/          # Local & push notification helpers
  utils/             # DB wrapper, currency helper, exporter (CSV/XLSX/PDF)
  types/             # Global type declarations

🚀 Getting Started

Prerequisites

Node.js ≥20
Expo CLI – npm i -g expo-cli
A physical Android / iOS device or simulator/emulator

Local Setup

# 1. Clone repo
$ git clone https://github.com/UserAAR/FinancAAR-Mobile.git && cd FinancAAR-Mobile

# 2. Install deps
$ npm i           # or yarn

# 3. Start dev server
$ npm run start   # Expo dev menu

Press "a" to open Android Emulator, "i" for iOS Simulator or scan QR with Expo Go.

Environment Variables

This project does not require remote API keys.
All storage is local; only system permissions are requested at runtime (Notifications, Storage, Biometric).

📦 Building for Production

Android (AAB / APK)

# Install EAS CLI if needed
yarn global add eas-cli   # or npm i -g eas-cli

# Configure (first time only)
eas build:configure

# Cloud build (AAB)
eas build -p android --profile production

The build finishes with a download URL you can attach to a GitHub Release.

iOS (IPA)

eas build -p ios --profile production

Requires Apple ID credentials & certificates (managed by EAS).

🗂️ Database Schema

SQLite tables are created automatically on first run.

Table	Fields (excerpt)
accounts	id (PK), name, type (cash/card), balance, color, emoji, createdAt
categories	id (PK), name, type (income/expense)
transactions	id (PK), amount, type, date, title, categoryId (FK), accountId (FK)
debts	id (PK), personName, amount, status, date

See src/utils/database.ts for full schema & helper methods.

🔐 Permissions

Platform	When	API
Android	Export → Download	`StorageAccessFramework` (WRITE_EXTERNAL_STORAGE fallback API < 33)
Android & iOS	Reporting → Share	`expo-sharing`
Android & iOS	Biometric Login	`expo-local-authentication`
Android & iOS	Notifications	`expo-notifications` (foreground & scheduled)

All permissions are requested just-in-time, with graceful handling if denied.

🧑‍💻 Contributing

Fork & clone repo.
git checkout -b feat/my-feature
Commit with conventional-commit messages.
git push and open a PR.
CI/Lint must pass before merge.

Code Style

TypeScript strict
ESLint + Prettier configured via Expo defaults.
Commit messages follow Conventional Commits.

Issue & Pull Request Workflow

Please use the GitHub issue templates located in .github/ISSUE_TEMPLATE when reporting bugs or proposing features. Providing complete information helps us triage and resolve tickets faster.
Pull Requests must follow the PR template (.github/PULL_REQUEST_TEMPLATE.md) and complete the checklist before review.
For general questions or support, open a thread in GitHub Discussions instead of filing an issue.
By participating in this project you agree to abide by our Code of Conduct.
Detailed development guidelines are available in CONTRIBUTING.md.

📚 Documentation

Detailed technical documentation now lives in the docs/ directory:

For general questions or implementation discussions, please open a thread in GitHub Discussions.

📝 License

FinancAAR is distributed under a Proprietary License. You may freely download and use the compiled APK for personal, non-commercial purposes. Any other use—including but not limited to reproducing, modifying, or redistributing the source code—requires prior written permission from UserAAR. See LICENSE for full terms.

🙏 Acknowledgements

Expo – making React Native painless.
SheetJS for XLSX export.
React Navigation & community libraries.

📊 FINANCIAL CALCULATION METHODOLOGY

Mathematically Proven Formulas Used:

Net Savings Calculation (Real Wealth Building):

Net Savings = Current Total Assets - Previous Period Total Assets

Source: Standard financial accounting principles
Why Accurate: Measures actual wealth accumulation, not just cash flow
Implementation: database.calculateNetSavings()

Savings Rate Calculation (Industry Standard):

Savings Rate = (Net Savings / Gross Income) × 100

Source: Financial Independence community standards, CFP Board recommendations
Why Accurate: Shows true percentage of income building wealth
Implementation: database.calculateSavingsRate()

Cash Flow Savings Rate (Traditional Method):

Cash Flow Rate = ((Income - Expenses) / Income) × 100

Source: Traditional budgeting methods
Use Case: Month-to-month spending analysis
Limitation: Doesn't account for asset changes or transfers

Financial Health Score (0-100 Composite):

Health Score = Savings Rate (40%) + Net Savings (30%) + Trend (20%) + Balance (10%)

Methodology: Weighted composite based on financial planning best practices
Benchmarks:
- 80-100: Excellent financial health
- 60-79: Good financial health
- 40-59: Fair, needs improvement
- 0-39: Poor, requires immediate attention

Data Sources & Accuracy:

✅ All Account Balances: Real-time from user's actual accounts
✅ All Transactions: Complete transaction history
✅ Category Spending: Accurate categorized expenses
✅ Income Tracking: All income sources recorded
✅ Time Periods: 3-month, 6-month, 1-year analysis

Mathematical Verification:

✅ Zero Sum Principle: All money flows tracked
✅ Double Entry: Account balance changes = transaction totals
✅ Period Consistency: Calculations verified across time periods
✅ Industry Standards: Formulas match financial planning guidelines

Features

Why FinancAAR?

✨ Offline-First Personal Finance – All data is stored locally using SQLite; no servers, no tracking.
🏦 Unlimited Accounts – Create as many Cash and Card accounts as you need with custom colours & emoji icons.
💸 Comprehensive Transactions – Fast add / edit flow supporting income, expense, transfer and debt payment types.
🤝 Debt Management – Track who you owe (or who owes you), with status updates and visual summaries.
📊 Advanced Analytics – Interactive charts for the last 7 days, month or any custom range; spot spending trends instantly.
🧠 AI Insights – AI-powered analysis delivers actionable tips to optimise your budget (processed fully on-device).
🔔 Smart Notifications – Daily summary & personalised suggestions, scheduled locally so they work even when offline.
🔐 Solid Security – 4- & 6-digit PIN, plus biometric unlock (Fingerprint / Face ID).
📑 Rich Reporting & Export – Generate beautifully formatted CSV, XLSX and PDF reports; share via system sheet or save directly to /Download.
🎨 Dynamic Theming – Light, Dark & System modes with instant switching.
🚀 Cross-platform – Runs smoothly on Android & iOS, thanks to Hermes & Reanimated 3 optimisations.
📈 Financial Health Score – Composite metric (0-100) based on savings rate, net savings & balance trends.

🚀Take charge of your financial journey with FinancAAR–where your money is in control and your future is secure💰

Name		Name	Last commit message	Last commit date
Latest commit History 49 Commits
.github		.github
assets		assets
docs		docs
src		src
.gitattributes		.gitattributes
.gitignore		.gitignore
App.tsx		App.tsx
LICENSE		LICENSE
README.md		README.md
app.json		app.json
eas.json		eas.json
index.ts		index.ts
package-lock.json		package-lock.json
package.json		package.json
tsconfig.json		tsconfig.json

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FinancAAR – Personal Finance Manager

✨ Key Features

🛠️ Tech Stack

Folder Structure (simplified)

🚀 Getting Started

Prerequisites

Local Setup

Environment Variables

📦 Building for Production

Android (AAB / APK)

iOS (IPA)

🗂️ Database Schema

🔐 Permissions

🧑‍💻 Contributing

Code Style

Issue & Pull Request Workflow

📚 Documentation

📝 License

🙏 Acknowledgements

📊 FINANCIAL CALCULATION METHODOLOGY

Mathematically Proven Formulas Used:

Net Savings Calculation (Real Wealth Building):

Savings Rate Calculation (Industry Standard):

Cash Flow Savings Rate (Traditional Method):

Financial Health Score (0-100 Composite):

Data Sources & Accuracy:

Mathematical Verification:

Features

Why FinancAAR?

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