Finance

Finansal Pusula (Financial Compass)

warningProblem

"How to go about making our money work for us instead of sitting in a HYSA?"

psychologyPotential Solution

An intelligent financial planning platform that automatically reallocates savings from HYSA (High-Yield Savings Accounts) into investment portfolios tailored to risk tolerance for medium and long-term major goals.

groupTarget Audience

High-income white-collar couples holding significant cash in HYSAs, seeking professional support for investment strategy, and having clear 5-10 year goals (e.g., house, land, early retirement).

paymentsRevenue Model

Freemium model: Basic analysis is free; advanced portfolio tracking and personalized investment guidance require a monthly subscription ($9.99/month).

Action Plan

Goal-oriented portfolio simulator (7-year savings projection)

Manual or API-based input of personal financial data (debt, income, savings)

Risk tolerance assessment questionnaire and automated strategy recommendation

Comparative return charts for HYSA vs. Investment

Personalized 'action list' dashboard based on progress towards financial goals

Scoring

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Source: personalfinanceopen_in_new

AI Prompt

Build a comprehensive financial planning SaaS application using Next.js 14 (App Router), TypeScript, and Tailwind CSS. The app must include a multi-page structure: Dashboard, Goal Planner, Portfolio Simulator, and Settings. Implement Drizzle ORM with PostgreSQL for data management. 1. Define a user schema with fields for income, monthly expenses, current savings, and target goal amount/deadline. 2. Create API routes for CRUD operations on user financial data. 3. Develop a core calculation engine that models compound interest growth for different asset allocation strategies. 4. Use Recharts for interactive visualization of projected savings growth. 5. Integrate a risk assessment quiz that stores results in the DB and dynamically adjusts the recommended investment allocation. Ensure full responsiveness, authentication using NextAuth.js, and a clean, trust-inspiring financial UI/UX.