I built this project because I realized that most finance apps only track money, but they don’t help people make decisions before spending it. I’ve personally had moments where I wondered, “Can I really afford this?”, especially with things like buying a car or expensive tech on a payment plan. That inspired me to create a system that doesn’t just show numbers but explains the financial impact of a purchase before you commit.
While working on it, I learned a lot about connecting a full-stack application: I used React (Vite) for the frontend and Django (DRF) for the backend. I also explored financial logic, like loan calculations and affordability analysis. For example, I implemented formulas to estimate monthly payments and overall cost: Monthly Payment} = P*r/(1 - (1 + r)^-n)
where (P) is the loan amount, (r) is the monthly interest rate, and (n) is the number of months. I also built a simple “affordability engine” that compares payments to disposable income to determine whether a purchase is safe, risky, or not recommended. The project was built as a combination of multiple features: a transaction system, a decision engine, and a “value analysis” component that estimates how much an asset (like a car) might be worth in the future. That part was especially interesting because it required thinking beyond simple budgeting and considering depreciation over time.
One of the biggest challenges I faced was setting up and connecting everything correctly. I ran into issues with environments, missing dependencies, and getting the frontend to communicate with the backend (especially with API routing and proxy errors). Debugging those problems taught me how important proper setup and structure are in real-world projects. Another challenge was simplifying complex financial concepts into something that feels intuitive for users, which pushed me to think more about UX and clarity. Overall, this project helped me move from just building interfaces to actually designing a product with real value, where the goal is not just to show data, but to help users make smarter financial decisions.
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