Dynamic Finance — Personal Finance OS
A private personal-finance operating system that models cash flow, transfers, debt, goals and investments with a balanced ledger.
Dynamic Finance lives inside the private OwerHappiness Desk. It treats financial correctness as a product feature: transfers are not expenses, credit-card repayments are not counted twice, liabilities stay liabilities, and every dashboard total traces back to ledger entries.
A finance dashboard that refuses to lie about transfers.
The core is a balanced ledger. Bank → wallet, bank → savings and bank → broker remain money movements; a credit-card purchase is recognized once when it happens, while repayment only settles the liability. That separation keeps cash flow, Safe-to-Spend and net worth meaningful.
Safe-to-Spend turns balance into a decision.
Instead of saying “you have 10 million”, Dynamic Finance subtracts upcoming essential commitments, required debt payments, protected goals and reserves from eligible liquid cash. The UI exposes the full breakdown instead of hiding assumptions inside a mystery score.
Private product, public engineering story.
The real finance workspace stays behind owner authentication and Supabase RLS. The public portfolio only explains the product, architecture and financial-domain decisions; it never exposes real balances, transactions or investment positions.