Moneymind — AI-Powered Personal Finance App (Flutter + Firebase, Real AI Coach, Receipt Scanner, Bud

Moneymind is an AI-powered personal finance app you can actually ship — a Flutter mobile app on a Firebase backend, sold as clean, production-grade source code. Unlike the “AI finance” templates that are just UI mockups, Moneymind’s AI is wired up and functional: a receipt scanner, a finance coach, spending forecasts, smart categorization, anomaly detection, a health score, and budget/savings generators all run for real — behind a dual OpenAI + Gemini backend, server-side, so no AI keys ever ship in the app.

It’s offline-first (Drift/SQLCipher on-device is the source of truth, Firestore reconciles) and single-user personal finance — one person tracking their own money. Not multi-user, family, or a marketplace.

Feature highlights

• Functional AI — receipt scan (GPT-4o Vision), coach chat, forecast, anomalies, health score, AI budget generator, savings plan, subscription detector
• Multi-currency wallets with live FX rates (plus manual fallback)
• Budgets, recurring rules, debts, savings goals, and charted reports
• App lock — PIN + biometric + auto-lock
• Google + Apple sign-in (Apple shown on iOS only) plus email/password
• Local notifications — budget / recurring / debt / goal alerts + weekly recap
• Monetization built in — RevenueCat subscriptions + AdMob (banner + interstitial), all Remote-Config-gated, with a server-enforced free tier
• Warm Minimalist design system — Material 3, Sora type, light + dark
• Offline-first — Drift/SQLCipher, works with no network

Tech stack

• App: Flutter 3.x, Dart 3.11
• State / routing: Riverpod 3 (hand-written providers), GoRouter
• Local DB: Drift (SQLite) + SQLCipher
• Charts / fonts: fl_chart, google_fonts (Sora)
• Backend: Firebase Auth / Firestore / Storage / Functions / Remote Config
• Functions: Node 22 + TypeScript
• AI: OpenAI + Gemini (dual, runtime-switchable)
• Monetization: RevenueCat, Google Mobile Ads

What’s included

• Full Flutter source (apps/mobile) + Firebase Functions source (apps/functions)
• Drift schema + migrations; mirrored Firestore schema + security rules + the one composite index
• Warm Minimalist design system (Material 3 ColorScheme + Sora type + shape/spacing tokens), light + dark + system
• 17 Cloud Functions (9 AI callables, 2 subscription callables, FX rate, RevenueCat webhook + entitlement refresh, 2 schedulers, 1 auth trigger)
• Server-side AI quota + rate limiting with a premium bypass
• RevenueCat subscription stack + AdMob, both Remote-Config-gated
• App lock (PIN + biometric + auto-lock) and local notifications
• Google + Apple sign-in
• Full documentation (index.html, quick-start.html) + the RevenueCat setup guide
• 6 months email support, lifetime updates

Requirements

• Flutter 3.x and a Firebase project on the Blaze plan (Cloud Functions require it)
• An OpenAI or Gemini API key (your usage, your spend)
• Optional RevenueCat + AdMob accounts (free tiers available)
• Apple Developer + Google Play Console accounts for store distribution

Quick setup

1. Install deps: pnpm install (repo root) and flutter pub get in apps/mobile.
2. Wire your Firebase project: flutterfire configure from apps/mobile.
3. Set the 5 Function secrets, then deploy Firestore rules, indexes, storage, and functions.
4. (If you change models) run build_runner with --delete-conflicting-outputs.
5. Run the app and sign up.
6. Publish the Remote Config keys (RevenueCat, AdMob, free-tier ceilings, prices).
7. Configure app signing, then build releases for Play Console / App Store Connect.