Voci AI

About

Voci — Voice-First Personal Finance TrackerSpeak your spending. AI handles the rest.Voci is a fully built, fully deployed voice-first expense and income tracker. A user speaks a transaction — "spent $50 on groceries" — and AI transcribes it, categorizes it, and matches it to the right budget automatically, with the entry appearing on their dashboard already tagged and organized. No typing, no spreadsheets, no manual categorization.Condition & FunctionalityThis is not a prototype, mockup, or partially-built MVP — every feature described here is live, tested, and running in production right now at the app's deployed URL. The full user journey works end to end: sign up, record or manually enter a transaction, watch AI categorize and budget-match it in real time, track spending against budgets, manage a subscription plan through Stripe, and install the app to a home screen like a native mobile app. A buyer can open the link today and use the complete product exactly as a real customer would.Core FeaturesVoice-to-transaction AI pipeline.- In-browser audio recording with live waveform feedback during capture- AI transcription of natural spoken language — no rigid command syntax required- AI categorization across 10+ spending categories- Confidence-scored AI budget matching — a transaction is only auto-linked to a budget when the AI is genuinely confident, protecting the integrity of the user's budget data instead of forcing false matches- Manual entry available as a fallback or preferred alternative input method**Installable Progressive Web App- Installs directly to a home screen on Android, desktop, and iOS — no app store submission, review process, or approval delay required- Launches full-screen like a native app once installed, with no browser address bar or chrome- Custom service worker enables offline resilience and faster repeat loads**Smart budgeting engine**- Users create budgets by category and target amount- Every new transaction is automatically checked against existing budgets and linked when it genuinely fits- Real-time spend tracking, remaining balance, and visual progress indicators per budget**Full subscription billing infrastructure**- 5 pricing tiers (Free, Starter, Basic, Pro, Pro Annual) already configured- Stripe Checkout integration for plan upgrades- Webhook-driven plan sync handling renewals, scheduled cancellations, and failed payments- Automated daily job that downgrades expired subscriptions to Free and warns users before their access lapses — a detail most MVPs at this stage skip entirely**Transaction management**- Full transaction history with delete support- Filterable by type (income/expense) and by date range (today / this week / this month)- Income and expense totals calculated live**Reports & premium features (plan-gated)**- PDF report generation, invoice creation, CSV export- AI chat and AI-generated spending insights### Specifications / Tech Stack- **Frontend:** Next.js 14 (App Router), React, Tailwind CSS- **Backend:** Next.js serverless API routes- **Database:** Firebase Firestore, with Firebase Admin SDK for secure server-side access- **Auth:** Firebase Authentication- **AI:** Groq API running Llama models for transcription, categorization, and budget matching- **Payments:** Stripe (Checkout, Subscriptions, Webhooks)- **PWA:** Web App Manifest + custom-written service worker — no third-party PWA library or build tooling dependency- **Hosting:** Vercel, serverless, with a scheduled Vercel Cron job handling subscription lifecycle checksThe entire architecture runs on serverless infrastructure — there are no always-on servers to pay for, so hosting costs stay near zero until the app has real traffic to scale into. What Makes This Stand OutMost personal finance apps still require manual typing or, at best, a receipt photo. Voice-first competitors do exist (Finny, Money Vault, Wallet by BudgetBakers), but this product combines voice capture with *confidence-gated* AI budget matching — meaning it's specifically engineered not to silently corrupt a user's budget with a bad AI guess, a subtlety most competing tools don't handle carefully. Layer in a fully working multi-tier Stripe billing system with real lifecycle management (not just a one-time checkout), and a genuinely installable PWA, and this is a technically complete product — not a UI shell wrapped around a single feature.### Why This Is a Great ChoiceBuilding this from zero means solving several genuinely difficult integration problems: chaining voice capture through AI transcription, AI categorization, and AI budget matching into one reliable pipeline; building correct Stripe subscription logic that handles renewals, cancellations, and failed payments without leaving users in a broken state; structuring a Firestore data model that scales cleanly across users; and making the whole thing installable as a PWA. All of that engineering is already done, tested, and running.A buyer acquires:- The complete, working codebase- Copyright to all original code- The live, deployed application- A technically solid foundation ready for marketing, user acquisition, and revenue growth — without needing to write a single line of the underlying infrastructureThis is best suited to a buyer looking for a working fintech/AI MVP to launch under a new brand, merge into an existing product, or use as a technical foundation for a different AI-powered finance tool — someone with the time and resources to invest in growth, since the hard engineering work is already complete.