OpenFinance: Building a Voice-Powered Financial Advisor for Myself

I wanted a single place to see everything — my investments, my physical assets, my cash inflows and outflows, my liabilities — all merged together into one coherent picture. Every finance app I tried either did investments or expenses or net worth, but none of them brought it all together in a way that actually made sense.

So I built one.

OpenFinance which is a weekend vibe-coded project. The core idea was simple: I wanted to track my securities across all my accounts (TFSA, RRSP, non-registered, etc.), track my physical assets like real estate and vehicles, track my liabilities like my mortgage and any loans, and then merge all of that with my actual cash flows — income coming in, expenses going out. One unified view of my entire financial life.

The net worth calculation pulls from everything: cash balance (all-time income minus all-time expenses), securities (with live price lookups and USD to CAD conversion of USD based accounts), physical assets, minus all liabilities. It finally gave me the complete picture I'd been trying to piece together across five different spreadsheets.

But here's where it got interesting. Once I had all this financial data structured and accessible, I thought — what if I could just talk to it?

So I built a voice agent on top. His name is Dan. Dan has tool calls that let him query any aspect of my financial data — my recent transactions, my spending by category, my investment portfolio, my assets, my liabilities, my goals, my recurring bills, how this month compares to last month. Thirteen different tools that give him complete context over my financial situation.

The experience is wild. I can literally just ask "What's my net worth?" or "How much did I spend on restaurants this month?" or "What's my biggest liability?" and get real answers based on real data. It's like having a financial advisor with perfect memory who's available whenever I want to talk.

The next step I'm thinking about is recommendations. Right now Dan just answers questions, but imagine if he could actually recommend things — like "Based on your income, expenses, and current account setup, you'd save $X per year if you switched to this credit card" or "You have $Y sitting in a low-interest account that could be moved to a high-interest savings account." Banking products optimized for your specific circumstance, not generic advice.

That's the real potential here. An AI that doesn't just track your money, but actively helps you optimize it because it understands your complete picture.

Project is here: https://github.com/Aslanf8/personal-finance

Built with Next.js, Supabase, and OpenAI. If you want to play with it or build on top of it, go for it.