0a96bf199d
* SimpleFIN: setup UX + same-provider relink + card-replacement detection Fixes three bugs and adds auto-detection for credit-card fraud replacement. Bugs: - Importer: per-institution auth errors no longer flip the whole item to requires_update. Partial errors stay on sync_stats so other institutions keep syncing. - Setup page: new activity badges (recent / dormant / empty / likely-closed) via SimplefinAccount::ActivitySummary. Likely-closed (dormant + near-zero balance + prior history) defaults to "skip" in the type picker. - Relink: link_existing_account allows SimpleFIN to SimpleFIN swaps by atomically detaching the old AccountProvider inside a transaction. Adds "Change SimpleFIN account" menu item on linked-account dropdowns. Feature (credit-card scope only): - SimplefinItem::ReplacementDetector runs post-sync. Pairs a linked dormant zero-balance sfa with an unlinked active sfa at the same institution and account type. Persists suggestions on Sync#sync_stats. - Inline banner on the SimpleFIN item card prompts relink via CustomConfirm. Per-pair dismiss button scoped to the current sync (resurfaces on next sync if still applicable). Auto-suppresses once the relink has landed. Dev tooling: - bin/rails simplefin:seed_fraud_scenario[email] creates a realistic broken pair for manual QA; cleanup_fraud_scenario reverses it. * Address review feedback on #1493 - ReplacementDetector: symmetric one-to-one matching. Two dormant cards pointing at the same active card are now both skipped — previously the detector could emit two suggestions that would clobber each other if the user accepted both. - ReplacementDetector: require non-blank institution names on both sides before matching. Blank-vs-blank was accidentally treated as equal, risking cross-provider false matches when SimpleFIN omitted org_data. - ActivitySummary: fall back to "posted" when "transacted_at" is 0 (SimpleFIN's "unknown" sentinel). Integer 0 is truthy in Ruby, so the previous `|| fallback` short-circuited and ignored posted. - Controller: dismiss key is now the (dormant, active) pair so dismissing one candidate for a dormant card doesn't suppress others. - Helper test: freeze time around "6.hours.ago" and "5.days.ago" assertions so they don't flake when the suite runs before 06:00. * Address second review pass on #1493 - ReplacementDetector: canonicalize account_type in one place so filtering (supported_type?) and matching (type_matches?) agree on "credit card" vs "credit_card" variants. - ReplacementDetector: skip candidates with nil current_balance. nil is "unknown," not "zero" — previously fell back to 0 and passed the near- zero gate, allowing suggestions without balance evidence.
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Sure: The personal finance app for everyone
Get involved: Discord • Website • Issues
Important
This repository is a community fork of the now-abandoned Maybe Finance project.
Learn more in their final release doc.
Backstory
The Maybe Finance team spent most of 2021–2022 building a full-featured personal finance and wealth management app. It even included an “Ask an Advisor” feature that connected users with a real CFP/CFA — all included with your subscription.
The business end of things didn't work out, and so they stopped developing the app in mid-2023.
After spending nearly $1 million on development (employees, contractors, data providers, infra, etc.), the team open-sourced the app. Their goal was to let users self-host it for free — and eventually launch a hosted version for a small fee.
They actually did launch that hosted version … briefly.
That also didn’t work out — at least not as a sustainable B2C business — so now here we are: hosting a community-maintained fork to keep the codebase alive and see where this can go next.
Join us!
Hosting Sure
Sure is a fully working personal finance app that can be self hosted with Docker.
Forking and Attribution
This repo is a community fork of the archived Maybe Finance repo. You’re free to fork it under the AGPLv3 license — but we’d love it if you stuck around and contributed here instead.
To stay compliant and avoid trademark issues:
- Be sure to include the original AGPLv3 license and clearly state in your README that your fork is based on Maybe Finance but is not affiliated with or endorsed by Maybe Finance Inc.
- "Maybe" is a trademark of Maybe Finance Inc. and therefore, use of it is NOT allowed in forked repositories (or the logo)
Performance Issues
With data-heavy apps, inevitably, there are performance issues. We've set up a public dashboard showing the problematic requests seen on the demo site, along with the stacktraces to help debug them.
https://www.skylight.io/app/applications/s6PEZSKwcklL/recent/6h/endpoints
Any contributions that help improve performance are very much welcome.
Local Development Setup
If you are trying to self-host the app, read this guide to get started.
The instructions below are for developers to get started with contributing to the app.
Requirements
- See
.ruby-versionfile for required Ruby version - PostgreSQL >9.3 (latest stable version recommended)
- Redis > 5.4 (latest stable version recommended)
Getting Started
cd sure
cp .env.local.example .env.local
bin/setup
bin/dev
# Optionally, load demo data
rake demo_data:default
Visit http://localhost:3000 to view the app.
If you loaded the optional demo data, log in with these credentials:
- Email:
user@example.com - Password:
Password1!
For further instructions, see guides below.
Setup Guides
- Mac dev setup
- Linux dev setup
- Windows dev setup
- Dev containers - visit this guide
One-click
License and Trademarks
Maybe and Sure are both distributed under an AGPLv3 license.
- "Maybe" is a trademark of Maybe Finance, Inc.
- "Sure" is not, and refers to this community fork.