150dc4bdc9
Two semantic shifts in V2 that drove the worst on-screen confusion.
B3/B4 — `Goal#pace` excluded `Transaction::TRANSFER_KINDS`. When a
user tapped "I just transferred…" and the deposit landed, the linked
account's balance went up but pace did not: pace ignored transfer-
kind entries, so the goal stayed `:behind` against `monthly_target`
and the catch-up callout kept demanding $X/mo even though the user
had just moved the money in. Same root cause hit any long-time saver
whose 90-day net was zero — pace=0, status=:behind, projection says
"At $0.00/mo you'll miss your target date" while the ring sits at
80%.
Drop the transfer-kind exclusion. Pace is now net inflow into linked
accounts over 90 days. Transfers between linked accounts already net
out (both legs land inside the same account set); transfers from
outside (checking → linked savings) net positive, which is exactly
the case the pledge flow records.
B19 — `Family#savings_inflow_velocity` summed entry amounts across
every depository account linked to any goal regardless of currency,
then rendered the result in the family's primary currency. A family
with one USD goal and one EUR goal saw `usd_inflow + eur_inflow`
reported as USD with no FX conversion. Scope the account set to the
family's primary currency until proper FX-conversion lands. Also
let the result go negative (net outflow) — clamping to ≥0 lost
signal; the controller decides how to render the sign.
V20 (controller) — `velocity_30d_sign` was wired off the *delta*
direction, so a $1,234 down-month rendered as "−$1,234 ↓ 27% vs
prior 30d". The minus read as a loss but $1,234 was the (positive)
contribution. Re-wire the headline sign off the headline value
itself; the delta-direction stays on the subline as ↑/↓ N%. With
the family-rollup change above, the headline can now legitimately
be negative — UI now says "−$200 ↓ 50% vs prior 30d" when the
family had net outflow.
B21 — KPI tile `on_track_count` lumped `:reached` goals into "on
track", inflating the numerator while the sort order placed reached
goals at the bottom of the list. Split `reached_count` out and
render it as its own segment in the on-track subline ("1 reached ·
1 behind · 1 paused").
Test: rename the pace=zero test to match its new premise (no
transactions vs. no non-transfer entries). The fixture still has no
entries, so the assertion holds.
Deutsch | Español | Français | 日本語 | 한국어 | Português | Русский | 中文
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 (archived/abandoned repo) 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 Install
Managed OpenClaw for Sure Finances
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.
