61a235f765
* fix(family): include HSA depository accounts in tax-advantaged exclusion `Family#tax_advantaged_account_ids` is the ID set the budget engine uses to exclude tax-advantaged account activity from income / expense / cashflow totals. PR #724 originated this method and explicitly listed HSA in scope ("401k, IRA, HSA, Roth IRA, etc."), but the implementation only joined `investments` and `cryptos`. `Depository::SUBTYPES["hsa"]` already exists and Plaid routes `depository.hsa` accounts to `Depository` (not `Investment`) via `PlaidAccount::TypeMappable`, so HSA cash accounts were silently absent from the filter and HSA contributions/withdrawals showed up in household expense totals. - Add `Depository::TAX_ADVANTAGED_SUBTYPES = %w[hsa]` + a `tax_treatment` instance method (mirrors `Investment#tax_treatment`). `TaxTreatable#tax_advantaged?` picks it up via the existing `respond_to?` check, so `Account#tax_advantaged?` now flips to true for HSA depositories without touching the concern. - Extract `Family#tax_advantaged_depository_account_ids` (private) that joins `depositories` and filters by `Depository::TAX_ADVANTAGED_SUBTYPES`, mirroring the existing `investment_ids` / `crypto_ids` extraction style. Append it to the union in `tax_advantaged_account_ids`. Behavior change is scoped: HSA depositories now exit the budget engine via the same path as 401k / IRA / Roth IRA. Non-HSA depositories continue to report `tax_treatment: :taxable` (was `nil`), so `Account#taxable?` returns true for them via the existing `== :taxable` clause — no expense-total change for Checking / Savings / CD / Money Market. Tests: - `test/models/account_test.rb` — rewrite "tax_treatment returns nil for non-investment accounts" (was implicitly testing the bug) into two tests: one asserting `:taxable` for non-HSA depositories and a new sibling asserting `nil` for accountables that genuinely lack `tax_treatment` (CreditCard). Add an HSA-depository test asserting `tax_advantaged?`. - `test/models/income_statement_test.rb` — new test asserting an HSA depository is included in `tax_advantaged_account_ids` and a `savings` depository is not. No schema migration, no controller change, no provider integration change. * [200~fix(family): return nil for non-HSA depository tax_treatment
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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 (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.
