A Next.js 16 fintech SaaS ready for production. 10 locales, Stripe freemium billing, a Claude insight engine, OCR receipts, 5-bank CSV import, family accounts and a public API. Ship a finance SaaS in a weekend.
first 1000 buyers, then $299
7-day no-questions refund · Instant delivery
Everything is plain TypeScript and React. No runtime lock-in, you own the code.
VN, EN, ES, FR, JA, KO, ZH, AR (with RTL), ID and TH ship as working locales. Type-safe translation keys, browser-locale and timezone auto-detect, hreflang alternates, a multi-locale sitemap and a language switcher. `bun run i18n:check` validates parity in CI, and `bun run i18n:sync` writes `[EN]`-prefixed placeholders for missing keys.
Every shadcn and Base UI primitive a SaaS needs: DataTable on TanStack v8, recharts, a cmdk command palette, a vaul drawer, resizable panels, combobox, sortable, hover-card, context-menu, tabs, dialog, a TipTap editor. `/settings/theme` carries a live Theme Studio with 12 WCAG-AA presets, light, dark and system modes, three contrast levels, a font slider and RTL or LTR, all persisted through CSS variables with no rebuild.
Free, Pro and Family tiers with webhook-verified upgrades, a customer portal, dunning and grace-period handling, an idempotent `stripe_events` table, and a `profiles_update_self_safe_columns` RLS policy that blocks user-side billing tampering. Multi-currency across USD, EUR, GBP, VND, IDR and THB with a USD fallback. Server-side freemium middleware blocks Pro routes for Free users.
A weekly digest on sonnet, an anomaly alert on haiku at roughly a twentieth of the cost, a goal review and a forecast write-up on sonnet. Generation runs in an Edge Function (`supabase/functions/generate-insight/`) so the Anthropic key stays server-side and out of the Next.js bundle. Per-user 7-day cache, with token and model usage surfaced in admin. Six mandatory prompt rules: JSON only, specific amounts, no hallucination, 120 words or fewer, and the right model per task.
Three ways to get a transaction in: manual entry through React Hook Form and Zod, a client-side OCR receipt scan through Tesseract.js with no server upload, and CSV import with five pre-wired bank parsers (Vietcombank, Techcombank, TPBank, VIB and a generic one) behind a diff-and-confirm screen so duplicates never land in the ledger.
Dashboard, transactions, goals with SMART templates and AI nudges, budgets with caps, rollover and alerts, recurring subscription and income detection, a debt planner running snowball and avalanche, invoices and clients for freelancer mode, an accountant share-link at `/accountant/[token]` with scope and expiry, a 30, 60 and 90-day forecast, net worth and portfolio, a calendar, and family and team accounts across owner, co-pilot and view-only roles. Tax calculators cover Vietnamese TNCN across seven brackets, Indonesian PPh 21 with PTKP 54M, and Thai PIT across eight brackets.
Nine admin routes. A dashboard with DAU, MRR, paying and churn KPIs, 30-day signups, plan mix and a 15-second cache. Users with list, detail and five lifecycle actions: reset password, magic link, ban, unban and cancel subscription. Messages as an inbox with replies through Resend. A paginated, filterable audit log. Feature flags as runtime kill-switches with a rollout percentage. Analytics with a cohort LTV heatmap, an onboarding funnel and an investor PDF export through jsPDF. Every admin write is recorded.
`/api/v1/me`, `/api/v2/transactions/batch` at 100 per call, and `/api/v2/usage` are bearer-token endpoints. The `ApiKey` table stores a prefix and sha256 of the plaintext, shown once at creation. `/finance/settings#api-keys` handles create and revoke. A typed `FinanceAIClient` SDK lives in `public/sdk/` with automatic 429 retry, and webhook delivery auto-disables after ten consecutive failures.
Streaks with a streak freeze, XP across ten level thresholds, ten badge types, weekly challenges and an achievements wall, all driven by a fire-and-forget award pipeline. In our cohort it woke dormant users roughly 40% more often than the control with no gamification.
A service worker through `vite-plugin-pwa` gives an install prompt, an offline shell, transaction-queue replay on reconnect and an `/offline` fallback route. Web Push through the `web-push` library is wired for the daily nudge, the anomaly alert and the weekly recap.
`NEXT_PUBLIC_DEMO_MODE=true` flips the deployment to read-only, where every write API returns `403 DEMO_MODE_READONLY` behind a sticky banner. `bun run seed:demo` provisions an admin user with 90 days of sample transactions, goals and insights, so a reviewer can browse every screen without polluting the data set.
Over 60 SQL migrations under `supabase/migrations/` with a paired `CREATE POLICY` block for every table. An `on_auth_user_created` trigger materialises a Profile row on signup, and `enforce_role_immutability` blocks role escalation through the user-facing PATCH. `bun run verify:rls` asserts every table has RLS on with the expected policy block, and drift fails CI.
Three things. **It is a worked fintech vertical, not just a chassis**: OCR receipts, 5-bank CSV import, a debt strategy planner, family accounts, an accountant share-link, tax calculators for Vietnam, Indonesia and Thailand, and a four-prompt Claude insight engine all ship in the box. Generic starters hand you auth and billing; this hands you the finance product. **10 pre-wired locales** with RTL, where most templates ship one or two. And **production RLS, not just auth**: every table has explicit policies plus a `verify:rls` script that asserts the live state matches expectations. Most templates ship with RLS off and let you fix it later.
Yes, that is the design. Buyer-optional subsystems sit behind `FEATURES.*` flags in `src/template.config.ts`: newsletter, themeStudio, blog, demoApps, aiChat, gamification, ocr, csvImport, family, accountant, invoices and more. Flip a flag to false and the route 404s while the component tree-shakes out. The buyer docs carry per-deletion guides for auth, billing, admin and the finance modules.
No limit. The 10 locales (VN, EN, ES, FR, JA, KO, ZH, AR with RTL, ID, TH) ship as working examples, and the i18n layer treats every locale file the same. Drop a new file such as `de.ts` or `pt.ts` into `src/locales/`, register it in one line of `template.config.ts`, and i18next, hreflang and the sitemap all pick it up.
The codebase talks to Stripe directly. A founder in Vietnam or the wider region will need a Stripe-supported entity such as Stripe Atlas or a US LLC, or a Merchant of Record like Polar.sh or Paddle. The wiring is processor-agnostic where it matters, and the customer portal plus idempotent webhook layer is the heavy lift this template saves you. Multi-currency already covers VND, IDR and THB alongside USD, EUR and GBP.
The Edge Function uses haiku for alerts at roughly $0.001 a call and sonnet for weekly digests at roughly $0.02 a call. With the 7-day per-user cache and around 1,000 monthly active users, expect $5 to $15 a month. Token and model usage is tracked in the `insights` table and surfaced in the admin dashboard, so you can watch spend without leaving the panel.
Yes. The single-developer commercial licence covers unlimited apps for yourself or for clients you bill directly. Redistributing the source itself, by selling it, posting it on a marketplace or uploading it to a public repo, is not allowed.
Six months of free updates are included, with monthly minor versions covering Next.js and React bumps, bug fixes and the occasional feature. After that a paid upgrade adds another twelve months.
Seven days, no questions asked. If `bun install && bun dev` does not boot on a fresh machine, email me the error and I will refund within one business day.
Skip the setup. Ship tonight.
Code you own, forever. No runtime lock-in, no subscription.