HECTOMIL

The only user is me. That sounds like freedom but is actually tighter: a tool you use alone gets abandoned the moment entering data feels like work. So input friction is the real constraint, not feature coverage.

It holds personal financial data, so I did not want to spread it across more third parties than strictly necessary. That closed off connecting an account aggregator.

Running cost has to be near zero, because this is a personal tool that earns nothing.

I chose Supabase and Vercel so the whole system fits in free tiers and keeps running without maintenance. Auth and database come from one provider, so there is no extra service to look after.

With no account aggregator, balances are entered by hand as periodic snapshots rather than individual transactions. That trades precision for sustainability — and for the question I want answered, the trend is more useful than a record of every purchase.

The spending leak detector compares recurring outgoings against a moving average, so what surfaces is the slow leak rather than the one-off large purchase I already knew about.

Compound interest projection runs as a live calculator against a target of one hundred million rupiah, which turns the question from how much do I have into how much longer.