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Show HN: Backwater Finance – A free, local-first personal finance web app

https://backwater.systems/finance/
1•nate-gehringer•2h ago
For several years, I’ve been tinkering on (yet another) personal finance app … largely to practice the craft, and as a way to try out things we didn’t get to use at $DAY_JOB. I was laid off from $DAY_JOB last year, so I decided to see if I could turn my side project into a real enterprise.

Low-cost infrastructure is a primary concern, and I hope to be able to offer the application as freeware indefinitely, with costs subsidized by a subset of paying subscribers. All of the app’s functionality is available in the free version, except …

1. Database back-up and restore via cloud storage services (currently S3, Google Drive, and Dropbox)

2. Syncing transactions from banking institutions (via Plaid)

You can read about the app’s selling points on the landing page, so I won’t repeat the rest here. Some of the finer, more interesting technical details …

- The main data store is IndexedDB. Originally, the plan was to use CouchDB, but when I learned about IndexedDB, it allowed me to imagine the local-first architecture that the app eventually implemented. For the needs of this application, I’ve found IndexedDB’s primitive nature very interesting, without being too limiting. My wishlist for it includes an asynchronous API, and encryption-at-rest would be nice, too.

- I rolled my own rendering system instead of using an off-the-shelf framework like React or Svelte. I obviously wouldn’t recommend this for the average project or person, but I was naively curious about the low-level concerns of such a library. My system uses a model—view model—view pattern to render Mustache templates to HTML, and simplifies binding event listeners to HTML elements. While I’m very happy with the developer experience it provides, any issues it causes impact end users — not an ideal trade-off. This is a definite area of focus for the future.

- Excellent accessibility is a goal. A lot of effort has gone into making the app as usable as possible, but the work here is not done. If you do front-end development and don’t have experience around accessibility, I’d recommend learning a bit about it as a great way to level-up your development skills. (In my experience, $INDUSTRY doesn’t place due weight on its importance.)

- Due to my dependency allergies, I also rolled my own Web Components to provide UI widgets that HTML doesn’t provide natively. <https://code.backwater.systems/#landscape> Despite the flak they receive, in my opinion, Web Components are awesome and should be more widely used.

Some questions for the community …

- Why do you think local-first software isn’t more popular?

- What’s the next feature you’d build?

How Anthropic's Cowork Actually Works

https://deadneurons.substack.com/p/how-anthropics-cowork-actually-works
1•nr378•39s ago•0 comments

Goldman Sachs Global Macro Research: Gen AI: too much spend, too little benefit [pdf]

https://www.goldmansachs.com/static-libs/pdf-redirect/prod/index.html?path=/images/migrated/insig...
1•u1hcw9nx•1m ago•0 comments

Deleting Code for Performance

https://dbushell.com/2025/12/04/deleting-code-for-performance/
1•speckx•2m ago•0 comments

AI usage policy for Ghostty contributions

https://github.com/ghostty-org/ghostty/pull/10412
1•bpierre•2m ago•0 comments

OpenAI will do "outcome-based pricing will share in the value created"

https://openai.com/index/a-business-that-scales-with-the-value-of-intelligence/
2•moomoo11•5m ago•2 comments

Show HN: ProblemHunt – A place to collect real problems before building startups

https://problemhunt.pro
2•gostroverhov•5m ago•0 comments

Half of NIH's institutes due to freeze billions in funding by 2027

https://www.nature.com/articles/d41586-026-00183-x
1•kozlov8•8m ago•0 comments

Show HN: Elden Ring–style "Git Pushed" screen when you Git push in VS Code

https://github.com/iiviie/CODE_PUSHED_darkSouls
2•iiviie•8m ago•0 comments

How Tim Cook Is Battle-Hardened to Win AI's Biggest Prize: The Trust Layer

https://pitchfreaks.substack.com/p/napster-zuck-and-studio-ghibli-how
1•ThePitchfreak•8m ago•1 comments

Ask HN: Modern test automation software (Python/Go/TS)?

3•rajkumar14•12m ago•0 comments

A Claimed Quantum Computing Breakthrough Was Just Debunked

https://scitechdaily.com/scientists-say-a-major-quantum-computing-breakthrough-was-not-what-it-se...
2•xthe•12m ago•1 comments

Why it's still hard to track Y Combinator Companies

https://www.researchly.at/post/y-combinator-companies-finden-tracken
2•leo_researchly•13m ago•1 comments

Cursor 2.4

https://cursor.com/changelog/2-4
2•leerob•14m ago•0 comments

Us-vs-Them Bias in Large Language Models

https://arxiv.org/abs/2512.13699
1•geox•14m ago•0 comments

Dependency Churn and You

https://dan.turnerhallow.co.uk/dependency-churn-and-you.html
2•speckx•14m ago•0 comments

Sprites – Stateful Sandboxes

https://sprites.dev/
1•varun_chopra•15m ago•0 comments

Theory X and Theory Y

https://en.wikipedia.org/wiki/Theory_X_and_Theory_Y
1•baxtr•16m ago•0 comments

Show HN: Figr – AI that thinks through product problems before designing

https://figr.design/
1•Mokshgarg003•16m ago•0 comments

Show HN: CLI for working with Apple Core ML models

https://github.com/schappim/coreml-cli
1•schappim•16m ago•0 comments

YouTube Keeps Blocking This Space Video. We're Showing It Anyway [video]

https://www.youtube.com/watch?v=WoNQ257OUNc
3•consumer451•17m ago•0 comments

Show HN: AI Gakuen – Specialist agents for Claude Code via compiled knowledge

https://github.com/ntombisol/aigakuen
1•ntombisol•18m ago•0 comments

Microsoft 365 Outage

https://twitter.com/MSFT365Status/status/2014422298506285161
3•6uJYSrt8M•18m ago•0 comments

Taming P99s in OpenFGA: How we built a self-tuning strategy planner

https://auth0.com/blog/self-tuning-strategy-planner-openfga/
3•elbuo•18m ago•0 comments

The 80% Problem: Why the Energy Transition Isn't What You Think

https://twitter.com/IamPranavJ/status/2014429406077583665
1•pranavj•18m ago•0 comments

Fastverse: A Suite of High-Performance and Low-Dependency R Packages

https://fastverse.org/fastverse/
1•PaulHoule•20m ago•0 comments

A clear visual explanation of what HTTPS protects

https://howhttps.works/why-do-we-need-https/
2•birdculture•21m ago•0 comments

Can AI Do My Bookkeeping?

https://theautomatedoperator.substack.com/p/can-ai-do-my-bookkeeping
1•idopmstuff•21m ago•2 comments

Show HN: macOS CLI tool for managing Calendar events and Reminders via EventKit

https://github.com/schappim/ekctl
2•schappim•21m ago•0 comments

Why the return of the MP3 player is a mini vinyl revival in the making

https://www.loudersound.com/tech/exploring-the-mp3-player-revival
1•speckx•23m ago•0 comments

Meesho Rebuilt Their Real-Time Analytics Platform

https://www.meesho.io/blog/inside-meeshos-real-time-analytics-platform-a-deep-dive-into-driving-p...
1•dashdoesdata•24m ago•1 comments