Hamara Hisaab — ghar ka sara hisaab, ek jagah

Self-hosted household finance app: shared expense/income ledger, budgets, an investment portfolio (with automatic PSX + Pakistani mutual fund prices), loans (qarz), recurring bills and a zakat helper. API-first: everything the web app can do, any AI agent can do too — via MCP or plain REST.

Stack

One Node process (Hono) serving the REST API, an MCP endpoint and a React PWA, plus Postgres. Two containers, one docker compose up.

Related MCP server: budget-mcp

Quick start

cp .env.example .env      # set DB_PASSWORD, BETTER_AUTH_SECRET (openssl rand -base64 32), APP_URL
docker compose up -d --build

Open the app (default http://localhost:3000, change host port with APP_PORT in .env):

1. Register — creates your account.

2. Create your household — you get an invite code.

3. Your spouse registers and joins with the invite code → shared ledger, entries attributed per person.

4. More → Agents & API keys — create one API key per agent (one for you, one for your spouse's agent, etc.).

Connecting agents

Every operation is exposed two ways; both authenticate with a per-user API key. The key's owner is recorded as the payer on entries the agent makes.

MCP (Claude, ChatGPT, and any MCP-capable agent)

Streamable-HTTP endpoint at https://your-host/mcp — 26 tools (add_transaction, get_budget_status, get_portfolio, get_monthly_report, add_loan, get_zakat_summary, …).

# Claude Code
claude mcp add finance --transport http https://your-host/mcp --header "x-api-key: YOUR_KEY"

Authorization: Bearer YOUR_KEY also works for clients that only support bearer auth.

Hermes: since Hermes' mcp.json only takes command/args (no HTTP transport, no headers), point it at mcp-remote to bridge to the /mcp endpoint:

{
  "mcpServers": {
    "finance": {
      "command": "npx",
      "args": [
        "-y",
        "mcp-remote",
        "https://your-host/mcp",
        "--header",
        "x-api-key: YOUR_KEY"
      ]
    }
  }
}

Daily WhatsApp summary: schedule your agent (Hermes cron, Claude scheduled task, n8n…) to call get_daily_brief (or GET /api/v1/reports/brief) every morning — it returns yesterday's spending, month-to-date, budget-pace warnings, bills due within 7 days, open qarz and a zakat reminder, plus a ready-to-post text rendering for the family group.

REST (Hermes, OpenClaw, scripts, anything)

Same operations at /api/v1/* with the x-api-key header — e.g. your WhatsApp Hermes agent logs an expense with:

curl -X POST https://your-host/api/v1/transactions \
  -H "x-api-key: YOUR_KEY" -H "content-type: application/json" \
  -d '{"type":"expense","amount":2500,"category":"Groceries","note":"Imtiaz weekly run"}'

Resources: transactions, categories, budgets (+ /budgets/status), accounts, portfolio, holdings, instruments, prices (+ /prices/refresh), loans (+ /:id/payments), recurring, reports/monthly, reports/overview?period=week|month|quarter|year&offset=-N (or ?from=YYYY-MM-DD&to=YYYY-MM-DD for a custom range — totals, previous-period comparison, trend buckets, category/member breakdowns; also the get_report MCP tool), zakat, household. Amounts are PKR; dates are YYYY-MM-DD (Asia/Karachi).

Price data (automatic)

A daily job (18:30 & 22:00 PKT) fetches:

• PSX stocks — closing price from dps.psx.com.pk (unofficial endpoint; fails soft).

• Mutual funds — daily NAVs scraped from the MUFAP NAV table. When adding a fund, use the exact fund name as it appears there (e.g. Al Meezan Mutual Fund, Mahaana Islamic Cash Fund).

• Other assets (gold, property…) — manual valuation via Set price; manual prices always win over fetched ones.

Recurring bills materialize into the ledger on their due day (00:15 PKT, with catch-up after downtime).

Going public with Cloudflare Tunnel

To reach the app (and its /mcp endpoint) from anywhere — phones, WhatsApp agents — without opening ports:

1. Add your domain to Cloudflare (free plan is fine).

2. Zero Trust dashboard → Networks → Tunnels → Create a tunnel → Cloudflared connector → name it (e.g. hisaab).

3. On the connector page pick Docker, copy the token from the shown command, and put it in .env as TUNNEL_TOKEN=....

4. Add a Public hostname: hisaab.yourdomain.com → service HTTP → app:3000.

5. Update .env:

   APP_URL=https://hisaab.yourdomain.com
   TRUSTED_ORIGINS=http://localhost:9700     # keep local login working (match your APP_PORT)

6. docker compose --profile public up -d --build

7. Register your household members at the public URL, then set DISABLE_SIGNUPS=true in .env and restart — no strangers can create accounts on your instance.

Agents then connect to https://hisaab.yourdomain.com/mcp (header x-api-key) from anywhere.

Development

docker compose up -d db          # Postgres on localhost:5433
npm install
npm run dev                      # API + SPA-serving on :3000 (PORT=3001 to change)
npm run dev:web                  # optional: Vite dev server with HMR, proxies /api → :3001
npm run db:generate              # regenerate SQL migration after editing src/db/schema.ts
npm run typecheck && npm run build
npm test                         # integration + unit tests (vitest, real Postgres, no network)
npm run test:e2e                 # Playwright browser tests against a fresh e2e database

Auth tables (src/db/auth-schema.ts) are generated: npx @better-auth/cli generate --config scripts/auth-config.ts --output src/db/auth-schema.ts.

Layout: src/services/ holds all business logic; src/routes.ts (REST) and src/mcp.ts (MCP tools) are thin wrappers over the same services, so the two surfaces can't drift.