Sakku 2.0 — Personal & Household Finance
Privacy-first personal and household financial system with local-first offline architecture, rule-based conversational transaction input, and envelope budgeting.
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System Architecture Diagram
Sakku 2.0 Personal & Household Finance Architecture
Local-first personal finance PWA linking personal & household balances with rule-based conversational text parsing and envelope budgeting.
Catat Cepat Input
Conversational Client
Indonesian Regex Parser
Text & Amount Classifier
Envelope Budget Allocator
Cap & Spending Ratios
Wealth & Net Worth Hub
Multi-Account Calculator
Catat Cepat Input
Conversational Client
Users type informal conversational notes (e.g. 'Makan siang 35rb pakai GoPay').
Interactive Personal Finance Demo (Rule-Based Conversational Input & Envelope Budgeting)
Live Interactive ComponentSakku 2.0 — Interactive Wealth Engine
Zero-Knowledge Local-First Architecture · Natural Language Tokenizer · Envelope Budgeting
Multi-Account AggregatorReal-Time Sync
Visual Envelope Budgeting
Zero-Based MethodSemua data finansial diproses 100% di browser pengguna (*Local-First Storage*). Tanpa server database pihak ketiga, tanpa pelacakan, dan tanpa risiko kebocoran credential perbankan.
Project Narrative & Background
Sakku 2.0 is a privacy-first personal and household financial tool built on the philosophy of 'Privacy-First, Zero-Latency, Zero-Subscription'. Unlike conventional FinTech applications that monetize user data or charge recurring fees, Sakku 2.0 stores data locally on the user's device while providing structured budgeting metrics, rule-based conversational transaction parsing, visual envelope budgets, and multi-wallet balance tracking.
Architectural Context: Privacy-first personal and household financial tool delivering spending visibility with zero monthly subscriptions and local-first data storage.
The Operational Challenge
Providing clear household expense tracking (balance, savings rates, multi-wallet balance tracking, envelope allocations) with client-side local storage and zero cloud tracking.
The Engineering Solution
Built Sakku 2.0: A high-performance Local-First PWA featuring rule-based conversational 'Catat Cepat' transaction input, visual envelope budgeting, multi-wallet balance tracking, and local client-side storage.
Key Architectural & Design Decisions
- 01Committed to a strict Local-First storage paradigm to eliminate third-party data collection.
- 02Built a deterministic Indonesian regex tokenizer for conversational amounts ('25rb', '12jt', 'Makan siang 35rb via GoPay').
- 03Modeled household cash flow after the proven Envelope Budgeting methodology to curb impulse spending effectively.
Key Deliverables & System Capabilities
- Live PWA personal finance tool deployed at sakku.ahlulfirdaus.com
- Rule-based conversational 'Catat Cepat' transaction parser with automated Indonesian amount and category detection
- Visual Envelope Budgeting Engine with dynamic spending limit meters
- Multi-Wallet Balance & Net Balance Tracker (Cash, BCA, GoPay, Jago, Savings & Liabilities)
- Budget Telemetry (Net Balance, Savings Rate %, 6-Month Cash Flow & Expense Breakdown)
- Zero-Knowledge Local-First architecture storing data exclusively in client-side storage
- One-click JSON backup and restore protocols for complete data ownership
Project Outcome & Operational Impact
Live and deployed at sakku.ahlulfirdaus.com, empowering users with clear household budgeting visibility, zero tracking, and zero subscription overhead.