[ANN] MOONRUST - Personal Finance Operating System

First I want to thank jayce for designing this ANN above for me.

Now my own comments about this app:

> What the hell is this

This is an app I started coding in November 2025. It is an app to track your assets, income, expenses, receivables, debts; analyze your financial situation, stocks and your future itself.

It is the combination of roughly 20 separate apps and these small apps talk to each other and create (even more) meaningful output.

This is the mental model which I use to track and manage my own investments exported into a single app. It is a brain export. (and it is not done, not even close) I use this to manage my assets as well as to pick stocks. Calculate my cash-flow and make financial decisions based on my liquidity.

Have I coded this madness myself? Hell no. I created this using Chatgpt. Yes, no shame in that. I used the shit out of it. Millions of tokens went into this thing.

Is it free? Yes currently it is free to use. (except for the AI usage) All you need to do is create an account and enjoy. I will have to expand featureset for paid users eventually but currently everything is free. You only pay for quality of life features (like instant calculations instead of joining a queue) but they are optional. (I use a self-hosted Btc-pay server for in app credit purchases)

One beauty of this app is that if you happen to purchase your assets using a non-USD currency (like GBP, EUR or even TRY), everything gets normalized to USD. That's something I usually don't find available in other portfolio tracking apps.

Currently there is S&P500 stocks available but If I happen to find a reliable API provider, I might add other markets as well but I don't think people are much interested in those non-US stocks anyway.

Anyway, here is the (current) complete list of features:

Quote from: generated via chatgpt

Moonrust – Personal Finance OS

Moonrust is a personal finance operating system built around accuracy, transparency, and long-term decision-making. It combines portfolio tracking, macro-aware analytics, automation, and optional AI assistance — while remaining fully non-custodial and user-controlled.

Core Portfolio Tracking

Multi-asset support:
Stocks (US markets only for now)
ETFs (US markets only for now)
Crypto
Cash (multi-currency)
Bonds / Eurobonds
Metals

Market-aware symbol handling (supports identical tickers across exchanges)
FX-correct valuation with historical FX lookup
Corporate-action-aware position math (splits, dividends, adjustments)
Temporal oversell prevention (no sell-before-buy allowed)
Manual transactions supported (strictly user-scoped)

Performance & Analytics

Flow-neutral performance analytics (cashflow-aware):

Time-Weighted Return (TWR)
CAGR
Performance metrics gated unless deposits/withdrawals are correctly tagged

Cash-adjusted NAV calculations
Yield-on-cost and trailing yield metrics
Net worth timeline with snapshot rebuilds
CPI-adjusted (“real”) analytics:

Nominal vs CPI-adjusted NAV toggle
Real total return and real CAGR (shown only when performance semantics are valid)
US CPI step/hold inflation adjustment

Portfolio health metrics:

Allocation balance
Leverage & buffer ratios
Liquidity / optionality indicators
Inflation drag vs income yield

Sector → industry → holding diversification flow analysis
Realized vs unrealized P/L separation
Stock Analyzer with manual fundamentals snapshots, AI paste normalization, FX-normalized analysis currency, quality/valuation scoring, and implied-growth expectations

Debt, Cashflow & Planning

Income and expense tracking
Receivables and debts with schedules, due dates, and status tracking
Debt benchmarking vs policy rates:

Effective APR vs central-bank policy rate
Rating at origination and vs current macro conditions
Supported currencies: TRY / USD / EUR / GBP

Automated Telegram reminders for debts and receivables
Cashflow summaries with projections
Cashflow Engineering simulator (installment float + cashback carry)
FIRE and net-worth simulators

Benchmarks & Macro Context

Built-in benchmark time series:

Fed / ECB / BoE / TCMB policy rates
US CPI
VIX

Macro data integrated directly into:

Analytics timeline
Portfolio health signals
Debt evaluation

Benchmarks are treated strictly as context — not performance claims

Automation & Background Jobs

Background job queue with:

Free and priority (paid) lanes
Credit-based execution
Admin-configurable pricing rules

Snapshot rebuilds
Bulk transaction imports
Full data exports
Bond coupon recalculations
Queue throttling, deduplication, and provider-aware pacing

Notifications & Integrations

Telegram integration:

Webhook-based delivery (production)
User-scoped daily notification caps
Debt / receivable reminders
Job completion notifications

BTCPay Server integration:

BTC payments for in-app credit top-ups
Idempotent webhook handling
Ledger-safe credit application

System health panel showing:

Server status and uptime
Database latency
Market data freshness
Telegram & BTCPay reachability
Build version and environment

AI Copilot (Optional)

Portfolio-aware AI assistant (opt-in)
Uses live portfolio, cashflow, debt, and analytics context

User-controlled limits:

Context size
Snapshot detail level
Maximum reply tokens

Credit-based usage (no subscriptions)
Server-side cost estimation
Volatility-buffered pricing
Automatic reconciliation and refunds when actual usage is lower
Multiple model support with per-model pricing multipliers
AI is analysis-only — never execution authority

Security, Ops & Architecture

Non-custodial by design (no brokerage access required)
User-scoped data isolation
TOTP-based 2FA with backup codes
Step-up verification for sensitive actions
Webhook endpoints isolated from auth middleware
Explicit UTC backend with user-configurable local timezones
Provider-level API throttling and usage tracking
No client-side pricing authority — server is the source of truth

Philosophy

Designed for long-term investors, not traders
Accuracy over speed
Context over raw numbers
Transparency over black boxes
Optional automation — never forced
Built as a financial lens, not a broker replacement

And here is a screenshot from the app, in moon mode:

I can't promise you that this app is going to make you rich but I can assure you that it will direct you to make smarter financial decisions.