MyMidas

A self-hosted, single-user personal finance tracker built for security and completeness. Combines budgeting, investment tracking, and ML-powered predictions in one application — things that no single open-source tool does together.

Runs entirely on your own hardware via Docker Compose. Designed for LAN access with VPN for remote, behind an existing reverse proxy (nginx proxy manager, Caddy, etc.).

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Features

Accounts & Transactions

• Multiple account types: Checking, Savings, Cash ISA, Stocks & Shares ISA, Credit Card, Investment, Pension, Crypto Wallet, Loan, Mortgage, and more
• Full transaction history with categories, tags, merchant tracking, and notes
• Transfer detection between accounts
• Recurring transaction rules (rrule)
• Receipt and document attachments on transactions (JPEG, PNG, WebP, PDF — up to 10 MB each)
• CSV import with auto-detection for 10 UK bank formats: Monzo, Starling, Revolut, Barclays, Lloyds, NatWest, HSBC, Santander, Nationwide, and generic fallback
• SHA-256 deduplication prevents re-importing the same transactions

Budgets

• Monthly, weekly, quarterly, and yearly budget periods
• Per-category budget tracking with rollover support
• Visual radial gauges showing spend vs. budget
• Configurable alert threshold (default 80%)

Investments

• Portfolio tracking with holdings and buy/sell/dividend/split transactions
• Live price feeds: stocks and ETFs via yfinance, crypto via CoinGecko (refreshed every 15 minutes)
• Hourly FX rates for multi-currency conversion to GBP base
• TWRR and MWRR performance metrics
• Capital gains reporting (short/long-term by tax year)
• OHLCV candlestick charts per asset
• Allocation treemap across the full portfolio

Reports

Seven report views:

1. Net Worth over time (area chart with time slider)
2. Income vs. Expense (bar chart)
3. Cash Flow (waterfall)
4. Category Breakdown (pie with drilldown)
5. Budget vs. Actual
6. Investment Performance
7. Spending Trends

Export to CSV and PDF.

ML Predictions

Four prediction engines, all running locally:

Engine	Algorithm	Output
Spending Forecast	Meta Prophet per category; SARIMA fallback	90-day forecast with 80%/95% confidence bands
Net Worth Projection	Holt-Winters ExponentialSmoothing	1/3/5-year fan chart, 3 scenarios (conservative/base/optimistic)
Monte Carlo Portfolio	Geometric Brownian Motion + Cholesky covariance	1,000–5,000 simulations, P10–P90 percentile paths
Budget Forecast	Velocity-based daily projection + normal CDF	Probability of overspend per category this month

Plus a 30-day cash flow forecast with negative-balance risk flagging.

Themes

Seven selectable UI themes — pick from the top bar:

Theme	Style
Obsidian	Dark slate, blue-grey accents
Arctic	Clean light with ice-blue tones
Midnight	Deep navy with cyan highlights
Vault	Forest green, financial gravitas
Terminal	Phosphor green on black, scanline overlay, monospace
Synthwave	Neon pink/purple, grid lines, Orbitron headings
Ledger	Warm paper, serif typography, ruled lines

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Security

Ten independent security layers:

1. Network isolation — Postgres and Redis are on an internal Docker bridge, never exposed to the host
2. TLS — handled upstream by your reverse proxy; internal traffic is HTTP (LAN-only)
3. Security headers — CSP, HSTS, X-Frame-Options DENY, X-Content-Type-Options, form-action, Permissions-Policy
4. CSRF — double-submit cookie on all mutating endpoints
5. Authentication — Argon2id password hashing; RS256 JWT (15-min access + 7-day HttpOnly refresh cookie); TOTP (RFC 6238) with backup codes; brute-force lockout (exponential backoff via Redis)
6. Rate limiting — Redis sliding window: 10/min on auth, 10/min on TOTP, 20/min on predictions, 300/min general API
7. Field-level encryption — AES-256-GCM on all PII fields (account names, transaction descriptions, merchant, notes, TOTP secret); IV ‖ ciphertext ‖ tag stored in bytea
8. Database encryption — pgcrypto as a second layer on backup dumps
9. Row-level security — PostgreSQL RLS policies enforce user isolation at the DB layer; buggy queries cannot leak another user's data
10. Audit log — every auth event and data mutation is written to an append-only audit_logs table; the app role has no UPDATE/DELETE on it

Single-user hardening: registration is permanently disabled after the first account is created. Re-enable with ALLOW_REGISTRATION=true if needed.

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Tech Stack

Layer	Technology
Backend	Python 3.12, FastAPI, SQLAlchemy 2.0 async
Frontend	React 18, TypeScript, Vite, TanStack Query v5
Styling	Tailwind CSS v4, shadcn/ui primitives
Charts	Recharts (standard), Plotly (Monte Carlo, candlestick)
Database	PostgreSQL 16 with pgcrypto and RLS
Cache / Sessions	Redis 7
ML	Prophet, statsmodels, NumPy, SciPy
Background jobs	APScheduler (in-process)
Containerisation	Docker Compose

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Getting Started

Prerequisites

• Docker and Docker Compose
• An existing reverse proxy (nginx proxy manager, Caddy, Traefik, etc.) pointing at port 8090

1. Clone and configure

git clone https://git.rdx4.com/megaproxy/MyMidas.git
cd MyMidas
cp .env.example .env

Edit .env and fill in every value:

# 32-byte hex key — generate with:
# python3 -c "import secrets; print(secrets.token_hex(32))"
ENCRYPTION_KEY=

# Strong random passwords
DB_PASSWORD=
REDIS_PASSWORD=
BACKUP_PASSPHRASE=

BASE_CURRENCY=GBP
ENVIRONMENT=production
ALLOW_REGISTRATION=false   # set true only for initial account creation

2. Generate JWT keys

mkdir -p secrets
openssl genrsa -out secrets/jwt_private.pem 4096
openssl rsa -in secrets/jwt_private.pem -pubout -out secrets/jwt_public.pem

3. Start

docker compose up -d --build

All four containers start: backend, frontend, postgres, redis.

4. Create your account

Temporarily set ALLOW_REGISTRATION=true in .env, restart the backend, register, then set it back to false:

# In .env: ALLOW_REGISTRATION=true
docker compose up -d backend

# Register via the web UI, then:
# In .env: ALLOW_REGISTRATION=false
docker compose up -d backend

5. Point your reverse proxy

Forward your domain to http://<host>:8090. The frontend is served from port 4000 internally but the backend proxies frontend assets — point everything at 8090.

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Backups

Encrypted nightly backup runs automatically at 3 AM:

# Manual backup
docker compose exec -e BACKUP_PASSPHRASE="$BACKUP_PASSPHRASE" backend bash scripts/backup.sh

# List backups
docker compose exec backend bash scripts/restore.sh --list

# Restore
docker compose exec -e BACKUP_PASSPHRASE="$BACKUP_PASSPHRASE" \
  -e DATABASE_URL="$DATABASE_URL" \
  backend bash scripts/restore.sh 20240101_030000.sql.gz.gpg

Backups are stored in ./data/backups/ and retained for 30 days.

Key Rotation

To rotate the AES-256-GCM encryption key without data loss:

# Generate new key
NEW_KEY=$(python3 -c "import secrets; print(secrets.token_hex(32))")

# Stop the app, rotate, update .env, restart
docker compose stop backend
NEW_ENCRYPTION_KEY="$NEW_KEY" ./scripts/rotate_keys.sh
# Update ENCRYPTION_KEY in .env to $NEW_KEY
docker compose up -d backend

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Environment Variables

Variable	Description	Default
ENCRYPTION_KEY	32-byte hex key for AES-256-GCM field encryption	required
DB_PASSWORD	PostgreSQL password	required
REDIS_PASSWORD	Redis password	required
BACKUP_PASSPHRASE	GPG symmetric passphrase for backup encryption	required
BASE_CURRENCY	ISO 4217 base currency	GBP
ENVIRONMENT	production or development	production
ALLOW_REGISTRATION	Enable new account creation	false

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Project Structure

MyMidas/
├── backend/
│   ├── app/
│   │   ├── api/v1/          # REST endpoints
│   │   ├── core/            # Security, encryption, middleware, rate limiting
│   │   ├── db/              # Models, migrations, repositories
│   │   ├── ml/              # Prediction engines
│   │   ├── services/        # Business logic
│   │   └── workers/         # Scheduled jobs (price sync, FX, snapshots, backups)
│   └── alembic/             # Database migrations
├── frontend/
│   └── src/
│       ├── api/             # Typed API client
│       ├── components/      # Shared UI components
│       ├── pages/           # Route-level page components
│       └── store/           # Zustand state (auth, UI/theme)
├── postgres/init/           # PostgreSQL init SQL (extensions, RLS policies)
├── scripts/                 # backup.sh, restore.sh, rotate_keys.sh
├── secrets/                 # JWT keys (git-ignored, generate locally)
└── docker-compose.yml

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Licence

Personal use. Not intended for public deployment or multi-user hosting.