Ducat
Another finance dashboard! Track spend and budget, save them Ducats.
Ducat uses Akahu to read your bank, card, KiwiSaver and investment accounts each night and builds one view of the household’s money.
Built for couples on the same financial journey, or individuals that want better tracking without having to pay for the app.
Use the repo, have your agents remix it to fit your needs, this is a starting point, not the end destination.
You don’t type anything in. This is built for a fortnightly or monthly check up, not a daily obsession, and has been built to work when you need it.
Built to be forever free, on your own Vercel, Neon and Akahu accounts.
Overview
Below the chart sit this month’s savings rate against your target, what you’ve spent against budget, and a date for your goal. The switch in the corner changes every figure between Combined and each person.
Spend
Each category against its budget for the month. Akahu tags every transaction with a merchant and a category, so there’s nothing to sort by hand.
Paying off a credit card is treated as a transfer and left out of spending.
Invest
Every investment and KiwiSaver balance, with a projection you can drag to see where they could be in 10, 20 or 30 years.
Settings
New accounts you connect in Akahu appear here on their own after the next sync.
Budget targets and the goal live here too.
Is it safe?
Your bank login stays with Akahu, New Zealand’s open banking service.
Ducat only holds a read-only token, and that token can’t move money. It stores balances and transactions.
It never stores account numbers, card numbers or passwords.
You own every piece of this.
How to use it
Start with the demo. Press View the demo and click around, see if you like it.
The easiest option is to give Claude Code, Codex, Cursor or another AI coding assistant a link to the repo. Ducat has been built so it can walk you through every step of the setup with you.
To run it on your own accounts:
- Sign up at my.akahu.nz. You’ll need photo ID and an authenticator app. Connect your banks, then create a personal app to get your two tokens.
- Fork the repo on GitHub.
- Create a free database at Neon and import your fork into Vercel.
- Follow the README for the config and environment variables.
Note, to keep it free, a couple needs two Akahu accounts, one each.
Allow about half an hour once Akahu has verified you.
Running it costs nothing.