Smart Treasury

Accounts

• 12 account types: bank
• recurring deposit (DPS)
• fixed deposit/CD (FDR)
• savings bond (Sanchayapatra)
• brokerage (share)
• business
• petty cash
• cash
• mobile wallet
• receivable
• other asset
• loan
• Each account stores bank name
• branch
• account number
• holder
• nominee
• opening date and balance
• interest rate
• compounding frequency
• tenure
• installment
• maturity date
• maturity amount (bank's figure or auto-calculated)
• tax withheld
• card colour
• Account groups for organising (e.g. 'Family'
• 'Business') with group-level balance totals
• Account detail screen shows running balance
• recent transactions
• maturity countdown (for deposits)
• holdings and gains (for shares)

Transactions

• Deposits
• withdrawals
• income
• expenses
• interest
• dividends
• fees
• tax
• adjustments
• Transfers between user's own accounts (deposit installments and loan payments included); transfers never counted as income or expense
• Each transaction has account
• date
• amount
• direction (in/out)
• category
• description
• optional transfer link
• Transactions created by share trades have link_id to the trade record
• Filter by account
• date range
• category
• direction; search by description

Statement

• Any account
• account group or account type
• for any date range
• Shows opening balance
• running balance per transaction
• total credit and debit
• closing balance
• Exports to PDF
• Excel (.xlsx) or print
• Statement generation uses dependency-free .xlsx writer (ZIP + SpreadsheetML) in src/main/xlsx.js

Deposits & Maturity

• Countdown to each maturity (recurring deposits
• fixed deposits
• savings bonds)
• Expected vs bank-quoted maturity amount
• with compound interest calculation (daily
• monthly
• quarterly
• half-yearly
• yearly compounding)
• Tax withheld on interest (configurable rate per account)
• Accrued interest to date for each deposit
• Maturity badge in sidebar when any deposit matures within 30 days

Investments (Shares)

• Share buy/sell log in Trades table; holdings and average cost derived from it
• Latest traded price per symbol in Prices table (manual entry or paste from broker)
• Realised gains (from closed positions) and unrealised gains (from open holdings)
• Holdings screen shows symbol
• quantity
• average cost
• current price
• market value
• gain/loss
• gain %
• Investments screen aggregates all brokerage accounts with total market value and total gain

Financial Analysis

• Net worth trend (monthly snapshots over 12 months)
• Income vs expenses (monthly bar chart)
• Account-type breakdown (pie chart: bank
• deposits
• shares
• business
• cash
• loans)
• Top income and expense categories (bar charts)
• All charts use Chart.js 4.5.1 with custom theme (chart-theme.js) matching app light/dark mode

Backup & Restore

• Automatic daily backup of encrypted vault + offline cache to local backup folder (default: 7 backups kept)
• Manual backup on demand (exports vault + cache as .stbackup file)
• Restore from any .stbackup file (replaces current vault and cache
• requires master password)
• Backup folder location shown in settings; reveal in file manager button
• Backup payload includes vault (encrypted Google connection)
• offline cache (last synced data)
• lockout state

Security & Session

• Master password encrypts Google service-account key and Sheet link (AES-256-GCM
• scrypt key derivation with N=32768
• r=8
• p=1)
• Session auto-locks after 15 minutes idle (configurable 5–60 min) or when OS locks
• Unlock throttled to one attempt per second; 5 wrong attempts in 60 s → 60 s lockout (exponential backoff)
• Access control enforced in main process: while locked
• no data channel answers (ipc.js ACCESS.SESSION
• ACCESS.VAULT levels)
• Activity log (Log table) records logins
• password changes
• backups
• restores
• important edits with timestamp and description
• Password strength meter on setup and change-password screens; optional password hint (stored unencrypted)

Google Sheets Integration

• Database is user's own Google Sheet: one tab per table (Accounts
• Transactions
• Trades
• Prices
• Settings
• Log)
• row 1 = column names
• column A = record id
• Service-account OAuth (RS256 JWT
• google-auth.js) with token refresh 5 min before expiry
• SheetsClient (sheets.js) ensures missing tabs/headers on first connect
• reads all rows
• upserts/removes/replaces rows via Sheets v4 REST API
• Offline cache (last synced data) in local data folder; app works offline with read-only mode until connection returns
• Sync on demand (refresh button) or automatic on data change; conflict detection (server wins
• local changes rejected with warning)

Settings & Preferences

• Currency (33 built in: USD
• EUR
• GBP
• INR
• BDT
• PKR
• LKR
• NPR
• AED
• SAR
• etc.; or type custom symbol)
• Number grouping: International (1
• 234
• 567) or South Asian (12
• 34
• 567)
• Banking terms: International (fixed deposit
• recurring deposit
• savings bond
• brokerage account) or South Asian (FDR
• DPS
• Sanchayapatra
• BO account)
• Theme: light
• dark or system (persisted in localStorage; applies to window title bar on Windows)
• Privacy mode: hides all amounts and balances (toggle with Ctrl+H or eye icon in title bar)
• Auto-lock timeout (5–60 minutes)
• backup retention (1–30 days)
• Change master password (requires current password); reset connection (removes vault
• cache
• lockout file; Google Sheet untouched)