2026 · product

Ferni Finance

live site
scroll
6-in-1financial tools

A personal finance app for Canadian women starting their first career job. Includes a budget tracker, a salary calculator with real Canadian tax across all 13 provinces and territories, savings goals, and a first-job checklist.

Next.js 16SupabaseTypeScriptFramer Motion

the problem

Starting a first career job in Canada means navigating a mess of overlapping questions with no single source of truth: what does take-home look like after CPP and EI? How much goes in a TFSA vs RRSP? How do you build a first budget? The existing apps didn't speak Canadian, none of them connected the dots, and none of them were built for women landing their first full-time salary.

the approach

Six interconnected modules on a Supabase/PostgreSQL backend with row-level security, sharing one user record across all modules. The salary calculator covers all 13 provinces and territories with 2025 federal and provincial rates, CPP and EI contributions, and RRSP impact projection. The budget tracker connects to savings goals so users always see their full financial picture. A Learn Hub with 16 financial lessons and a 40-term glossary means the app teaches, not just tracks.

how it happened

the process

01

Designed the Supabase schema first: all six modules share one user record with row-level security so the budget section can reference the salary calculation and goals can pull from both

02

Built the Canadian tax calculator from scratch: 2025 federal brackets, all 13 provincial and territorial rate tables, CPP contributions, EI premiums, and RRSP impact projection, verified against CRA tables

03

Implemented the budget tracker with income/expense categories, recurring bill flagging, and real-time connection to savings goals so shortfalls are visible immediately

04

Built five savings goal templates (emergency fund, TFSA maxout, first home FHSA, student debt payoff, parental leave), each with progress milestones and animated completion state

05

Shipped a 40-term financial glossary with inline FinTooltip: hover any term like TFSA, RRSP, or CPP for a plain-language definition without leaving the page

what came of it

A complete financial companion from first paycheck to TFSA maxout. The salary calculator covers every Canadian province, every pay frequency, and shows the real cost of RRSP contributions on net income. Over 40 terms defined inline with FinTooltip so no one has to leave the page to look something up.

built with

Next.js 16SupabaseTypeScriptFramer Motion
live site
want to work together? →

next up

03Konfer Landing