Simplicity.

What it is

Simplicity ingests every account through Plaid, classifies every transaction in real time, and gives the user a budget simulator that lets them model cuts and growth scenarios before committing. The difference between a ledger and an operating system.

What I built

Every layer is mine. Next.js 16 frontend, Postgres backend with hand-tuned indexes, Plaid ingestion engine, Stripe payment rails, the simulation logic, the admin command deck (Sovereign), and the design system that holds it together.

• 01Server-action batching that collapsed 13 round-trips into one
• 02Postgres index design that took a 13s query down to 30ms
• 03A budget simulator with what-if cuts, debt payoff, growth projections
• 04An admin command deck (Sovereign) for live cohort + anomaly signal

What it took

Months of solo work, refusing to compromise on either the surface or the system underneath. Most of the hard problems weren't features — they were getting cold-load down from 21s to 3.5s, getting the cards to feel like glossy zinc instead of plastic, getting the ETL pipelines right.