Bank of Gaga: Keeping Family Loans Friendly
Replaces awkward IOUs and messy spreadsheets with clear loan contracts, automatic math calculations, and friendly reminders.
Bank of Gaga Dashboard Screenshot
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Project Tech Stack
What I Built
Bank of Gaga is a family loan management portal. It lets family members set up real loan agreements with custom amortization rates, automatic payment schedules, and clear dashboards. It removes the awkwardness from lending money by letting the software handle the math and reminders.
The app is a complete subscription SaaS. It uses NextAuth for secure logging, Drizzle to manage database schemas, and Stripe webhooks to manage monthly ($7.99) and annual ($59.99) subscription billing.
The Core Concept
Lending money to family members is incredibly common, but it's usually tracked on random napkins or messy Excel sheets. This leads to forgotten balances, missed timelines, and awkward family dinner conversations.
I built Bank of Gaga to solve this using a double-sided user interface:
- For Lenders ("Gagas"): A highly legible, clear desktop interface. Gagas can view summaries, click to adjust payment terms, and export clean PDF loan records.
- For Borrowers: A mobile-first progress screen. Borrowers see when payments are due and receive friendly email alerts when a transaction is logged.
- Financial Literacy Arena: A mock stock market simulator. Borrowers (especially kids) can practice investing their pretend cash balance, adding a fun learning layer to debt tracking.
Key Technical Features
Amortization Engine
Runs compounding math directly in database updates to calculate principal vs. interest splits, letting users make extra payments or adjust terms mid-loan.
Secure Entry Rate-Limiters
Protects sensitive entry points (like signups, password resets, and invitation links) from brute-forcing using custom serverless Redis limits.
GA4 Attribution Tracking
Tracks subscription signups and correlates landing page flows to Stripe conversions using server-side analytics.
Email Reminders pipeline
Integrates Resend transactional API to dispatch balance notifications and monthly receipts automatically.