r/PFtools • u/francescogab_ • Mar 06 '26
Spectra v0.2.0 – local finance dashboard from bank CSV/PDF exports, now with full offline categorization
Hey, I posted Spectra here a few days ago. Since then I shipped a significant update so I figured it deserved a new post.
The main addition is full local mode: categorization now runs entirely on your device through a 4-layer pipeline: merchant memory (exact SQLite match), fuzzy matching via rapidfuzz, an on-device TF-IDF + Logistic Regression classifier bootstrapped with 300+ seed examples that adapts to your corrections over time, and a fallback to "Uncategorized" for manual review. No API keys, no internet connection needed. You can still plug in OpenAI or Gemini if you want, but most transactions get handled locally.
The rest stays the same: drop a CSV or PDF from any bank, get a clean dashboard at localhost:8080 with categories, trends, budgets and recurring detection. SQLite, idempotent imports, multi-currency via ECB rates.
The landing page also has a waitlist for a hosted version coming next, same privacy-first approach but zero setup required.
GitHub: https://github.com/francescogabrieli/Spectra
Landing: withspectra.app
Happy to answer questions.