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Investec - LifePilot #21

@randallerasmus

Description

@randallerasmus

Project Name

LifePilot

Your Name or Team

Randall Erasmus

Repository/Code Link

https://github.com/randallerasmus/lifepilot-frontend & https://github.com/randallerasmus/investec-life-pilot

Live Demo (if any)

No public live demo yet - But can run it locally as per screenshots.

Description

LifePilot is a financial wellness MVP built on top of the Investec Programmable Banking API.

The project helps a user understand whether a major life decision is affordable before committing to it. It combines live banking data with a budgeting and coaching module to estimate safe-to-spend amounts, highlight financial pressure, and simulate the
monthly impact of life events.

The current MVP includes:

  • Investec account configuration and token checks
  • Account listing, balance retrieval, and transaction retrieval
  • A Money Coach module that calculates safe-to-spend based on balance, bills, and savings goals
  • Deterministic coaching advice with risk levels such as critical, tight, and healthy
  • A LifePilot scenario simulator for estimating the monthly impact of life changes
  • A React frontend running locally, backed by a Java Spring Boot API

The main benefit of the build is that it moves beyond simple balance checking and starts answering a more useful question: "Can I actually afford this decision?" That makes it a good foundation for future work in proactive money guidance and life-event
planning.

Screenshots or GIFs

Image Image Image

How to Run/Use It

Backend:

.\mvnw.cmd spring-boot:run                                                                                                                                                                                                                                        
                                                                                                                                                                                                                                                                  
Frontend:                                                                                                                                                                                                                                                         
                                                                                                                                                                                                                                                                  
npm install                                                                                                                                                                                                                                                       
npm run dev                                                                                                                                                                                                                                                       
                                                                                                                                                                                                                                                                  
Environment variables required for backend:                                                                                                                                                                                                                       
                                                                                                                                                                                                                                                                  
- INVESTEC_CLIENT_ID                                                                                                                                                                                                                                              
- INVESTEC_CLIENT_SECRET                                                                                                                                                                                                                                          
- INVESTEC_API_KEY                                                                                                                                                                                                                                                
                                                                                                                                                                                                                                                                  
Optional:                                                                                                                                                                                                                                                         
                                                                                                                                                                                                                                                                  
- OPENAI_API_KEY                                                                                                                                                                                                                                                  
- OPENAI_MODEL                                                                                                                                                                                                                                                    
                                                                                                                                                                                                                                                                  
Default backend URL:                                                                                                                                                                                                                                              
http://localhost:8080                                                                                                                                                                                                                                             
                                                                                                                                                                                                                                                                  
Example backend checks after startup:                                                                                                                                                                                                                             
                                                                                                                                                                                                                                                                  
- GET /api/investec/config-check                                                                                                                                                                                                                                  
- GET /api/investec/token-check                                                                                                                                                                                                                                   
                                  

### Code of Conduct

- [x] I agree to follow the Investec Developer Community Code of Conduct

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