This MVP was autonomously generated by MVP Factory v11 using a free-tier AI API (NVIDIA / Kimi K2.5). Simple logic runs for real. Complex external dependencies are stubbed so the app always works.

# Option A: Supabase (Postgres, free tier)
npm install @supabase/supabase-js
# In each route: import { createClient } from '@supabase/supabase-js'
# Replace the mock array with: const { data } = await supabase.from('table').select()

# Option B: PlanetScale (MySQL, free tier)
npm install @planetscale/database

Look for // TODO: replace with DB comments in src/app/api/**/route.ts

// In any API route, replace the hardcoded AI string with:
const res = await fetch('https://integrate.api.nvidia.com/v1/chat/completions', {
  method: 'POST',
  headers: { 'Authorization': `Bearer ${process.env.NVIDIA_API_KEY}`,
             'Content-Type': 'application/json' },
  body: JSON.stringify({
    model: 'moonshotai/kimi-k2.5',
    messages: [{ role: 'user', content: yourPrompt }],
    max_tokens: 1024
  })
});
const { choices } = await res.json();
return NextResponse.json({ result: choices[0].message.content });

Add NVIDIA_API_KEY=your_key to .env.local

npm install next-auth
# 1. Create src/app/api/auth/[...nextauth]/route.ts with your provider
# 2. Replace localStorage.setItem("auth_token",...) in auth/page.tsx with signIn()
# 3. Replace localStorage.getItem("auth_token") in dashboard/page.tsx with useSession()

npm install resend
# Replace the { sent: true } mock in notification routes with:
# await resend.emails.send({ from: 'you@domain.com', to: email, subject, html })

npm install stripe @stripe/stripe-js
# Replace demo payment routes with real Stripe checkout sessions

All the UI is already wired up. Every form already calls the right API route. You only need to swap the stubbed returns for real implementations.

Traditional budgeting apps shame users in poverty or ignore the reality of 'waiting for payday' survival scenarios where every cent and hour matters

• ❌ Decision fatigue when choosing between food and gas
• ❌ Overdraft fees cascading into debt spirals
• ❌ Lack of knowledge about local emergency resources
• ❌ Budgeting apps that assume stable income

Critical threshold 'Broke Mode' activation using Plaid webhooks that automatically categorizes transactions as 'essential' vs 'non-essential' and hides non-essential spending categories with visual lockout UI

Dynamic $1-2 meal plan generator using scraped local grocery prices from Kroger/Albertsons APIs with nutritional calculation and ingredient substitution logic for maximum calories per dollar

Real-time free resource mapper using Google Maps Places API to locate food banks, community fridges, and emergency shelters with walking/transit directions and operating hours validation

Harsh spending lockout mechanism with 24-hour cooling-off period for non-essential purchases requiring manual override confirmation and emergency contact notification

Payday countdown calculator with daily survival budget allocation algorithm that divides remaining funds by days until next deposit and suggests daily spending caps

Overdraft prediction engine using transaction pattern analysis to warn 48 hours before potential negative balance based on recurring bill schedules and current burn rate

A step-by-step breakdown of how each feature is built. Use this as your dev roadmap.

What it does: Critical threshold 'Broke Mode' activation using Plaid webhooks that automatically categorizes transactions as 'essential' vs 'non-essential' and hides non-essential spending categories with visual lockout UI

How to implement:

Potential enhancements:

• ⚡ Cache repeated lookups with unstable_cache or Redis
• 🔒 Add rate limiting to /api/critical-threshold-broke-mode-activation-using-plaid-webhooks-that-automatically-categorizes-transactions-as-essential-vs-non-essential-and-hides-non-essential-spending-categories-with-visual-lockout-ui (e.g. Upstash Ratelimit)
• 📱 Make the UI section responsive-first (mobile breakpoints)
• 📊 Log feature usage to analytics (Plausible / PostHog)
• 🧪 Add an integration test for the API route

What it does: Dynamic $1-2 meal plan generator using scraped local grocery prices from Kroger/Albertsons APIs with nutritional calculation and ingredient substitution logic for maximum calories per dollar

How to implement:

Potential enhancements:

• ⚡ Cache repeated lookups with unstable_cache or Redis
• 🔒 Add rate limiting to /api/dynamic-1-2-meal-plan-generator-using-scraped-local-grocery-prices-from-kroger-albertsons-apis-with-nutritional-calculation-and-ingredient-substitution-logic-for-maximum-calories-per-dollar (e.g. Upstash Ratelimit)
• 📱 Make the UI section responsive-first (mobile breakpoints)
• 📊 Log feature usage to analytics (Plausible / PostHog)
• 🧪 Add an integration test for the API route

What it does: Real-time free resource mapper using Google Maps Places API to locate food banks, community fridges, and emergency shelters with walking/transit directions and operating hours validation

How to implement:

Potential enhancements:

• ⚡ Cache repeated lookups with unstable_cache or Redis
• 🔒 Add rate limiting to /api/real-time-free-resource-mapper-using-google-maps-places-api-to-locate-food-banks-community-fridges-and-emergency-shelters-with-walking-transit-directions-and-operating-hours-validation (e.g. Upstash Ratelimit)
• 📱 Make the UI section responsive-first (mobile breakpoints)
• 📊 Log feature usage to analytics (Plausible / PostHog)
• 🧪 Add an integration test for the API route

What it does: Harsh spending lockout mechanism with 24-hour cooling-off period for non-essential purchases requiring manual override confirmation and emergency contact notification

How to implement:

Potential enhancements:

• ⚡ Cache repeated lookups with unstable_cache or Redis
• 🔒 Add rate limiting to /api/harsh-spending-lockout-mechanism-with-24-hour-cooling-off-period-for-non-essential-purchases-requiring-manual-override-confirmation-and-emergency-contact-notification (e.g. Upstash Ratelimit)
• 📱 Make the UI section responsive-first (mobile breakpoints)
• 📊 Log feature usage to analytics (Plausible / PostHog)
• 🧪 Add an integration test for the API route

What it does: Payday countdown calculator with daily survival budget allocation algorithm that divides remaining funds by days until next deposit and suggests daily spending caps

How to implement:

Potential enhancements:

• ⚡ Cache repeated lookups with unstable_cache or Redis
• 🔒 Add rate limiting to /api/payday-countdown-calculator-with-daily-survival-budget-allocation-algorithm-that-divides-remaining-funds-by-days-until-next-deposit-and-suggests-daily-spending-caps (e.g. Upstash Ratelimit)
• 📱 Make the UI section responsive-first (mobile breakpoints)
• 📊 Log feature usage to analytics (Plausible / PostHog)
• 🧪 Add an integration test for the API route

What it does: Overdraft prediction engine using transaction pattern analysis to warn 48 hours before potential negative balance based on recurring bill schedules and current burn rate

How to implement:

Potential enhancements:

• ⚡ Cache repeated lookups with unstable_cache or Redis
• 🔒 Add rate limiting to /api/overdraft-prediction-engine-using-transaction-pattern-analysis-to-warn-48-hours-before-potential-negative-balance-based-on-recurring-bill-schedules-and-current-burn-rate (e.g. Upstash Ratelimit)
• 📱 Make the UI section responsive-first (mobile breakpoints)
• 📊 Log feature usage to analytics (Plausible / PostHog)
• 🧪 Add an integration test for the API route

User Request
      │
      ▼
  Next.js Edge ──► API Route ──► Business Logic ──► Data Store
      │                               │
  React UI ◄────────────────── Response / JSON
      │
  Real-time UI Update

MVP Factory Validation Report — 2026-03-02
═══════════════════════════════════════════════════════

✅ PASS  Market Demand             █████████░ 9/10
✅ PASS  Competition Gap           ████████░░ 8/10
✅ PASS  Technical Feasibility     ███████░░░ 7/10
✅ PASS  Monetization Potential    ██████░░░░ 6/10
✅ PASS  Audience Fit              █████████░ 9/10

─────────────────────────────────────────────────────
         OVERALL SCORE  ████████░░ 8/10
         VERDICT        🟢 BUILD — Strong market opportunity
         TESTS PASSED   5/5
═══════════════════════════════════════════════════════

Why this works: Exceptional social proof (1247 upvotes) validates severe pain point. Unique 'survival mode' angle with psychological guardrails differentiates from YNAB/Mint which optimize abundance, not scarcity. Technical complexity is manageable with Plaid integration. Monetization via ethical ads (credit unions, gov assistance) avoids extracting from the poor while maintaining accessibility. Massive TAM (78% of Americans live paycheck-to-paycheck).

Unique angle: 💡 Only budgeting app that treats extreme poverty as a temporary emergency state requiring 'triage mode' rather than shame, with harsh lockout mechanisms and local survival resource integration

Competitors analyzed: YNAB (You Need A Budget), Mint (Intuit Credit Karma), PocketGuard

Next.js 14 App Router + TypeScript + TailwindCSS + Lucide-react

# Clone & install
git clone https://github.com/guyromb/brokemode.git
cd brokemode
npm install

# Start development
npm run dev
# → http://localhost:3000

# Build for production
npm run build
npm start

# Add your keys here
NEXT_PUBLIC_APP_NAME=BrokeMode

Contributions are welcome! Here's how:

1. Fork the repo
2. Create your branch: git checkout -b feature/amazing-feature
3. Commit: git commit -m 'Add amazing feature'
4. Push: git push origin feature/amazing-feature
5. Open a Pull Request

MIT License — see LICENSE for details.