Strike Buffer

An income gap budget planner app idea: a cash buffer planner for months with less pay coming in. Weekend build with Next.js, Claude API, Tailwind and DuckDB, for employees and freelancers planning for unpaid time off or a gap in income.

See the spec
Why now

Why now

The Ask HN thread 'Tell HN: I'm going on strike this November' has people weighing unpaid time against their budgets. Builders can use DuckDB in the browser or on the server to run quick what-if scenarios on exported bank data. From the signals of the week of 26 Oct 2026.

The spec

The spec

Enter your monthly costs, savings and the weeks you expect to go without pay, and it shows how long your cash lasts and which expenses to cut first. It turns a vague worry about a pay gap into a dated plan.

Build time

WeekendBasic logic / CRUD · Level 2 of 5

Audience

Employees and freelancers planning for unpaid time off or a gap in income.

Stack

  • Next.js
  • Claude API
  • Tailwind
  • DuckDB

Fun factor

Dragging a slider for unpaid weeks and watching the runway date move makes a scary number feel manageable.

Core features

  • Monthly cost list with must-have and flexible tags
  • Runway calculator by number of unpaid weeks
  • Cut-list ordered by savings per week
  • Import a bank CSV to fill costs

AI features

  • Categorises CSV transactions into fixed, flexible and one-off costs
  • Suggests which subscriptions and bills to pause or negotiate, with a short reason each

Stretch goals

  • Compare several gap lengths side by side
  • Printable one-page plan
  • Reminders to call providers about hardship options

First version

A form that takes savings, costs and unpaid weeks, and shows the date your cash runs out with a suggested cut-list.

Build plan

Build plan

4 milestones, in the order you would build them. Saved ideas get this plan with checkboxes and notes.

Model the runwayCompute months of cash from savings, costs and expected income.
Start here
Add cost tagsLet users mark each cost as must-have or flexible.
Import a CSVParse transactions and have the model sort them into the tags.
Show the cut-listRank flexible costs by how many extra days of runway each frees.
The build prompt

The build prompt

Paste this into ChatGPT, Claude, Codex, or Cursor, then build the first version before anything else.

strike-buffer.prompt.md
# Build Strike Buffer

You are a senior full-stack engineer pairing with me on a side project. Build a working first version of the product described below. Read the whole brief before writing any code, then follow "How to work" at the end.

## The idea

**Strike Buffer.** Enter your monthly costs, savings and the weeks you expect to go without pay, and it shows how long your cash lasts and which expenses to cut first. It turns a vague worry about a pay gap into a dated plan.

**Why now:** The Ask HN thread 'Tell HN: I'm going on strike this November' has people weighing unpaid time against their budgets. Builders can use DuckDB in the browser or on the server to run quick what-if scenarios on exported bank data.

**Who it is for:** Employees and freelancers planning for unpaid time off or a gap in income

**What makes it fun:** Dragging a slider for unpaid weeks and watching the runway date move makes a scary number feel manageable.

## Scope

- **Build time:** Weekend. Size every decision to ship a working first version inside this window.
- **Technical ambition:** Level 2 of 5, "Basic logic / CRUD". A few screens over a simple data model with create, read, update, and delete. One lightweight persistence layer, no heavy infrastructure.
- **First version only.** Ship the core features below end to end. Stretch goals are listed so you can design around them, not build them.

## Core features (each must work end to end in the first version)

1. Monthly cost list with must-have and flexible tags
2. Runway calculator by number of unpaid weeks
3. Cut-list ordered by savings per week
4. Import a bank CSV to fill costs

## AI features

- Categorises CSV transactions into fixed, flexible and one-off costs
- Suggests which subscriptions and bills to pause or negotiate, with a short reason each

How to build them:
- Put every model call behind one server-side module with a typed interface, so the provider can change without touching the UI.
- Read API keys from environment variables only, and document each one in `.env.example`.
- Write prompts as versioned constants with clear instructions and an example of the expected output; parse and validate responses before using them.
- Handle timeouts, rate limits, and malformed output with a graceful fallback the user can understand. Stream responses where a wait would exceed a couple of seconds.
- Never let a feature depend on the model being perfect. Show the result, let the user edit or retry.

## Stretch goals (later, not in the first version)

- Compare several gap lengths side by side
- Printable one-page plan
- Reminders to call providers about hardship options

Leave clean seams for these (a module boundary, a nullable column, a feature flag), but do not implement them unless I ask.

## Tech stack

Use exactly: Next.js, Claude, Tailwind, DuckDB.

Stay on current stable versions, follow each tool's official conventions, and add a library only when the standard library or the chosen stack cannot do the job cleanly. If part of this stack is a poor fit for a specific requirement, say so and propose the smallest change.

## Owner's notes

Written by me, the project owner. Treat these as requirements and preferences that override the generated material above when they conflict.

The first version should be exactly this, and no bigger: A form that takes savings, costs and unpaid weeks, and shows the date your cash runs out with a suggested cut-list.

## Build plan (with saved progress)

0 of 4 steps complete. Resume at step 1: Model the runway. Before you start it, check what is already implemented so you do not repeat finished work.

1. **Model the runway** [not started]
   Compute months of cash from savings, costs and expected income.

2. **Add cost tags** [not started]
   Let users mark each cost as must-have or flexible.

3. **Import a CSV** [not started]
   Parse transactions and have the model sort them into the tags.

4. **Show the cut-list** [not started]
   Rank flexible costs by how many extra days of runway each frees.

## Definition of done for the first version

- [ ] Monthly cost list with must-have and flexible tags works end to end, with real data, not a placeholder.
- [ ] Runway calculator by number of unpaid weeks works end to end, with real data, not a placeholder.
- [ ] Cut-list ordered by savings per week works end to end, with real data, not a placeholder.
- [ ] Import a bank CSV to fill costs works end to end, with real data, not a placeholder.
- [ ] Every screen handles loading, empty, and error states.
- [ ] Typecheck, lint, and any tests pass, and the main user flow was exercised by hand.
- [ ] A README explains setup, environment variables, and how to run it locally.

## Quality bar

- Responsive from a phone to a desktop, keyboard-accessible, semantic HTML, visible focus states, labelled inputs, and sensible contrast.
- Loading, empty, and error states for every screen that reads or writes data. Errors say what happened and what to do next.
- Validate on the server, never trust the client, and keep secrets in environment variables with a committed `.env.example`.
- Type-safe end to end. No `any` without a comment explaining why.
- Small, readable modules named after what they do. No premature abstraction, no dead code, no TODOs left for later without a note.
- Sensible defaults over settings. If a choice is not in this brief, pick the simplest option that keeps the product coherent and say what you chose.

## How to work

1. **Read, then restate.** Summarize the product in three sentences and list your assumptions. Ask only the questions that block implementation. For everything else, decide and note the decision.
2. **Plan before code.** List the files and modules you will create, in build order, mapped to the core features. If a build plan is included above, use it instead: resume at the first step not marked done and check what already exists before touching it.
3. **Set up.** If a project already exists, inspect its code, instructions, and conventions first and build on them. Otherwise scaffold the stack above with linting, formatting, a typecheck script, `.env.example`, and a README stub.
4. **Model the data first.** Define the types, schema, and any migrations before the UI, so the shape of the product is settled early.
5. **Build in vertical slices.** Finish one core feature end to end (data, logic, UI) before starting the next. Keep the app runnable after every slice and commit each slice with a message that says what changed and why.
6. **Then the interface.** Apply the quality bar above to each screen as it lands, not as a final pass.
7. **Verify.** Run typecheck, lint, and tests. Exercise the main user flow by hand. Check each item in the definition of done and each acceptance criterion.
8. **Report.** Tell me what works, what you tested and how, what is not done, every setup step I must complete myself, and the three most useful next steps. Never claim a service, test, or flow was verified when it was not.

If you can edit and run the project, start implementing right after the short plan. If you cannot, give me concrete code and the exact commands to run for the next step.

Rules: keep the product name and the scope as written, do not invent features, prefer boring and proven choices, and stop to ask me when a decision would be expensive to reverse.

How to use

  1. Copy the prompt above.
  2. Open ChatGPT, Claude, or your AI editor and paste it into a new conversation.
  3. Build milestone one, run it, then move to the next. Add stretch goals only after the first version works.

Want ideas built around you instead? Generate four from your own interests, time, and stack.

Frequently asked questions

FAQ

Frequently asked questions

Answers on what Strike Buffer is, how to build it, and where example ideas come from.

Similar ideas

Similar to Strike Buffer

More finance ideas, then a few from other categories.

Generate your own

Ready to generate yours?

Four ideas per round, shaped by your interests, skill level, and how much time you have.