How to vibe codePortfolio Coach
AI portfolio intelligence for UK investors
portfoliocoach.co.uk ↗Fintech / Wealth Management
The verdict: can you vibe code Portfolio Coach?
Build a personal subset for yourself in a couple of weekends; the main catch is wiring up reliable UK market price feeds and keeping the AI prompt context clean.
Portfolio Coach is an ideal weekend or side-project build if you want a clean dashboard for your own UK investments rather than paying consumption credits. The core UI is a classic Next.js dashboard with charts and tables, backed by a SQLite database. The real engineering work is twofold: fetching live UK fund prices (which often lack clean ticker symbols on free US-centric APIs) and constructing a clean JSON payload of the user's asset allocation to inject into an LLM system prompt. Since you are building this for personal use, you can skip live Plaid bank connections entirely—manual CSV imports or simple holdings forms are plenty. Expect to spend 2 weekends wrestling with portfolio math and LLM prompt templates.
Estimated effort: 2-3 weekends
What you can't replicate
- The exact proprietary prompt engineering tuned by the original creator
- Automated institutional broker scrapers (requires manual entry or simple imports for personal use)
Founded
2026
Raised
—
Team
Lean indie
Cheapest paid tier
£2 Free AI Credit
What Portfolio Coach does
An AI-powered wealth tracker and financial portfolio analyst built specifically for UK investors and families, supporting stocks & shares ISAs, cash ISAs, SIPPs, GIAs, bonds, cash, and property equity with live pricing and context-aware conversational AI.
Core features
- Multi-wrapper account data modeling (ISAs, SIPPs, GIAs, Cash, Property)
- Live market price feeds and asset valuation updates
- Asset allocation breakdown across asset classes and wrappers
- Context-aware AI coach with direct access to user portfolio state
- Household and family member portfolio grouping
- Automated financial health checks and concentration alerts
The business
Pricing
- Free Tier / Welcome Credit£2 Free AI Credit
- Usage-Based AI CreditsConsumption-based
Funding
Unknown / bootstrapped
Pay vs build, cumulative
No break-even inside 24 months at these numbers.
The hard parts of vibe coding Portfolio Coach
- Sourcing reliable, real-time UK fund and ETF ticker pricing (e.g. Vanguard VWRP, LifeStrategy)
- Structuring prompt context injection securely without exposing sensitive financial values or exceeding token limits
- Handling complex UK tax wrapper semantics (ISA contribution limits, pension tax reliefs, GIA capital gains math)
- Financial liability and compliance guardrails against regulated investment advice
How to vibecode Portfolio Coach
Prerequisites
Node.jsfree
Required runtime for Next.js and TypeScript tooling
GitHubfree
Source control and deployment pipeline
AI coding tools
Recommended stack
| Frontend | Next.js with Tailwind CSS and shadcn/ui |
|---|---|
| Backend | Next.js Server Actions / API Routes |
| Database | Turso (SQLite at the edge) |
| Auth | better-auth |
| Payments | none (personal use) |
| Other | Vercel AI SDK for streaming LLM portfolio coach responses, DeepSeek API for cost-effective frontier reasoning |
Build guide
01Project Scaffolding & Database Schema
Initialize the Next.js project with Tailwind CSS, configure Turso SQLite with Drizzle ORM, and set up user authentication with better-auth.
Scavenge and create a Next.js 16 project with TypeScript and Tailwind CSS v4. Set up Drizzle ORM connected to a Turso SQLite database. Define the database schema for users, portfolios, tax_wrappers (ISAs, SIPP, GIA, Cash, Property), holdings (ticker, name, quantity, cost_basis, wrapper_id), and financial_goals. Implement better-auth for secure email/password authentication. Create clean folder structures for app router pages, components, and server actions.02Dashboard UI & Portfolio Aggregation Engine
Build the main net worth dashboard showing total valuations, asset allocation percentage bars, performance metrics (YTD, Day), and wrapper breakdowns.
Build a responsive Next.js dashboard mimicking a professional wealth tracker. Create server actions to calculate total net worth, asset allocation percentages across Global Equity, Property Equity, Cash, and Bonds, and performance totals (Day, YTD). Implement interactive UI components using Tailwind CSS and shadcn/ui style cards to display holdings grouped by tax wrappers (Stocks & Shares ISA, SIPP, GIA, Cash ISA). Add a modal to manually add or edit holdings and property equity values.03Live Market Price Integration
Implement a lightweight market price updater that fetches current prices for common UK funds and ETFs (e.g. VWRP, LifeStrategy) via a financial API or Yahoo Finance scraper.
Implement a market data service in Next.js that fetches live prices and daily percentage changes for common UK fund tickers (such as Vanguard VWRP, LifeStrategy 80%) using a reliable public financial API or Yahoo Finance endpoint. Create a background cron job or on-load refresh action that updates asset valuations in the database, recalculates portfolio day gains, and displays 'Priced moments ago' indicators on the dashboard.04Context-Aware AI Portfolio Coach
Integrate the Vercel AI SDK and DeepSeek API to build a conversational financial coach that dynamically ingests the user's entire portfolio state as context.
Build an AI coach chat interface using the Vercel AI SDK and DeepSeek API. Write a backend context builder utility that serializes the user's complete portfolio into a structured JSON briefing (total net worth, wrapper breakdown, asset allocation percentages, cash buffer size, and holdings). Inject this JSON dynamically into the LLM system prompt whenever the user asks a question, enabling context-aware portfolio analysis (e.g., highlighting cash drag, fund overlap, or rebalancing needs). Ensure streaming responses and error handling.05Illustrative Demo Mode & Polish
Add a pre-loaded illustrative demo account (such as 'James Carter') so new visitors can explore the dashboard and test the AI coach immediately without setup.
Add a one-click 'Try the demo' button on the landing page that provisions a pre-loaded illustrative family portfolio ('James Carter') with mock holdings, ISAs, SIPPs, and property equity. Ensure demo users can interact with the live dashboard views and ask up to two test questions to the AI coach before registering an account. Polish all UI states, loading skeletons, and financial disclaimer footers.
Cost vs paying for Portfolio Coach
What will you build it with?
Starting total with Claude Code$0 one-time
Starting costs (one-time)
- Domain name (optional)$12 one-time
- AI coding tools (Claude/Cursor)$20 one-time
Total~$32 one-time
Ongoing costs (monthly)
- Vercel Hobby & Turso Free$0/mo
- DeepSeek API token usage (personal)~$1-3/mo
Total~$2/mo
Paying for Portfolio Coach
Usage-based (£2 free credit, then pay-per-query)
Your time to build
16-24 hours
AI tool credits
$20 (Claude Pro / Cursor Pro)
Break-even
Self-hosted for personal use
Vibe code Portfolio Coach: FAQ
- Can you vibe code Portfolio Coach yourself?
- Solid side project — 72/100 vibecodeable. Build a personal subset for yourself in a couple of weekends; the main catch is wiring up reliable UK market price feeds and keeping the AI prompt context clean.
- How long does it take to vibe code Portfolio Coach?
- 2-3 weekends — roughly 16-24 hours of hands-on time with an AI coding agent.
- How do you build your own Portfolio Coach?
- Scoped to personal use: Next.js with Tailwind CSS and shadcn/ui on the front, Next.js Server Actions / API Routes behind it, Turso (SQLite at the edge) for data. Follow the 5-step build guide on this page — each step has a paste-ready prompt for an AI coding agent.
- How do you code your own Portfolio Coach without being an expert?
- Use an AI coding tool (Claude Code or Cursor) and work in small steps: scaffold, data model, core screens, then deploy. Realistic effort: 2-3 weekends. The prompts on this page are written so the AI does the heavy lifting.
- How much does it cost to vibe code Portfolio Coach instead of paying?
- About ~$32 one-time to start and ~$2/mo to run, versus Usage-based (£2 free credit, then pay-per-query) for Portfolio Coach. Break-even: Self-hosted for personal use.
- What stack should you use to vibe code Portfolio Coach?
- Next.js with Tailwind CSS and shadcn/ui; Next.js Server Actions / API Routes; Turso (SQLite at the edge); plus Vercel AI SDK for streaming LLM portfolio coach responses, DeepSeek API for cost-effective frontier reasoning.