Portable: A Financial Platform For Gig Workers (hacknomics 2025)

What it is

Portable is a financial platform I built for HackNomics 2025, aimed at the 70 million Americans working in the gig economy. The core idea: upload one bank statement and the app handles the financial bookkeeping that gig workers typically do manually — or skip entirely, often at real cost.

Why I built it

Most financial tools are built around a W-2 and a single employer. For someone driving for Uber in the morning, doing Upwork contracts in the afternoon, and collecting Patreon income on the side, that model breaks down. The tax situation alone is complicated — self-employment tax runs 15.3% on top of federal and state income tax, and quarterly deadlines catch people off guard.

The README notes gig workers leave $3,000–$5,000 in deductions unclaimed each year because tracking them is tedious. That was the motivation behind the expense categorization work.

How it works

Income detection: Portable parses an uploaded bank statement and recognizes income from 50+ platforms — Uber, Lyft, DoorDash, Instacart, Upwork, Fiverr, YouTube, Patreon, and more — broken down by platform, week, and month.

Expense categorization: Every transaction is matched against IRS-approved deduction categories automatically — gas, phone bills, subscriptions — with no manual tagging.

Tax calculator: Computes self-employment tax (15.3%), federal income tax, and state estimates. Surfaces quarterly deadlines and a full-year projection based on current earnings pace.

Income Stability Score: Variable gig income is hard for landlords and lenders to evaluate — no pay stub, no employer letter. This score runs an algorithm over the income history and outputs a consistency rating in a format those stakeholders can work with.

Benefits hub: Surfaces health insurance, retirement accounts, and financial products designed for self-employed workers — the portable benefits piece the project is named after.

Tech stack

• Next.js 15 (App Router) + TypeScript
• Tailwind CSS v4
• Supabase — PostgreSQL + Realtime for database and auth
• Shadcn UI + Radix for components
• Recharts for income and tax visualization

Try it

• Live app: portable-buwubjqtb-kyisaiah47s-projects.vercel.app — demo credentials: sarah.driver@email.com / demo123, or upload the sample-bank-statement.csv from the repo
• Demo video: youtube.com/watch?v=9AjgeyStgtI
• Repo: github.com/kyisaiah47/stub