@dreamxist/bal-cli

Command-line interface for Balance — opinionated personal finance with delta = 0 reconciliation.

bal is a thin TypeScript CLI that talks to a self-hosted Balance backend (Supabase + PostgreSQL + Edge Functions). It is read/write: list accounts, register transactions, manage API keys, and check whether your books are balanced — without leaving the terminal.

@dreamxist/bal-cli is just the client. To use it, you need a backend — see the self-hosting guide.

Install

npm install -g @dreamxist/bal-cli

Requires Node 22+.

Quickstart

# Point the CLI at your backend
export SUPABASE_URL="https://<project-ref>.supabase.co"
export SUPABASE_ANON_KEY="<anon-public-key>"

# Authenticate with an API key minted from the web app
bal login --api-key bal_live_XXXXXXXXXXXXXXXX

# Show net position vs. accumulated transactions
bal balance

The session is cached at ~/.balance/session.json (mode 0600) and refreshed automatically on every command.

Commands

Authentication

| Command | Description | | --- | --- | | bal login --api-key <key> | Exchange an API key for a JWT and persist a session. | | bal key create --name <label> | Generate a new API key. Plaintext is shown once. | | bal key list [--include-revoked] | List your API keys (never shows plaintext). | | bal key revoke <id\|prefix> | Revoke an API key by UUID or unique prefix. |

Transactions

| Command | Description | | --- | --- | | bal add <amount> <category> --account <name\|id> [--type] [--note] [--date] | Register a transaction. Types: expense (default), income, refund, adjustment. | | bal transfer <amount> --from <name\|id> --to <name\|id> [--note] [--date] | Move money between two accounts (does not affect accumulated). | | bal undo <tx-id> | Reverse a transaction by creating a compensating adjustment (immutable ledger). | | bal list [--period] [--type] [--category] [--account] [--search] [--entity] [--date-from] [--date-to] [--limit] | List transactions. Period: day\|week\|month\|quarter\|year\|all. --type accepts comma-separated values. --entity personal\|spa\|all. | | bal balance [--entity personal\|spa\|all] [--json] | Show position, accumulated, delta, and per-account balances. Default entity personal; spa shows business cash + month flows. | | bal patrimonio [--neto] [--tasa <pct>] [--json] | Gross net worth (personal + SpA) with optional after-tax estimate. |

Accounts

| Command | Description | | --- | --- | | bal account list [--archived] [--type] [--subtype] | List accounts with balance and on-budget flag. | | bal account create <name> --type <asset\|liability> --subtype <...> [--balance] [--credit-limit] [--entity] [--currency] [--off-budget] | Create an account. | | bal account archive <name\|id> | Archive an account (soft delete). | | bal account rename <name\|id> <new-name> | Rename an account. | | bal account balance <name\|id> <new-balance> | Manually set a balance (typically for off-budget: investments, property). |

Debts (installment purchases)

| Command | Description | | --- | --- | | bal debt list | List active debts with progress. | | bal debt create <amount> <installments> <category> --account <name\|id> | Register an installment purchase. | | bal debt pay <debt-id\|description> | Pay one installment. | | bal debt payoff <debt-id\|description> [--actual-amount] | Pay off a debt entirely. | | bal debt archive <debt-id\|description> | Mark a debt as closed. |

Receivables

| Command | Description | | --- | --- | | bal receivable pay <receivable> <amount> --to <account> | Record a payment received from a receivable. |

Categories

| Command | Description | | --- | --- | | bal category list [--entity] | List categories. | | bal category create <parent-id> <id> <name> | Create a subcategory under an existing parent. | | bal category rename <id> <new-name> | Rename a category. | | bal category delete <id> | Delete a category (fails if referenced by transactions). |

Recurring charges

Automatic charges are auto-registered by the daily-charges cron (and by sync) on their day of the month. Manual charges are ones you pay yourself — they are surfaced when you run bal balance in an interactive terminal, which applies any due automatic charges and asks which manual ones you have paid.

| Command | Description | | --- | --- | | bal recurring list [--entity personal\|spa] [--due] [--include-inactive] | List charges with their monthly status (charged / due / upcoming), type (auto/manual), entity and account. | | bal recurring create [name] [amount] --day <1-31> --category <id> --account <name\|id> [--manual] [--usd <n> --rate <clp>] | Create a charge — automatic by default, --manual for ones you pay yourself. Prompts interactively when args are omitted. | | bal recurring edit <id\|name> [--amount\|--day\|--category\|--account\|--manual\|--auto\|--active\|--inactive] | Edit a charge (interactive without flags). | | bal recurring pay <id\|name> [--amount] [--date] | Register a (manual) charge as paid now. | | bal recurring sync [--dry-run] [--yes] [--include-manual] [--entity] | Register automatic charges that are due this month (catch-up). | | bal recurring delete <id\|name> | Delete a recurring charge. |

Snapshots & export

| Command | Description | | --- | --- | | bal snapshot create [--date] | Capture a snapshot of current position (net worth, accumulated, delta). | | bal snapshot list [--limit] | Show snapshot history. | | bal export [--format json\|csv] [--output <path>] | Export all data. |

Fintual integration

| Command | Description | | --- | --- | | bal fintual sync [--dry-run] | Pull latest Fintual prices and update off-budget account balances. |

SpA (business entity)

| Command | Description | | --- | --- | | bal spa dashboard | Show business accounts, monthly income/expenses, IVA due. | | bal spa invoice list [--direction emitida\|recibida] [--month YYYY-MM] | List invoices. | | bal spa invoice create --direction <d> --counterpart <name> --neto <amount> [--doc-type] [--folio] [--account] [--create-transaction] | Create an invoice. --doc-type: factura_afecta\|factura_exenta\|factura_exportacion\|boleta\|nota_credito. | | bal spa invoice pay <invoice-id> --account <name\|id> | Mark an invoice as paid. | | bal spa gasto <amount> <category> [--moneda CLP\|USD] [--tc <rate>] [--account] | SpA expense (foreign SaaS = no VAT credit). USD converts to CLP. | | bal spa f29 <YYYY-MM> | Compute F29 summary for a given month. | | bal spa f29-declarar <YYYY-MM> [--codigo code=value ...] [--folio] | Mark a period declared, storing the official SII codes (source of truth). | | bal spa sueldo <amount> --to <personal account> | Owner salary: inter-entity transfer SpA → personal. | | bal spa annual [year] | Annual summary. |

Chilean tax notes: foreign SaaS purchases use bal spa gasto (expense, no VAT credit — rolls into the annual income tax, not the monthly F29); domestic purchases with VAT use bal spa invoice create --direction recibida. The official SII F29 codes are the source of truth — store them with bal spa f29-declarar --codigo.

Conventions

• Amount parsing: plain integers (12000) or thousand-separated (12.000, 12,000, 12 000, 12_000). All money is stored as integers (CLP in pesos, USD in cents). No decimals.
• Account selection: --account accepts UUID or a substring of the name (case-insensitive fuzzy match). Ambiguous matches error out.
• JSON output: every read command accepts --json for machine-readable output. Useful for piping into jq, scripts, or other tools.
• Transaction immutability: transactions are never updated or deleted. Corrections use bal undo (creates a compensating adjustment).

Environment variables

| Var | Purpose | Required | | --- | --- | --- | | SUPABASE_URL | Your Balance backend URL. | Yes | | SUPABASE_ANON_KEY | Public anon key from the Supabase project. | Yes | | BAL_API_KEY | Default API key for bal login (avoids passing --api-key). | No | | BAL_EMAIL / BAL_PASSWORD | Default credentials for bal key create/list/revoke (which require fresh password auth). | No | | BAL_SESSION_FILE | Override the session cache path (default ~/.balance/session.json). | No | | VITE_SUPABASE_URL / VITE_SUPABASE_ANON_KEY | Read as fallbacks for the two SUPABASE_* vars. | No |

The CLI does not read .env files automatically. Use a tool like direnv or your shell profile to export the vars.

Backend setup

bal needs a Balance backend. Spinning one up takes ~30 minutes:

1. Create a Supabase project.
2. Push the migrations from the Balance monorepo (supabase db push).
3. Deploy the Edge Functions (auth-apikey, daily-charges, daily-backup, api-docs).
4. Set CRON_SECRET and schedule the daily cron jobs.
5. Sign up via the web app and generate your first API key.

Full instructions: https://github.com/dreamxist/balance/blob/main/SETUP.md

Security notes

• API keys are SHA-256 hashed in Postgres. Plaintext is shown exactly once.
• Sessions are stored at ~/.balance/session.json with mode 0600. Treat that file as a secret.
• The auth-apikey Edge Function is rate-limited (5 failed attempts per IP per 5 minutes).
• All RPC calls use a user JWT, never service_role. RLS enforces tenancy in the database.

For the full threat model and disclosure policy: https://github.com/dreamxist/balance/blob/main/SECURITY.md

Versioning

This package follows semver from 1.0.0 onward. Pre-1.0 releases may break between minor versions — pin if you script against bal --json outputs.

License

MIT © 2026 Francisco Zúñiga Palma.

Author

Built by Pancho Zúñiga. Building in public.

• LinkedIn:
• GitHub: https://github.com/dreamxist
• Twitter / X: