Can AI replace FreshBooks?

Build me a freelancer invoicing app to replace FreshBooks. Requirements:

- A local web app: Node + Express + better-sqlite3, binds to localhost.
- Tables: clients, projects, time entries, expenses, invoices, payments.
  Invoices get sequential numbers (INV-2026-001).
- Time tracking: a start/stop timer per project plus manual entries;
  uninvoiced time rolls into the next invoice draft at the project's hourly
  rate.
- Invoice PDFs: an HTML template rendered with Puppeteer, my logo and bank
  details from config.json, saved to ./invoices/INV-XXXX.pdf.
- Send an invoice by email via SMTP creds in .env, BCC me; mark paid manually,
  with an overdue list on the home page.
- Expenses: amount, category, optional client, receipt image attached.
- Reports: income by month, unpaid invoices with aging, income by client, and
  a yearly totals CSV export for my accountant.
- No accounts, no telemetry, all data local; nightly copy of the SQLite file
  to ./backups/, keep 30.
- Out of scope: card payments and a client portal, clients get a PDF and pay
  by bank transfer. Skip bank feeds and double-entry accounting.
- README: setup, SMTP config, and how to edit the invoice template.