Hello, I am the founder of https://wealthmode.io/, built in Hamilton, ON, for a long time I looked for a replacement of Mint, which is where I felt most comfortable, I know there's a plethora of apps out there, but none made me feel really comfortable.

I am a senior software engineer, so eventually decided to invest and create my own product, I am using it for my own finances and pretty happy with the result, the feedback I got from the first few hundred users were mostly positive, I was trying to perfect it before going to bigger communities on reddit and putting any money on ads.

I would like to hear from more people as this community is huge, whoever wants to try it, I would appreciate it, for the people that are still not happy with a solution, what is missing? What are you looking for in these apps?

What are the most important things to you? Reports? Budgets? Tracking investments?

At the moment it's a solid personal finance app for transactions/budgeting, the next 2 big things that I'm working on are

1. The investment side of it (replacing something like Wealthica), which is something not even Mint had, a single app for personal finances (transactions, budget) and investment portfolio tracking.
2. Native mobile apps, I worked hard on having a pretty good usability for mobile web, as most people use it on phones, but I know people really love native apps, so that's coming soon as well.
3. A lot of apps are adding chatbots to chat about your finances, as an user I don't like that. But I'm not sure if other users are wanting that or not, how do you feel about it?
4. There's a feature that I'm on the fence about, that im not sure if people really need that or not, which is shared access for households.

FAQ:

1. How's the security? We use the highest standards of security, data is encrypted at rest using AES-256, read-only access to your data, using Plaid which is the industry standard, same thing you had on Plaid. I'm a senior SWE, not a vibe coder that doesn't know what he's doing.
2. How about problematic banks for auto sync, like CIBC. As mentioned above, Plaid is the industry standard, so the fault is not on the apps, CIBC protocol sucks, so every app will have the same problem.
3. What's the trick with the free tier ? There's no trick, I'm not selling any data, users that use free tier are usually not heavy load users, it's not a big deal for me to maintain that and the feedback is valuable, the goal is always to eventually convert these users into paid users.

I track basically everything financially but I still feel like I’m stuck in the same place. like I have the data but it’s not translating into better decisions which is frustrating.

Like everyone else, “I wanted to build a tool that does X so I did”. Here were my requirements: no accounts, no App Store (for now), and I wanted to see every possible lever.

My tool focuses on future cash flow, retirement, net worth, taxes, and goal setting.

Features:
- Compare state taxes
- Plan for: retirement, children, college funds, yearly vacations, estate estimates
- When can I buy a house?
- Should I do standardized or itemized deductions?

Why use YAPFT? It’s open source and free. No account needed, no billing, nothing.

Enter your parameters and see what sort of life you could have in +2yrs, when the kids go college, or if you decide to move to Texas in 10 years.

Why “Free for now”?
Open source tools still cost money to host, run, develop, support. But the core engines, those are always free and you can audit the code anytime.

At this stage, I’m looking for feedback and stress tests.

Please note: YAPFT is not tax advice. It is a simulation and planning tool. Always consult a professional.

I built Zynex because I'm its target user. My money was scattered across multiple bank accounts and cards, and I never had one clear picture of where I actually stood.

So I built the app I wanted: one place that pulls all your accounts, cash and assets into a single clear picture, and uses AI to make logging effortless. You just speak a transaction out loud, snap a receipt, or type a quick note — and AI turns it into a clean entry in seconds. No forms.

It's the app I now reach for every day myself.

Zynex is live on Google Play, landing page here: https://zynex.finance/ — I'd genuinely love your feedback on the idea or the flow.

I wanted a simple overview of my subscriptions. So I tried the popular tracker apps, and every single one had the same first step: "Connect your bank account."

Hand my banking credentials to a startup so it can... read a list I already know? No thanks.

So I built SubTrack — a subscription tracker that works the old-fashioned way: you type in your subscriptions yourself. Takes about 2 minutes for most people, and in exchange:

• No bank connection, ever. There's literally nothing sensitive to leak.
• No selling your transaction data to "trusted partners."
• No "we noticed you shop at..." creepiness.

What you get:

• Total monthly + yearly spend, updated live
• "Next payment: Netflix, $15.49, in 3 days" — always visible
• Email reminder days before a renewal so you can cancel in time
• A "pause" state for subscriptions you're on the fence about
• Step-by-step cancel guides for 45+ services

It's free, no credit card. I'm a solo dev and I'm looking for testers — especially people who can tell me where the manual-entry approach gets annoying, because that's the trade-off I chose.

https://subtrack.profidesigner.eu

Would you trade 2 minutes of typing for never connecting your bank to a random app? Genuinely curious where Reddit lands on this.

Does anyone else have no idea what to actually do with their student loans?

I had 6 loans across different rates and genuinely didn't know which one to pay first, how much interest I was losing every day, or when I'd actually be done paying them off.

So I built Zerova to answer those questions with my actual numbers. It told me I was losing $2.34 every single day in interest and that I should attack my 4.53% loan first before anything else.

What it does:

- Shows your real debt-free date based on what you're actually paying

- Tracks exactly how much interest is building every day on each loan

- Tells you which loan to target first and why, based on your actual rates and balances

- Compares Avalanche vs Snowball strategies with your real numbers

- Handles $0 payment situations correctly for people in forbearance or deferment

- Saves your payment schedule so you don't have to manually update every time you log in

- AI-powered weekly summary emailed every Sunday

Works for federal and private loans. 14-day free trial, then $7/month or $60/year if you find it useful.

zerova.org

Happy to answer questions about how it works or what I built it with.

I put together EasyTools.ca, a collection of free calculators aimed at Canadian specific numbers that a lot of generic calculator sites get wrong or don't cover (CPP/EI deductions, provincial tax brackets, mortgage stress test, etc).

It's not trying to be flashy, just quick and accurate tools for stuff I kept needing to calculate myself and couldn't find a solid Canadian version of. 42 calculators so far covering mortgages, pay and income, and taxes.

Sharing a tool I built (free right now) in case it's useful here - and because I want honest feedback.

My Financial Freedom Tracker pulls budgeting, net worth tracking, and financial planning into a single connected dashboard. The goal was to stop switching between a budgeting app, broker logins, and spreadsheets that never agree.

What makes it different from a standalone budgeting app: the three modules feed each other, so your budget, your real net worth, and your long-term projection stay in sync.

I'm at 1,000+ users and starting to think about a paid tier to keep it alive, so this is a good moment to ask:

• What feature would you need before it replaced your current stack?
• What would you expect to stay free vs. be worth paying for?

Link: https://myfinancialfreedomtracker.com/

Disclosure: I built this.

I used Monito for years because I liked the simple manual flow: open app, add amount, pick category, done.

I built JotWell for Android because I still prefer a ledger I maintain myself over bank-linked tracking. It’s local-first, has no account or bank link, and supports manual income/expense logging, CSV/XLS import, JSON backup, recurring entries, widgets, monthly stats, and optional on-device SMS suggestions that ask before saving.

I’d love feedback from people who still use spreadsheets or manual trackers: does this kind of private manual flow still make sense, or has bank sync mostly replaced it for you?

Play Store:
https://play.google.com/store/apps/details?id=design.kishore.jotwell

Hey all,

I wanted to share Sumurai, a free, stylish, self-hosted finance app I’ve been building in the open for the last ~150 days. You decide how you want to connect your accounts, with several options based on your privacy preferences, which should cost most people very little or nothing at all.

I’ve been programming for 10+ years, mostly for small and large businesses. I originally built it for my own small business. I wanted something where I could control my data, that worked great on any device, and surfaced trends in my business spending without a lot of manual labor. I even worked with a local artist to create the brand assets, light and dark themes, and the samurai.

It's kinda taken a life of its own and thought other people might get some use out of it. It would be useful for people who want more control over their financial data and tooling, while still keeping the app practical enough for everyday budgeting and transaction management.

Wouldn't mind a bit of feedback either, especially if there's an obvious gap I'm missing.

I built BudgetIA – a simple AI-powered budget tracker (100% free for now) – feedback welcome!

Imagine getting smart weekly insights like:

→ “If you keep this pace, you’ll save €180 this month”

→ or “Your restaurant spending is about to put you in the red”

That’s exactly what BudgetIA does.

I got tired of complicated spreadsheets and expensive apps, so I created a clean, fast tool that:

Tracks income & expenses in seconds

Gives you personalized AI insights

Helps you actually stay on budget without the stress

It’s currently completely free (full freemium), but I’ll be adding a premium tier soon with even more powerful features.

I’m looking for honest feedback from real users. Try it for 7–14 days and let me know:

✅ What you like

❌ What’s missing or could be improved

👉 https://ai-budget-tracker-pw-lphg.bolt.host

Would love to hear your thoughts — every comment helps make it better! 🚀

I’ve spent a lot trying out PFtools such as Monarch Money, Quicken Simplifi, YNAB, and others. While they all do a great job aggregating accounts, tracking transactions, and setting up basic monthly budgets, none are capable of goal sequencing.

Most apps treat a savings goal like a static, recurring monthly expense line. They completely ignore time-bound cash flow realities. Example:

The Setup:

• My baseline budget leaves me with exactly $800 of unallocated cash flow each month.
• Goal 1 (Trip): Requires $400/month for the next 10 months ($4,000 total).
• Goal 2 (Used Car): Requires $400/month for the next 25 months ($10,000 total).

Very few of the tools tell me whether I can do this, but using mental math, I know I can fit these goals through y $800 surplus.

The Larger Problem:

Now, I want to plan Goal 3: Save $15,000 by the end of 3 years (36 months).

If I input this into Monarch, Simplifi, or YNAB, the app looks at the timeline, divides $15,000 by 36 months, tells me I need to find an extra $416 a month right now. They may or may not flashes red showing my budget is blown or that I'm underfunding my targets.

What a smart tool should do is calculate the waterfall sequence:

1. Months 1–10: My current available capacity for a new goal is $0 (Goal 1 and 2 consume the $800).
2. Month 11: Goal 1 completes. $400 is freed up. The tool should automatically realize this cash flow is now available and start funneling it into Goal 3.
3. Months 11–25: Goal 3 accumulates $6,000 ($400 $\times$ 15 months).
4. Month 26: Goal 2 completes. Another $400 is freed up. Total available monthly capacity becomes $800.
5. Months 26–36: Goal 3 accumulates $8,800 ($800 $\times$ 11 months).
6. Total Saved at Month 36: $14,800.

Instead of screaming that my budget is broken today, the tool should look at that timeline and tell me: "This is highly realistic. You are on track to hit $14,800. If you increase your savings by just $6 a month, or extend the timeline by a single month, you will hit all three goals smoothly."

Has anyone found a modern aggregator/PFT that actually handles this kind of dynamic timeline logic?

This is my first visit to this subreddit, so my apologies if this topic has been explored before. Over the course of the last few years (I am 66), I have been building and refining an Excel spreadsheet to project spending and income into the future. It is highly personalized and I have no interest in making it apply to anyone beside my wife and me. I want to keep it low-fi; I do not know how to code and my excel skills are not advanced. Still, it has grown pretty elaborate and it incorporates inflation, interest rates, RMDs, COLAs, past spending history, and everything else I can think of.

My question is, what are the two or three most important features/factors for a spreadsheet like this to have in order to avoid costly mistakes and ensure the greatest possible accuracy?

I "vibe coded" a portfolio analyzer tool (note I do also have a software background). I'm trying to determine if it is any good or not. I think it is "not bad" but could use some more feed back. If you want you can share a sample portfolio and I can run it against that.

Input: csv/text file with

symbol, shares, cost_basis, account_type

Account type can be "taxable", "ira", "roth"

Sample output:

Loading portfolio from sample_data/portfolio_example.csv...
✓ Loaded 11 holdings

Analyzing portfolio...


╭──────────────────────────────────────────────────────── portfolio_example ────────────────────────────────────────────────────────╮
│ Total Value: $182,688.70                                                                                                          │
│ Holdings: 11                                                                                                                      │
│ Risk Level: Aggressive                                                                                                            │
│ Profile Alignment: Conservative (60/100)                                                                                          │
│ Unrealized Losses: $56,521.85                                                                                                     │
│ Tax-Advantaged: 59.2%                                                                                                             │
│                                                                                                                                   │
│ ⚠ 6 high-priority recommendations                                                                                                 │
╰───────────────────────────────────────────────────────────────────────────────────────────────────────────────────────────────────╯

Holdings by Asset Type (Verbose)

BONDS - 8.0% ($14,566.00)

  Symbol        Value   Sector/Category   Yahoo Type   Hedge Confidence  
 ─────────────────────────────────────────────────────────────────────── 
  BND      $14,566.00   fixed_income      bonds        unknown           


CASH - 5.5% ($10,000.00)

  Symbol        Value   Sector/Category   Yahoo Type   Hedge Confidence  
 ─────────────────────────────────────────────────────────────────────── 
  CASH     $10,000.00   cash              cash         unknown           


STOCKS - 86.6% ($158,122.70)

  Symbol        Value   Sector/Category      Yahoo Type   Hedge Confidence  
 ────────────────────────────────────────────────────────────────────────── 
  VTI      $54,507.00   diversified_equity   stocks       unknown           
  MSFT     $31,250.25   technology           stocks       unknown           
  AAPL     $30,734.00   technology           stocks       unknown           
  JNJ       $9,310.80   healthcare           stocks       unknown           
  GOOGL     $9,213.25   technology           stocks       unknown           
  VXUS      $8,303.00   diversified_equity   stocks       unknown           
  AMZN      $7,380.90   consumer_cyclical    stocks       unknown           
  VNQ       $4,839.50   real_estate          stocks       unknown           
  SCHD      $2,584.00   diversified_equity   stocks       unknown           


Allocation Analysis (Conservative Profile)

  Asset Type     Current   Target     Diff   Status       
 ──────────────────────────────────────────────────────── 
  Stocks           86.5%    30.0%   +56.5%   overweight   
  Bonds             8.0%    50.0%   -42.0%   underweight  
  Cash              5.5%    15.0%    -9.5%   underweight  
  Alternatives      0.0%     5.0%    -5.0%   underweight  

Rebalancing recommended (threshold: 5%)

Risk Assessment
  Risk Level: Aggressive (score: 99.8/100)
  Largest Position: 29.8%
  Top 5 Concentration: 77.2%
  Estimated Volatility: High

Warnings:
  ⚠ High concentration risk: Largest position is 29.8% of portfolio
  ⚠ Top 5 holdings represent 77.2% of portfolio

Downside Risk Analysis

  Metric                                         Value   Context                                        
 ────────────────────────────────────────────────────────────────────────────────────────────────────── 
  Expected annual return (est.)                   7.9%   Long-run asset class average — not a forecast  
  Expected annual volatility                     16.2%   Typical year-to-year swing                     
  Severe bear market loss (est.)   -44.5%  (≈ $81,351)   2008-style scenario based on asset mix         
  1-year Value at Risk (95%)       -18.6%  (≈ $34,071)   Worst expected loss in a normal bad year       
  Portfolio beta vs S&P 500                       0.94   moves roughly with market                      
  Safe annual withdrawal (3.5%)            $6,394/year   3.5% rule — conservative for 30+ year horizon  


Tax Summary

  Category                     Amount  
 ───────────────────────────────────── 
  Taxable Account Value    $74,478.15  
  Tax-Advantaged Value    $108,210.55  
  Short-Term Gains              $0.00  
  Long-Term Gains          $15,734.00  
  Short-Term Losses             $0.00  
  Long-Term Losses         $72,255.85  
  Est. Tax if Sold All          $0.00  


Tax-Loss Harvesting Opportunities: 4

Recommendations (13 total)

[HIGH] Rebalance Stocks — IRA/Roth (No Tax Impact)
  Sell ~$70,704 of stocks within your IRA or Roth accounts. Your stocks is 86.5% of the portfolio (target 30.0%). No capital gains 
tax — rebalancing inside tax-advantaged accounts is always the first move.

[HIGH] Rebalance Bonds — Add Exposure
  Your bonds allocation is 8.0% (target: 50.0%). Consider buying ~$76,778. Prioritise purchases inside IRA/Roth accounts first, then 
redirect new contributions or reinvested dividends to bonds.

[HIGH] Tax-Loss Harvest AMZN
  AMZN has an unrealized loss of $37,619. Harvesting could save ~$7,524 in taxes.
  Symbols: AMZN
  Potential Tax Savings: $7,523.82

[HIGH] Tax-Loss Harvest GOOGL
  GOOGL has an unrealized loss of $25,787. Harvesting could save ~$5,157 in taxes.
  Symbols: GOOGL
  Potential Tax Savings: $5,157.35

[HIGH] Tax-Loss Harvest BND
  BND has an unrealized loss of $5,434. Harvesting could save ~$1,087 in taxes.
  Symbols: BND
  Potential Tax Savings: $1,086.80

[HIGH] High Concentration in VTI
  VTI represents 29.8% of your portfolio. Consider trimming to reduce single-stock risk.
  Symbols: VTI

[MEDIUM] Tax-Loss Harvest SCHD
  SCHD has an unrealized loss of $3,416. Harvesting could save ~$683 in taxes.
  Symbols: SCHD
  Potential Tax Savings: $683.20

[MEDIUM] High Technology Sector Exposure
  Your technology allocation is 39.0%, which may expose you to sector-specific risks.
  Symbols: AAPL, MSFT, GOOGL

[MEDIUM] High Diversified_Equity Sector Exposure
  Your diversified_equity allocation is 35.8%, which may expose you to sector-specific risks.
  Symbols: VTI, VXUS, SCHD

[LOW] Rebalance Stocks — Taxable Account (Patient Approach)
  ~$32,612 of the stocks overweight sits in taxable accounts. Selling now would trigger an estimated ~$1,378 in capital gains tax. 
Consider instead: (1) direct new contributions or reinvested dividends to underweight asset classes; (2) use tax-loss harvesting 
proceeds to fund rebalancing; (3) let drift correct naturally as you spend from the taxable account.
  Estimated Tax Impact: $1,377.91

[LOW] Rebalance Cash — Add Exposure
  Your cash allocation is 5.5% (target: 15.0%). Consider buying ~$17,403. Prioritise purchases inside IRA/Roth accounts first, then 
redirect new contributions or reinvested dividends to cash.

[LOW] Rebalance Alternatives — Add Exposure
  Your alternatives allocation is 0.0% (target: 5.0%). Consider buying ~$9,134. Prioritise purchases inside IRA/Roth accounts first, 
then redirect new contributions or reinvested dividends to alternatives.

[LOW] Consider Bond Allocation
  Your portfolio has minimal bond allocation (8.0%). Bonds can provide stability and income.
  Symbols: BND, AGG, SCHZ

I’ve been building kordi for a while now. I have a shared household, and we were constantly bleeding money on 'zombie' subscriptions—paying for Netflix, Max, and Hulu just to watch one show once every two months, then forgetting to cancel. Who hasn't been there...

I was also sick of scrolling netflix, then hulu, then prime to find what to watch. So i put it all together into one dashboard, filtered by only the services i'm currently paying for.

I tried spreadsheets. I tried other trackers. They all just told me what I spent after the money left my account. They didn’t actually do anything. I didn't like how things like rocket were all reactive. i wanted something to stop it before it came out.

I built kordi to be a subscription manager, not just a tracker. A concierge of type. Make sure i'm utilizing my amex platinum credits, and not putting a subscription on my chase instead of my BoA. I wanted to maximize my credits.

I just spent the last week ripping out my whole architecture and re building it so it wasn't a house of cards. I normalized the database, moved to a proper relational schema, and built a dedicated DAL. It feels 100x more solid now—the app actually works like a real product instead of a prototype held together with JSON.stringify().

What I'm looking for: I’m opening it up to a few power users who are tired of manual budget tracking. If you’re someone who likes to actually optimize their spending (and you don't mind a little 'founder feedback' loop), check it out:

www.kordiapp.com

I’m happy to talk shop on the subscription logic, credit card optimization, and user profiles for recommendations, if anyone’s interested. Building this has been an interesting ride and I'm happy to share what I learned.

What do you guys use to keep your household sub-spending in check?

Frustrated that every card comparison site is pay-to-rank, so I built CardMatch.

You answer 5 questions about your spending (dining, groceries, travel, etc.) and it scores every card by estimated net annual value — rewards earned minus annual fee, plus first-year bonus amortized. Cards are ranked by math, not who paid us.

No credit pull. No referral commissions. No sponsored placements.

Still in beta — would love brutal feedback, especially if the recommendations seem off for your spending profile.

https://cardmatch.net

Watching a number go up in a bank app has never motivated me to save more. So my best friend and I built one where every dollar you stash turns into a decoration on an island

It's called Cove - Gamified Finance. You "stash" money into a real high-yield savings account, but in the app it shows up as a decoration that lives on your island. Want the money back, you liquidate the decoration. There's also real ETF investing for people who want to grow money (curated list, no meme tickers, no shitcoins), and those become decorations whose price tracks the underlying ticker

I now check my balance every day just to see what my island looks like. I used to open my bank app once a month and groan

Hi everyone

I wanted to share a free website I recently created to help people(friends asking the same questions over and over again) navigate basic personal finance during tough times. It’s not a business, paid service, or anything like that just a simple tool/resource meant to guide people through everyday financial decisions like budgeting, saving, managing expenses, and understanding the basics.

I built it with the idea that a lot of people could use straightforward, easy-to-understand help without all the overwhelming financial jargon. https://laertex.com

Everything is completely free, and I’m genuinely open to feedback and suggestions. If there’s something the community feels would be useful to add, improve, or explain better, I’d be happy to work on it.

Hopefully it can help someone who needs it.

I’m currently getting ready to jump into homeownership and I’m also a nerd, so I wanted to actually understand the math behind the rent vs. buy decision. The NYT calculator is the gold standard people point to, but when I used it (and lots of other tools) I couldn't see or adjust the assumptions it was making behind the scenes — particularly around what happens to your money if you rent instead of buy. That bothered me enough that I built my own.

The thing most calculators get wrong is that they only do mortgage math. The real question is: if I rent instead of buy, and I save or invest the difference every month, where do I end up financially after 10 years? That comparison requires modeling both sides completely — all ownership costs on one side, rent plus compounding savings on the other — with nothing hidden.

A few things I tried to do differently:

Every input is visible and adjustable. Inflation, appreciation, PMI, maintenance, sale closing costs, rate of return on savings — nothing is assumed behind the scenes. If you disagree with a default, change it.

The results show you why one option is better, not just by how much. Cumulative spending, asset growth, breakeven analysis across three different metrics, and required income estimates using two different models.

It's free, no ads, no signup, open source on GitHub.

My goal in sharing this is just in the hope that someone can find it useful and that I can save someone from making a six or seven figure purchase decision without knowing what they’re getting into.

https://caniaffordthishouse.app

We rebuilt a few things based on early-user feedback. What's new:

- Two ways to budget: quick monthly plan, or detailed by category
- French support
- Better onboarding
- Cleaner UI, especially on mobile

Free to try: https://planningwiser.com
Honest feedback welcome : what's confusing, what's missing, what feels off.

Hello everyone! So I am starting my bachelors in accounting I a little over a month. In preparation I have been building some finance tools for personal use. My goal was to make a personal finance system that would track everything from cash flow to investment forecasting. I was doing this initially to help me build out my spreadsheet skills while also becoming more familiar with the world of finance while I await my bachelor start date. While in a conversation with a co-worker he said he’d like to have a copy when I had a good working system. This had me thinking and I was curious of 2 things, 1. If anything like this already exists for free and 2. If people would be interested in using what I’m building. If so I would like to build this out and put it online for people to freely download and use. I will post a link to a Google Drive folder containing some individual tools that I have been working on and the system that I’m building so far. The individual tools will be added to the system if they are not already. My question for you is, will you all take a look, tell me what works, what doesn’t and where I can do better? Don’t hold back either. I want to know exactly what I’m doing right and wrong so I can make the best possible system.

https://drive.google.com/drive/folders/1sx7CV8KmAB2ChjTDJFeV4VZl1dSDaqcA

If there is anything wrong with the link let me know and I’ll fix ASAP

TYIA