I’ve been building CheckbookHUB, a private web app for old-school checkbook-style money tracking with modern planning tools — bills, recurring transactions, budgets, debt payoff planning, reports, backups, and Google Drive backup support.

It’s meant for people who don’t want bank sync and prefer entering/controlling their own data.

Would love feedback on the idea and feature set: https://checkbookhub.com

Copilot budgeting app for money management and tracking :)

Use my referral code JGKU3M

Hello, I am the founder of https://wealthmode.io/, 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 Mint. 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. The integration on US banks though is closer to 100%.
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.

App Name: Pendara

What it does: Pendara is a free Android expense and budget tracker built for real households — it also tracks money you've lent or borrowed and reminds you the moment a loan becomes overdue. It supports per-family-member expense tracking, multiple accounts, and works fully offline with automatic sync.

Key Features:

- Loan/debt tracking with overdue reminders

- Family-member expense tracking

- Fully offline, no ads

Goal: Promo

Giveaway: None — app is completely free, no in-app purchases

Link: https://play.google.com/store/apps/details?id=com.pendara.expensetracker

After Mint shut down, the two gaps people mention most are shared/family tracking and imports that don't depend on aggregators. I've been building FinMan for my own family, and it's free:

- Bank statement import from any bank — you upload the statement file, AI parses and categorizes it (no bank credentials, no Plaid/aggregator dependency)

- Family groups: everyone logs from their own phone, shared categories and one cash-flow view

- Telegram/WhatsApp bots: text "groceries 25" or send a receipt photo and it's logged

- Utility meter readings from photos, car cost per mile/km, multi-currency with live rates

It's free (premium exists only for heavy AI usage). Roadmap and feedback live on GitHub: https://github.com/vityah1/finman-feedback — the app is linked from there, or search "finman vhworx".

I'm the dev — honest feedback (especially "Mint did this better") is exactly what I'm after.

Hey everyone,

Like many people here, I used to jump between multiple platforms (Zerodha for my main stocks, Groww for some old mutual funds, and a random AMC portal for direct funds).

I spent months looking for a dashboard that could tie them all together, but every free app I tried had the same issues: 1. They ask for full broker API integration or read access to my personal email inbox to scrape transaction PDFs. 2. Two days after signing up, my phone starts buzzing with spam calls offering personal loans and pre-approved insurance policies. 3. Their internal dashboards are optimized to encourage trading volume and commissions rather than showing raw analytical data.

I tried building a master Google Sheet using =GOOGLEFINANCE(), but it kept breaking on complex mutual fund NAVs and multi-year SIP cash flows.

So, I built Arthavi (https://arthavi.com) as a side project.

It’s built explicitly around a privacy-first, read-only workflow for Indian retail investors:

• Zero Inbox Scraping: You just drop your official CAMS or KFintech Consolidated Account Statement (CAS) into the app. The secure parsing engine extracts transaction tranches (dates, units, asset IDs) locally to generate your dashboard rows. We never store or look at the raw files.
• True XIRR Engine: It calculates exact time-weighted returns across your historical SIPs, lumpsums, and partial redemptions side-by-side.
• Multi-Profile Family Views: You can pool family accounts into one unified dashboard without linking permanent PAN records across profiles.
• No Broker Credentials Required: Since it has no active execution APIs, it is structurally impossible for funds to be traded or compromised.

The tool is completely free to use, and you do not even need a phone number to sign up (just an email to save your instance). If you don't want to create an account, there's a live interactive demo on the homepage populated with sample assets so you can check out the charts.

I’m actively optimizing the feature architecture right now. I'd love to get feedback from this sub: * What specific metrics are missing from your current tracking setup? * Are there niche asset classes (like corporate bonds or SGBs) you want to see integrated alongside equities?

Check it out here: https://arthavi.com

Thanks for reading!

this ^

Guys, I am building a personal finance manager app, trying to load in all possible features. I need to know

1. Are you using any such money manager app now?
2. If so, is it a paid or premium version?
3. What are the additional features you wish to see in such apps?
4. How much are you willing to pay per year for such an app, which will be an expense/ income manager and also will manage your assets and liabilities

For now, I am still testing it with my clients as their insurance agent but would love to get feedback from members here and things to consider if I want to make it available for public.

https://myfinancialfoundation.ca/

In today’s world, I can see most of the personal app are running on cloud and connect directly to your bank accounts?

I am sure companies must be spending millions of dollars on security and privacy. It doesn’t provide convenience but sometimes I feel concern about it. We have seen many big company’s data are hacked.

Earlier I was thinking the our finance data could go in wrong human hand but now in this AI world it could go to any AI model also 😊

Are we moving towards old era of desktop where our data stays on our machine? I would love to know your thoughts.

Thanks 😊

.

Hey everyone! I've been working on Milvo, a budgeting app specifically designed for couples. Shared money has so many edge cases, so I'm really trying to get the UI and flow right. I even wired it up so Claude can pull stats and log transactions directly.

I'm launching the first round of testing this August and would love to get some real couples to try it out and give feedback.

If you're interested in being an early tester, you can sign up here: https://www.milvo.app/

Also, if you use a shared budget right now, what's your #1 must-have feature? Let me know below!

I've been using Lunch Money to track all my banking for the last 1.5 years. I generally like it, but for the last while I've been spending half the time having to enter things manually and contacting customer support to trouble shoot new issues almost weekly. They're nice, and I appreciate them. But it's not decreasing my workload at all.

I don't even care about budgeting or any fancy features. I need an app that will connect with my banks (Tangerine for daily banking, CIBC for credit card) and upload my transactions without constant issues. The problems are all with Tangerine, btw. Several different bugs, too numerous to describe.

I'm even ok with updating my investment account balances manually. But the checking and cc transactions are numerous and I'm spending too much time double-checking everything and making sure it's all there. I'm so fed up and exhausted by this.

Please share what has worked for you or any other feedback that might help. Thanks.

Hey guys,

just wanted to say thanks for all money enthusiast and feedback you gave in a past. Wanted to share a small native offline tool (free). If anyone needs a better way to track currency rates.

👇👇👇

[Convert FX](https://apps.apple.com/us/app/convert-fx-currency-rates/id6768726063)

Hi everyone. I'm a personal finance enthusiast like many of you, but for a long time, I dealt with two huge frustrations:

1. Managing and updating Excel spreadsheets from a phone is a nightmare.
2. Finance apps on the Play Store either bombard you with 30-second ads right after you log a transaction, or they demand expensive subscriptions just to show you a simple pie chart.

So I thought: "You know what? I'll just build one myself."

Over the last 3 months, I’ve worked tirelessly to develop Patrimonio (using Lovable for the web-app structure and Median to wrap it natively for Android). I built it specifically for my own needs: not to micro-track every single coffee I buy, but to have a clear overview of my long-term investments, DCA (Dollar Cost Averaging) plans, savings accounts, crypto, and fixed recurring expenses.

What the app does (100% free and zero ads):

• Tracks accounts, cards, investments, and cash (Manual entry for maximum privacy).
• Automatically manages recurring transactions (perfect for broker DCA plans or fixed utility bills).
• Provides a "Wealth Forecast" chart estimating how your net worth will grow based on your average savings.
• Features a clean Light/Dark mode interface, where I tuned every single button so you don't waste time.

The Privacy Question: Data is saved on a cloud database (Supabase) but is tied exclusively to an anonymous User ID. No one (not even me) can associate those numbers with a real person or an email address. They are just encrypted strings of numbers.

Why I'm posting here: Currently, the app is available only for Android. I poured my heart and soul into this for 3 months to make it completely bug-free for my own daily use, but now I’d love to know if it makes sense to you guys too.

Here is the link to the Play Store: https://play.google.com/store/apps/details?id=co.median.android.xleldxr&pcampaignid=web_share

My question for you is: could this be a valid alternative to your current tracking methods? And most importantly, after trying it, is there a core feature you feel is absolutely missing to make it perfect?

I welcome any kind of critique; I really need it to learn and improve the app. Thank you so much to anyone who takes a look!

I've been using Credit Karma to track my spending. Every week I'd go in and re-categorize transactions that were incorrectly categorized so that I'd have accurate per-category spending at the end of the month. At the end of June I noticed my June spend was looking really high. Some of the categories were reporting really high numbers. When I would drill into those categories I noticed the transactions inside of them didn't add up to the number the category was reporting which seems like a pretty big mistake.

What I think was happening is that when I re-categorized the transactions (say, a credit card payment moving from "Bill & utilities" to "Transfers", the spending categories didn't update.

Has anyone else noticed this or know of any way to fix it? I don't want to remove and re-add all my accounts because I'll have to do the re-categorization again for all the months.

It's really time consuming to check mutual funds, stocks, fd and other assets value manually.. so if anyone knows some app/site where we can feed all our assets and see combine results?

Checkout here: https://web.archive.org/web/20070613161846/http://www.mint.com/blog/

Train wreck Tuesday, Frugal Idea Fridays, Carnival of Personal Finance...

I'm starting to miss those days even though I wasn't a mint user that time 😞

Does anyone miss it?

The app reads the payment notifications your bank or wallet app already sends you and logs each expense automatically. No bank login, no account linking, everything stays on the device. If it doesn't recognize your bank's notification format, you show it once where the amount is and it learns from there.

Other stuff: budget cycle starts on your payday instead of the 1st of the month, big unexpected expenses can be spread over several months, savings envelopes, charts, widget. Languages: English, Italian, French, German.

It's live on the Play Store, free with ads (optional premium, most features also unlockable via rewarded video).

Where I need testers most: banks outside Italy. Italian banks are well covered, but the "teach it your bank" flow needs real-world testing with foreign notification formats. If your bank's notification gets parsed correctly on the first try, or if the teaching flow fails, both are gold for me.

Also useful: does the first-run setup make sense in the first two minutes, and does the listener survive on aggressive phones (Xiaomi, Huawei)?

Link: https://play.google.com/store/apps/details?id=com.zebbb.app

I reply to everything, bug reports especially welcome.