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If you want a referral link: https://lunchmoney.app/?refer=3xlamc3c
I use Copilot ( https://copilot.money ) easily the best in the game. Great UX, native app on IOS and Mac and can connect from mmy credit cards to my stocks (e.g. robinhood) and even crypto
Here’s my referral code if you’re interested: https://lunchmoney.app/?refer=igqb31gn
I used to use YNAB and tried Mint, but I don’t want to pay a monthly fee. YNAB is cheap ($5/month) but it was just a spreadsheet with categories and I expect I’ll need this info forever so $60/year x 50 years adds up.
I have 13 years of data and it’s useful for taxes, business disputes, planning, long term budgeting, and backup/restore.
I'm from India and I use Fold¹ for this. They make money tracking easier using the account aggregator framework², which is provided by an RBI³ regulated entity. They are currently in invite-only for both iOS (beta) and Android (alpha).
They are very feature-rich and implement those with utmost care to design, UX and engineering. The team is small and everyone is committed to the goal of making finance easier and seen. All amazing people!
Highly recommended for people in India.
2. https://sahamati.org.in/what-is-account-aggregator/
3: Reserve Bank of India
Imagine a Google sheet where 1 tab pulls in all your transactions from each of your banks / credit cards / investment accounts and the other tabs are... Whatever you can imagine.
I am a huge fan, after I graduated from mint.com I've never looked back after finding Tiller.
You can customize to your hearts content (it's Google Sheets, after all), plus they have handy template sheets to get started with.
I personally have sheets to track my monthly spending (by category), my networth, my checking account balance vs sum of all credit card bills, my progress on credit card signup bonus minimum spend challenges are more.
I have been thinking, if I were to create a budget tracker, my hot take would be to make an imperfect one, aimed at people who don't need to budget "to survive" and so can make a mistake, overspend and then reign it in next month.
This software would just track the major source of discretionary spend: your credit card, and auto allocate to buckets using AI mostly, and maybe email you an alert if overspending (like the battery alerts from Ring!).
Any non credit-card account tends to be used for essentials like bills, mortgage and so on. Since I am not going to not pay those, it doesn't matter.
The idea is to say "can spend $10,000/m on credit card" or whatever, and go from there.
MVP: download credit card CSV, run some local python code to auto allocate and fire off email if there is an issue (there was an API to email thing posted on HN a while back).
I don't. I tried YNAB for a long time, but it just got too stressful. I have been thinking, if I were to create a budget tracker, my hot take would be to make an imperfect one, aimed at people who don't need to budget "to survive" and so can make a mistake, overspend and then reign it in next month. This software would just track the major source of discretionary spend: your credit card, and auto allocate to buckets…
I feel there are many use cases for an app that can just regularly pull financial transactions, perform a function on them and spit out an email on a regular basis or on some kind of a trigger.
I wrote a SaaS tool for letting me know when a stock sale would trigger a wash sale event for tax purposes. I host it at https://washsaleadvisor.com. It uses plaid to pull the trade transactions from most bank APIs and sends me a daily email with useful info. The last feature I added was refactoring the wash sale functionality into WASM functions and then put a code editor in the dashboard. Anyone who signs up could theoretically turn "wash sale advisor" into basically any operation that iterates through transactions and renders an email and sends via sendgrid.