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Show HN: Trackm, a personal finance web app

trackm.net

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Re: Show HN: Trackm, a personal finance web app

#21

Post by wesdie »

kkfx wrote: post #16
deweller wrote: post #2

I use YNAB. I thought about building my own now that AI coding make this feasible. But the moat that I can't cross is the integration with my bank accounts. Plaid and the like are too expensive and don't cater to one-off users like me. Has anyone been able to find a personal financial data provider that has a reasonable price?

GoCardless might be an option, at least for OpenBank (UE/SEPA), no idea for the USA though...

I think GoCardless stopped accepting new accounts recently, which makes it a bit harder to rely on now.

Feels like the options for EU/SEPA are still pretty limited. I’ve been looking into alternatives as well, curious if you’ve found anything that works well also?

Re: Show HN: Trackm, a personal finance web app

#22

Post by amrawad »

deweller wrote: post #2

I use YNAB. I thought about building my own now that AI coding make this feasible. But the moat that I can't cross is the integration with my bank accounts. Plaid and the like are too expensive and don't cater to one-off users like me. Has anyone been able to find a personal financial data provider that has a reasonable price?

Check out Lunch Flow, that's the exact reason I built this :) we Aggregate multiple providers behind a simple api for global coverage, and with a pricing friendly to individuals not businesses.

Re: Show HN: Trackm, a personal finance web app

#23

Post by kkfx »

wesdie wrote: post #21
kkfx wrote: post #16

Earlier quoted context omitted.

GoCardless might be an option, at least for OpenBank (UE/SEPA), no idea for the USA though...

I think GoCardless stopped accepting new accounts recently, which makes it a bit harder to rely on now. Feels like the options for EU/SEPA are still pretty limited. I’ve been looking into alternatives as well, curious if you’ve found anything that works well also?

So far GoCardless works for me, maybe they still kept old accounts. I've heard of https://enablebanking.com but never tried them. I know also:

- https://www.saltedge.com

- https://www.fabrick.com

- https://www.bridgeapi.io

but they do not offer a free tier AFAIK

Otherwise, with the scraping approach Woob https://woob.tech/ (FLOSS) works well enough on some banks... It's damn absurd that banks and even supermarkets do not offer authenticated feeds for data export but that's is unfortunately...

Me personally I think banks do their best to push people toward cryptos only because of their crappy services... Even the worst CEx offer better data access the banks...

Re: Show HN: Trackm, a personal finance web app

#24

Post by wesdie »

kkfx wrote: post #23
wesdie wrote: post #21

Earlier quoted context omitted.

I think GoCardless stopped accepting new accounts recently, which makes it a bit harder to rely on now. Feels like the options for EU/SEPA are still pretty limited. I’ve been looking into alternatives as well, curious if you’ve found anything that works well also?

So far GoCardless works for me, maybe they still kept old accounts. I've heard of https://enablebanking.com but never tried them. I know also: - https://www.saltedge.com - https://www.fabrick.com - https://www.bridgeapi.io but they do not offer a free tier AFAIK Otherwise, with the scraping approach Woob https://woob.tech/ (FLOSS) works well enough on some banks... It's damn absurd that banks and even supermarkets do…

Yeah GoCardless still works, just not for new accounts sadly.

Feels like the options are still pretty limited unless you go paid/enterprise.

Woob is interesting, but scraping always feels like a ticking time bomb.

Thank you for the suggestions!

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