Show HN: Lunch Money, a personal budgeting tool with multi-currency support

1. Mint and others always seem to automatically count transferring money from Chase to an external savings account as spending which drives me insane.

2. Not being able to split transactions (which you solved)

3. Reassign the date of a transaction, or from a technical perspective, create an "effective date" in addition to the true transaction date. I've been back and forth on whether this is actually a good idea or not. But I really want to count my July 5th electrical bill as a June expense, for example.

1. Right now I'm using Plaid to connect to bank accounts which currently only supports US and Canada-based banks (but even then, some banks are not supported fully). The next plan is to allow people to manually import their bank transactions via CSV, and after that, look into a European-based and/or Asia-based version of Plaid. That being said, anyone can use Lunch Money to add transactions manually in any of the 150+ currencies currently supported.

2. So we do a couple of things under the hood– auto-categorization and picking out your recurring (monthly) expenses. Our auto-categorization gets smarter as you make any fixes (via Category Rules). We also offer a lot of transaction management features such as splitting and grouping which you can use to make sense of your own spending habits.

3. Yes, our latest feature, grouped transactions, exactly fits your use case. You can use grouped transactions to link up credit card payments (i.e. -$200 from your chequing account, +200 to your credit card combines to $0 in your transactions list!) or track friends paying you back (i.e. you picked up the $200 tab for a dinner with 6 friends. You can group together that big transaction plus all your Venmo transactions to reflect how much your share actually was).

Thanks for the questions!