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Actual is going open-source

actualbudget.com

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Re: Actual is going open-source

#91

Post by ashirviskas »

nerdjon wrote: post #89

I am curious, what do people use for budgeting? Mint seems like the most feature rich, but not only do I not want to support their parent company because of their Tax lobbying... but I don't trust them from a privacy standpoint (Considering its free). YNAB and Monarch both seem like really good options. But I have not looked into them much yet. I currently use Copilot (iOS only... really just iPhone, no iPad app). I…

>But going out, groceries, etc. those are the complicated ones.

Which is why I don't actually track those day-to-day. I'm using revolut and it gives me a pretty decent estimate of spent per category per month, give or take 15%.

Then I use a slightly modified google sheets budgeting template (it's right there) and just put all the numbers there. Quite convenient and you can see all the data + add custom formulas if you want to.

Re: Actual is going open-source

#92

Post by ChrisClark »

nerdjon wrote: post #89

I am curious, what do people use for budgeting? Mint seems like the most feature rich, but not only do I not want to support their parent company because of their Tax lobbying... but I don't trust them from a privacy standpoint (Considering its free). YNAB and Monarch both seem like really good options. But I have not looked into them much yet. I currently use Copilot (iOS only... really just iPhone, no iPad app). I…

Lunchmoney.app has a collaboration feature, but the description isn't clear enough to see if it's what you're looking for.

Re: Actual is going open-source

#93

Post by julienb_sea »

Dayshine wrote: post #82
daenz wrote: post #49

Earlier quoted context omitted.

My read on that is that it is total comp, so it includes bonuses/RSUs/options. If you're not negotiating for those things, what are you doing. Though $200k base salary is not a crazy salary for a staff/principle/high-level engineer. I don't think people realize how corrosive to mental health a $200k engineering job can be though. I was making very close to that as a base salary, and the amount of responsibilities I h…

You realise people work jobs as vital and stressful as that for a quarter of the money right? And that most people in the workforce don't get significant bonuses, and no shares. Software engineering is an absurd bubble.

Tech salaries are a direct result of basic supply/demand. The available supply of workers and the demand for a job are, to a certain extent, independent from how "vital and stressful" the job is.

The only bubble that might pop is an America first hiring mindset which constricts the supply. If this were to change I would expect tech salaries in America to go lower. Then again, this is not that hard to do, most large tech companies already have major offshore dev teams. There are clearly reasons why companies don't move more of their spend offshore.

Re: Actual is going open-source

#94

Post by adamhp »

bern4444 wrote: post #60

There are a lot of tools like Actual (YNAB, Monarch, Mint, Aspire google sheet etc). All are focused on budgets and mostly managing cash accounts. I've always wanted an equivalent but for investments. I know you can sync investment accounts to some of these, but that only reports the balance generally. I'd love to have the equivalent for investment accounts that answer these questions: What is my sector exposure? How…

Check out https://projectionlab.com/

Re: Actual is going open-source

#95

Post by usayimunderpaid »

runako wrote: post #84
mellosouls wrote: post #48

Earlier quoted context omitted.

you can have a cushy tech job making 200K relatively easy Some of these claims seem to come from people living on a different planet to me. Yes you can make that, but only if you are in a tiny (and normally very privileged) set. The way it's breezily posted on this forum at times shows perhaps just a leeetle disconnect with the mainstream tech world

$200k is increasingly a mid-career engineering salary in many parts of the US. Some quick examples taken from companies reported on levels.fyi, where pay around $200k was reported for people working outside the most expensive US cities plus Austin: - Lowe's (Charlotte): https://www.levels.fyi/company/Lowe-s/salaries/Software-Engi... - Equifax (Atlanta): https://www.levels.fyi/company/Equifax/salaries/Software-Eng...…

As a technical lead (one level above senior software developer in my current company), I make €96k in Germany. I had an interview with Klarna, and they offered me €85k (they actually started with 75 and went up to 85), and the interviewer nearly laughed at me when I asked for €110k.

Different continent, different problems? :)

Re: Actual is going open-source

#96

Post by rglullis »

daenz wrote: post #49
mellosouls wrote: post #48

Earlier quoted context omitted.

you can have a cushy tech job making 200K relatively easy Some of these claims seem to come from people living on a different planet to me. Yes you can make that, but only if you are in a tiny (and normally very privileged) set. The way it's breezily posted on this forum at times shows perhaps just a leeetle disconnect with the mainstream tech world

My read on that is that it is total comp, so it includes bonuses/RSUs/options. If you're not negotiating for those things, what are you doing. Though $200k base salary is not a crazy salary for a staff/principle/high-level engineer. I don't think people realize how corrosive to mental health a $200k engineering job can be though. I was making very close to that as a base salary, and the amount of responsibilities I h…

Again, what part of the world are you on?

Even in Berlin, with all the talks about it becoming a top destination for tech people, I'm yet to hear any 6-figures offer. Even the blockchain companies that were flush with cash were paying 90-95k€ to their top people, maybe a 10-20% performance bonus. Mind you, we are talking about Germany where the tax is ~42% of your income at this bracket if you are single.

When I was freelancing, pay was higher, but my best year hit around 130k€ net income, and that only because I deferred a lot of it and got an accountant that advised me to put as much as possible into a private pension fund to have a bigger tax deduction. If I wanted to have that cash in hand, I would've ended up with maybe 80k€?

Yes, cost of living is lower (though rapidly rising, and it is not a post-pandemic thing) and there is plenty of social welfare benefits. Especially after having kids, I wouldn't go to the US for a $200k/year job. But to think that this kind of compensation is par for the course shows a huge disconnect from the reality in the rest of world.

Re: Actual is going open-source

#97

Post by gabereiser »

daenz wrote: post #49
mellosouls wrote: post #48

Earlier quoted context omitted.

you can have a cushy tech job making 200K relatively easy Some of these claims seem to come from people living on a different planet to me. Yes you can make that, but only if you are in a tiny (and normally very privileged) set. The way it's breezily posted on this forum at times shows perhaps just a leeetle disconnect with the mainstream tech world

My read on that is that it is total comp, so it includes bonuses/RSUs/options. If you're not negotiating for those things, what are you doing. Though $200k base salary is not a crazy salary for a staff/principle/high-level engineer. I don't think people realize how corrosive to mental health a $200k engineering job can be though. I was making very close to that as a base salary, and the amount of responsibilities I h…

The mental health aspect I think is often overlooked. When young engineers are eager to climb the ladder into senior/principal/distinguished positions (this was me, btw) they often overlook what it does to your mental health. The beginning seems great. Big problems, big solutions, everyone knows what’s their role in it and how to get it done. Over the years that view will fade. The certainty of success replaced by tooling up, research, supporting articles, still engineering hard stuff, fielding workshops by the business to help educate and rehash the vision to this next set of recent college grads. The complexity of the job increases as the responsibility increases.

My brother is also an engineer and instead of going after titles and management he decided to stay as an engineer for as long as he could. He’s extremely happy working on things without having direct reports. There’s a sweet spot for everyone here. Some like more freedom and time to recharge (this is me) and some can balance the demands of the work with the demands to explore work (my brother). Then there are others who dive so far head first into work they burn themselves out.

Please, take the time to find your balance. Not only will you be happier, people around you will be too.

Re: Actual is going open-source

#98

Post by Goronmon »

runako wrote: post #84
mellosouls wrote: post #48

Earlier quoted context omitted.

you can have a cushy tech job making 200K relatively easy Some of these claims seem to come from people living on a different planet to me. Yes you can make that, but only if you are in a tiny (and normally very privileged) set. The way it's breezily posted on this forum at times shows perhaps just a leeetle disconnect with the mainstream tech world

$200k is increasingly a mid-career engineering salary in many parts of the US. Some quick examples taken from companies reported on levels.fyi, where pay around $200k was reported for people working outside the most expensive US cities plus Austin: - Lowe's (Charlotte): https://www.levels.fyi/company/Lowe-s/salaries/Software-Engi... - Equifax (Atlanta): https://www.levels.fyi/company/Equifax/salaries/Software-Eng...…

That ExxonMobile link has 3 of 20 salaries being an amount above $122k and only 1 at $200k. So, even in your cherry-picked examples one of the companies only has a single person making this "mid-career salary".

Re: Actual is going open-source

#99

Post by codegeek »

mellosouls wrote: post #48
codegeek wrote: post #25

"I completely underestimated how much work it takes to build a business. There's so much overhead. I'm always figuring out why a build failed, taxes, how to triage issues, responding to support, designing UIs, responding to Apple's complaints, and more. There's so much that goes on behind the scenes. There's no way a single person can possible do this alone, especially as a side project." This is the part that resona…

you can have a cushy tech job making 200K relatively easy Some of these claims seem to come from people living on a different planet to me. Yes you can make that, but only if you are in a tiny (and normally very privileged) set. The way it's breezily posted on this forum at times shows perhaps just a leeetle disconnect with the mainstream tech world

I hear you. I meant in the context of people who can get that 200K job instead of indie hacking. I don't know the founder of "actual" personally but I just checked his twitter profile and he works in design systems at Stripe. I would guess he is not too far off from that number (all in).

Re: Actual is going open-source

#100

Post by PragmaticPulp »

mellosouls wrote: post #48
codegeek wrote: post #25

"I completely underestimated how much work it takes to build a business. There's so much overhead. I'm always figuring out why a build failed, taxes, how to triage issues, responding to support, designing UIs, responding to Apple's complaints, and more. There's so much that goes on behind the scenes. There's no way a single person can possible do this alone, especially as a side project." This is the part that resona…

you can have a cushy tech job making 200K relatively easy Some of these claims seem to come from people living on a different planet to me. Yes you can make that, but only if you are in a tiny (and normally very privileged) set. The way it's breezily posted on this forum at times shows perhaps just a leeetle disconnect with the mainstream tech world

> Yes you can make that, but only if you are in a tiny (and normally very privileged) set

If we're talking about people talented enough to actually build and ship their own apps independently, a $200K or more compensation package should be easy to come by remotely or in any medium size city.

For the truly average developer, $200K is definitely not the norm according to any compensation data I've seen.

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