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Show HN: Paisa – Open-Source Personal Finance Manager

paisa.fyi

11–20 of 288 posts

Re: Show HN: Paisa – Open-Source Personal Finance Manager

#11
post #10

What's with the thousand separator being placed on every 2 digits except for the last 3 digits? How do you even do that, unless you manually regex it? If that's the case, already looks weird on technical decisions. There's never a decent open source self finance management app somehow. It's either bloated or just doesn't look easy on the eyes for simple day to day use.

That's how they are delimited in India and the author is probably from there.

https://en.m.wikipedia.org/wiki/Indian_numbering_system

Re: Show HN: Paisa – Open-Source Personal Finance Manager

#12
This looks awesome. I love that it's built on ledger. I have been wanting to move away from Simplifi Money for some time for obvious reasons (owned by Intuit). It seems that the real moat is pulling the data in a consistent and correct way. Yes, you COULD try to find every single export option for every bank, but I think Plaid is really the only service that pulls this data somewhat correctly, due to the U.S. not having a PSD2 equivalent in our laws.

So the question is, would it make sense to have a Plaid plugin for this? Obviously because they are a 3rd party, it negates some of the benefits, but I simply cannot use this system manually because I have so many accounts. Maybe one workaround is to pull from Tiller (which uses plaid), then export a csv/excel.

Any chance there's a good plan in place to get automated data imports working, even if we need a 3rd party to do it?

Re: Show HN: Paisa – Open-Source Personal Finance Manager

#13

I am probably the target audience for this kind of thing, but I’m having trouble seeing myself slog through hundreds of household transactions every month (or putting in the time to automate transaction imports from my credit union and credit cards). I’m happy to huck money at YNAB to do all this for me, on top of which they give me an app that my wife and I can both use to check the budget and enter transactions on…

Yeah, I'm in the same boat. I've used YNAB for almost a decade now, but wish it were more powerful for things like investment tracking. I tried last month to get into the ledger systems (beancount, specifically), but it's a huge additional time sink. And implementing YNAB-style envelope-based budgeting on top of them is always a bit of a hack. Went back to YNAB quickly.

Re: Show HN: Paisa – Open-Source Personal Finance Manager

#15
This is great!

If you could add multi-language support, then I'm sure my family will use it :)

> I am interested in knowing what people normally want to understand about their finances

For my family use cases - seeing upcoming expenses and how much is left in the account on the specific dates in a calendar time-flow view, this way we can see how and when things are spent and if new entries are added we can plan for how much is left at a specific target date (like a trip). I've seen nothing like this, so would be extremely useful.

Re: Show HN: Paisa – Open-Source Personal Finance Manager

#16
post #10

What's with the thousand separator being placed on every 2 digits except for the last 3 digits? How do you even do that, unless you manually regex it? If that's the case, already looks weird on technical decisions. There's never a decent open source self finance management app somehow. It's either bloated or just doesn't look easy on the eyes for simple day to day use.

The author is from India (myself) and this is how numbers are formatted there. Locale can be configured via configuration page, so it's just a matter of changing it to `en-US` if you want thousand separator.

Re: Show HN: Paisa – Open-Source Personal Finance Manager

#17

This is great! If you could add multi-language support, then I'm sure my family will use it :) > I am interested in knowing what people normally want to understand about their finances For my family use cases - seeing upcoming expenses and how much is left in the account on the specific dates in a calendar time-flow view, this way we can see how and when things are spent and if new entries are added we can plan for h…

Haven't used it but it sounds like this feature would work?

https://paisa.fyi/reference/budget/

Re: Show HN: Paisa – Open-Source Personal Finance Manager

#19

This looks awesome. I love that it's built on ledger. I have been wanting to move away from Simplifi Money for some time for obvious reasons (owned by Intuit). It seems that the real moat is pulling the data in a consistent and correct way. Yes, you COULD try to find every single export option for every bank, but I think Plaid is really the only service that pulls this data somewhat correctly, due to the U.S. not hav…

Mint already uses Plaid, but I the transaction information it gets is too low in information to categorize anything reasonably. For example my Amazon Grocery transaction happen on my amazon Chase Credit card(gives me 5% discount).

But connecting to Chase.com using plaid pulls in transaction statement is still information poor. The obvious consequence of this is that budget information is not correctly reflected in Mint(that info is actually in my Amazon.com silo). The only way to fix this rn is sadly manually.

As a tangent, I do feel though that LLM agents that can one day act on individuals behalf, reading info and making this manual job far more easier in absence of any govt regulations.

Re: Show HN: Paisa – Open-Source Personal Finance Manager

#20

This is incredible! Great job building this and also writing the documentation that explains concepts as well as how they are implemented. I can't believe how many comments here are dismissive. If you are happy using a paid solution to manage your finances and don't want to get into the weeds yourself, you are probably not the target audience for this. One suggestion would be to make the country-specific pieces like…

> One suggestion would be to make the country-specific pieces like tax calculations module so others can contribute their own.

This is something I have been thinking about, I need to figure out the base abstraction. Even the current implementation (which is basically written for my personal use cases) has too many conditions/grandfathering etc, I suspect it might not be accurate.

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