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Show HN: Paisa – Open-Source Personal Finance Manager

paisa.fyi

41–50 of 288 posts

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

#41
post #27

Slightly off topic but how do people use these? Depending on where/what I pay, I pay with an assortment of credit cards, bank account, debit cards, paypal, etc. Do people who use this kind of software manually enter every transaction they do every day, or something?

I download my bank/cc statements once every few months and run them through some homemade cleanup scripts, then I could technically plug it into a tool like this.

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

#42
post #27

Slightly off topic but how do people use these? Depending on where/what I pay, I pay with an assortment of credit cards, bank account, debit cards, paypal, etc. Do people who use this kind of software manually enter every transaction they do every day, or something?

I've been attempting to build a little hobby budgetting app the past couple weeks that could automatically sync from my bank since none of the OSS options seem to be able to this and require manual logging.

I thought this would be fairly straightforward but it's been anything but that - what few open formats there were for this thing are all being sun-setted and most US based banks seem to only allow API access of any kind to established companies. The only real option is to go through Plaid which still seems to require initiating a business relationship with them to get through all the red tape.

For whatever reason, if your in the US, real time syncing of this sort of thing just isn't an option at the personal level.

Only other solution I can think of at this point is to manually scrape with a puppeteer script.

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

#43
Looks good! Paisa Vasool! Especially as it is free :-)

You don’t have to, of course, but do you plan to open source it? That way others can contribute to it too.

How tightly is it bound to ledger? How hard would it be to adapt it to other plaintext accounting programs like beancount?

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

#44
This looks really cool I've used beancount/fava for tax planning, but of course I had to code up my own tax models. In the US tax table change every year (by a predictable formula) and some forms of income are weird, like I bonds are exempt from federal tax, but are taxed by state income tax. It seems unlikely that you could support all the cases, but is there a straightforward way to plug in your own model? I did see in tax.go you had long term, short term, but couldn't quite find the income tax tables, like long term capital gains has different rates depending upon filing status and amount.

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

#45
post #43

Looks good! Paisa Vasool! Especially as it is free :-) You don’t have to, of course, but do you plan to open source it? That way others can contribute to it too. How tightly is it bound to ledger? How hard would it be to adapt it to other plaintext accounting programs like beancount?

https://github.com/ananthakumaran/paisa

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

#46
post #27

Slightly off topic but how do people use these? Depending on where/what I pay, I pay with an assortment of credit cards, bank account, debit cards, paypal, etc. Do people who use this kind of software manually enter every transaction they do every day, or something?

> Do people who use this kind of software manually enter every transaction they do every day, or something? Yes, exactly that. You can do automatic imports of your bank statements but that's arguably more hassle. It takes 10 minutes at the end of my day to record all my transactions and it gives me a complete understanding of where my money is going.

> It takes 10 minutes at the end of my day to record all my transactions

I’d love to be able to do this, but realistically (for me), I’d need something that works reliably on my worst days. If I’m out late, on vacation for a few days, dealing with some on-call thing all night, etc., I don’t want to be beholden to a 10-minute per day commitment that accumulates linearly. Discipline can only get me so far in the face of chaos—automation can take me the rest of the way there.

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

#47
post #27

Slightly off topic but how do people use these? Depending on where/what I pay, I pay with an assortment of credit cards, bank account, debit cards, paypal, etc. Do people who use this kind of software manually enter every transaction they do every day, or something?

Yes, I do this for over 15 years every day. You can easily train yourself, it never "breaks" and takes only a few seconds.

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

#48
post #27

Slightly off topic but how do people use these? Depending on where/what I pay, I pay with an assortment of credit cards, bank account, debit cards, paypal, etc. Do people who use this kind of software manually enter every transaction they do every day, or something?

> Do people who use this kind of software manually enter every transaction they do every day, or something? Yes, exactly that. You can do automatic imports of your bank statements but that's arguably more hassle. It takes 10 minutes at the end of my day to record all my transactions and it gives me a complete understanding of where my money is going.

This would be a lot harder if you have a spouse and want to track your family finances. It would require both people working together to keep it up to date, and finding that time is tough with kids.

For all the concerns and problems over tools like Mint, having all 10-20 accounts we have automatically sync their data into the system makes it so much easier to manage.

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

#49
This is awesome! I like how it's built and I looks like it's open for integrations of any kind.

I'm also too impatient to manually enter all transactions but import from PDF statement form a bank looks like a doable task. The only transactions that would be required to enter manually is cash/crypto/etc but for them there are no other choice.

Contrats with the the release Anantha and I hope your project will gain attention it deserves!

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