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Show HN: Paisa – Open-Source Personal Finance Manager

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

#81

Post by JTyQZSnP3cQGa8B »

MenhirMike wrote: post #67

Has anyone compared this to YNAB4? (Not the cloud-only subscription-only YNAB, but the good one that was killed off in 2019) It's by far the best household bookkeeping tool I've ever used, but it won't ever get updates again (running it in a VM just so I can make sure I will always be able to run it), and it would be nice to have something that can track stocks and maybe even foreign currency - but for now, I would b…

I use YNAB 4 every day on macOS thanks to patches available online for the Adobe Air framework (from 32 to 64 bits). What OS are you using?

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

#83

Post by domh »

jon-wood wrote: post #77
domh wrote: post #72

Earlier quoted context omitted.

It's been a little while since I've looked into the Open Banking API stuff - how easy is it to use this API as a consumer? Or do I have to create a business and apply for a license in order to use it?

Open Banking is in some ways misnamed - you can't as an end-user just do OAuth and get a data feed out of your account, you'll have to go via a third party who've jumped through all the hoops.

Got it! That's what I thought (feared). I wonder if there are ever plans to open it up to general use, or if it would be easy as an end user to jump said hoops.

I wonder if there are any open source third parties?

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

#84

Post by criloz2 »

sdfghswe wrote: post #78
cultofmetatron wrote: post #28

Earlier quoted context omitted.

its also a term used to refer to women with a certain "look" from medellin. my ex was an example. "paisa as an areppa" is a pretty common term there.

Tell us, what does it mean? "as an areppa" suggests flat and round...?

It's the same as saying "American as a burger", arepa is just a traditional food in Colombia, a bread made of corn

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

#85

Post by jpeeler »

ananthakumaran wrote: post #65
robcohen wrote: post #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 hav…

I can try to improve import functionality, but Plaid etc is quite hard. I can't even figure out their pricing model from their page. So, as a free app I don't think it can support Plaid.

You just need to have each person create their own Plaid account (which is probably the way you want it anyway). The free tier supports 100 institutions.

Last time I looked at this, I thought it was stated that the free/sandbox tier is not guaranteed to have the same SLA as the production environment. But I can't find this in the documentation anywhere.

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

#86

Post by waynesonfire »

chrbr wrote: post #13
velcrovan wrote: post #5

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.

> wish it were more powerful for things like investment tracking.

Community needs an open-source version of YNAB, not another gnu cash clone.

Plaid solves the transaction import problem, the hardest part, unfortunately at the expense of privacy.

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

#87

Post by MenhirMike »

JTyQZSnP3cQGa8B wrote: post #81
MenhirMike wrote: post #67

Has anyone compared this to YNAB4? (Not the cloud-only subscription-only YNAB, but the good one that was killed off in 2019) It's by far the best household bookkeeping tool I've ever used, but it won't ever get updates again (running it in a VM just so I can make sure I will always be able to run it), and it would be nice to have something that can track stocks and maybe even foreign currency - but for now, I would b…

I use YNAB 4 every day on macOS thanks to patches available online for the Adobe Air framework (from 32 to 64 bits). What OS are you using?

I use Windows, though I did download the 64-Bit macOS patch just in case I ever need it. Mostly just playing it safe in case there are future incompatibilities because they'll have to pry YNAB4 from my cold, dead hands - unless I find an actual alternative :D

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

#88

Post by mgkimsal »

sbehere wrote: post #52

I think it helps if personal finance managers explicitly describe at least the following: 1. What automation, if any, exists for entering transactions? This is the most laborious/cumbersome part of personal finance. Some tools use financial data aggregators (plaid, yodlee etc.) that involves sharing login credentials with a third party, sometimes disabling 2FA, or other steps that are anti-security or anti-privacy. I…

> How is categorization of transactions accomplished? Ideally, I want autocategorization based on my own previously categorized transactions, since the bulk of my transactions are repeats at the same merchants.

One of my aggregators categorizes any alcohol purchases (purchases from a state 'ABC' store) as 'home improvement'. While technically the house looks better when I'm drunk, I still thinks it's a mistake, and I submitted feedback to them. 2 years ago. No change.

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

#89

Post by abdullahkhalids »

piperswe wrote: post #59
abdullahkhalids wrote: post #25

Earlier quoted context omitted.

GnuCash can import directly from your bank [1]. There are also some mobile apps [2], but they are not super well integrated with the desktop application - I think you have to manually export and import every time. [1] https://www.gnucash.org/docs/v5/C/gnucash-manual/tools-on-li... [2] https://wiki.gnucash.org/wiki/GnuCash_and_Mobile_Devices

It can import directly from some banks maybe, but certainly not my bank. I haven't had any success importing to GnuCash from _any_ bank I do business with.

There is also the plaid api to gnucash [1], which should work with a lot more banks. Personally, I have not used any of these. My banks allow csv downloads, which works well enough for me. I wouldn't give my data to a 3rd party in any case.

[1] https://github.com/ebridges/plaid2qif

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

#90

Post by ananthakumaran »

MenhirMike wrote: post #67

Has anyone compared this to YNAB4? (Not the cloud-only subscription-only YNAB, but the good one that was killed off in 2019) It's by far the best household bookkeeping tool I've ever used, but it won't ever get updates again (running it in a VM just so I can make sure I will always be able to run it), and it would be nice to have something that can track stocks and maybe even foreign currency - but for now, I would b…

OFX is unheard of in my country. I would look into it if someone could open a issue and attach a few sample OFX files.
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