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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

#261

Post by Brajeshwar »

19f191ty wrote: post #259
Brajeshwar wrote: post #213

Earlier quoted context omitted.

It is a long story, but here is the short from my perspective. I left after a year and made the mistake of spending two years building an audio-video dating app. Poor men’s FaceTime-ish tech, but the business failed. However, I sold/transferred the tech to an investor. When we released its beta, early users were happy with the new-age design and one of the best user experiences in a web app for India. Later, I heard…

Interesting journey for all of you then. Why did Moneycontrol sue? I wish they had the foresight of buying the tech from you guys instead? The interface really was ahead of its time then. They could have used that. Cool! What are you doing with climate?

I left by then, and I'm not aware of the details about MoneyControl.

We are entering the Climate Tech scene via MRV (measurement, reporting, and verification) tools by leveraging super-resolution algorithms and Multi-Spectral analysis, aiming for cost-effective and detailed insights. By integrating RADAR/SAR with RGB/MS data, we ensure consistent data collection, even in cloudy conditions, fostering broader engagement in climate action.

We are selling to enterprises beginning with some of the ML tools that we wrote.

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

#263

Post by OJFord »

This is really weird for me, a few years ago I was trying to build exactly this - as in same ledger-based, local-first/only etc. decisions - only difference really was that I never got as far as visualisations, and faffed about with PDF->ledger instead until I lost motivation for the project.

Very nice to see! I look forward to trying this out properly soon. I recommend not bothering with PDFs, OCR errors however occasional ruin it - it's worse if they're rare in a way, since you come to trust it. If you really do want it, extract the actual text layer instead. There won't always be one, tables will be a mess, and sometimes there'll be a lot of nonsense - but at least the correct content that is there will be £74.97 or whatever, not misread as £24.87.

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

#264

Post by FlyingSnake »

Brajeshwar wrote: post #213
19f191ty wrote: post #174

Earlier quoted context omitted.

I remember that! I really liked it. What happened to it? And what are you upto these days?

It is a long story, but here is the short from my perspective. I left after a year and made the mistake of spending two years building an audio-video dating app. Poor men’s FaceTime-ish tech, but the business failed. However, I sold/transferred the tech to an investor. When we released its beta, early users were happy with the new-age design and one of the best user experiences in a web app for India. Later, I heard…

Please write the paisa.com story from your PoV. It was such a breath of fresh air and I loved the site. I was really sad to see it shutdown.

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

#265

Post by pasc1878 »

bbor wrote: post #256
maccard wrote: post #236

Earlier quoted context omitted.

Third party cookies aren't illegal in Europe.

But are these third party…? Maybe I’m just way behind. If you use cookies to track usage of your site, isn’t that kinda second party?

No. The web site and the user are the first two parties. They have a relationship.

Third parties are parties who do not have a direct relationship with both parties.

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

#266

Post by jkka »

Brajeshwar wrote: post #261
19f191ty wrote: post #259

Earlier quoted context omitted.

Interesting journey for all of you then. Why did Moneycontrol sue? I wish they had the foresight of buying the tech from you guys instead? The interface really was ahead of its time then. They could have used that. Cool! What are you doing with climate?

I left by then, and I'm not aware of the details about MoneyControl. We are entering the Climate Tech scene via MRV (measurement, reporting, and verification) tools by leveraging super-resolution algorithms and Multi-Spectral analysis, aiming for cost-effective and detailed insights. By integrating RADAR/SAR with RGB/MS data, we ensure consistent data collection, even in cloudy conditions, fostering broader engagemen…

Do you think enterprises/private corps are interested in proactive climate action? Seems more like something government orgs would invest in, no?

Also, you guys hiring interns/FTE? :D

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

#267

Post by jldugger »

scubakid wrote: post #58

It's interesting how many tools can analyze where your money has been going, but few go deep on the planning + forecasting side. Have you thought about building out the "retirement" module more? If you need any inspiration, I've been working on a personal finance simulator [1] for the past two and a half years as a side project. Really great job with the docs on this, and I love that you include a demo environment! I…

Realistically, the data you need for retirement planning doesn't intersect much with double entry personal finance data. How much you spend on subway last week has nothing do to with your risk of financial ruin at age 90.

All you really need from that dataset is your current portfolio. Everything else you need is specific to investing -- variance of investment, portfolio mix, covariance of returns, age of retirement, life expectancy, etc. From that standpoint, it's practically an entirely new product.

There's also something to be said about the 4 percent rule, and whether additional forecasting work actually improves outcomes. Heuristics seem do to a decent job.

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

#268

Post by Brajeshwar »

jkka wrote: post #266
Brajeshwar wrote: post #261

Earlier quoted context omitted.

I left by then, and I'm not aware of the details about MoneyControl. We are entering the Climate Tech scene via MRV (measurement, reporting, and verification) tools by leveraging super-resolution algorithms and Multi-Spectral analysis, aiming for cost-effective and detailed insights. By integrating RADAR/SAR with RGB/MS data, we ensure consistent data collection, even in cloudy conditions, fostering broader engagemen…

Do you think enterprises/private corps are interested in proactive climate action? Seems more like something government orgs would invest in, no? Also, you guys hiring interns/FTE? :D

They have to, and enterprises are the only ones that can have an outsized impact. The government mandates them, and the incentives are getting more substantial to be part of the action. I won't go into details, but YCombinator's RFS[1] does an excellent explanation (albeit from a more commercial angle).

We are not proactively seeking but are always open to interesting people. Email me at brajeshwar@oinam.com and we can talk.

1. https://www.ycombinator.com/blog/rfs-climatetech/

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

#269

Post by Brajeshwar »

shauryamanu wrote: post #238
Brajeshwar wrote: post #2

Nostalgia. I led a small team in 2009 and built Paisa.com - a financial/investment Startup. I still have the initial mockup designs I did in a hotel room in Delhi/Gurgaon to pitch to NDTV.

I remember seeing it promoted on Gpay, if I remember correctly.

Really? For the initial Paisa.com, I doubt that. We predated GPay by years.

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

#270

Post by [deleted] »

avirut wrote: post #162
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…

One option I'd recommend for anyone working towards this is to use the SimpleFIN Bridge [0], which is basically an API wrapper around MX (a Plaid competitor) designed for personal use by the same people that make Budgeting with Buckets. Data security is definitely an issue, but I value having my transactions automatically imported more than I'm concerned about the risk of SimpleFIN being breached. I've personally use…

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