I recently started using this template to track my personal finances and love it! It's super easy to use and will automatically create budgets for you based on frequency of your income/expenses (weekly, bi-weekly, monthly etc.) There is a small purchase price, but totally worth the price!

https://exceltists.etsy.com/listing/1668101310/simple-personal-budget-tracker-for

https://preview.redd.it/gtvblr156gwc1.jpg?width=2000&format=pjpg&auto=webp&s=9d92ea21c526d9d0ec49603d989b43ebd059911e

Me (31m) and my partner (29F) are recently married and are finally starting to track our spending + saving together. We both have Chase credit cards, think and we’re both authorized users on each one, thinking that would let us see how much we’ve spent together. BUT - we can’t see each other’s spending when we log in to our online banking accounts - just the credit card we respectively opened.

It’s so frustrating - like, if I want to check her balance for our budgeting spreadsheet, I either need to hound her in our precious/rare time together or log in directly to her account (which also means I have to hound her for a 2FA code).

Does anyone else share their spending with Chase cards? Should we change to a different bank? Do we open a new card together? Is there software that combines our views? Even like a spreadsheet that automatically imports our spending?

Hey everyone we recently launched 2.0 of Luci (gamified budgeting app) and would love for you to try it out.

(it's only available on iOS and you have to connect your bank account via Plaid to play Luci. We do not store any financial data)

https://apps.apple.com/us/app/luci-soon-science-inc/id1608114955

Also, I made a video so you don't have to make an account to see what it's like. Explanataion about gamification starts here: https://youtu.be/veGCkwHJ0y8?si=3gcC-wHjUBm_Xf29&t=91

Thanks in advance!

P.S.

The basics of the game is that it's a space traveling game where you need to stay under your budget to keep your space ship moving (you can do additional personal finance missions to earn boosters to make your ship go faster etc)

As you travel you discover different checkpoints where you can unlock different buildings to build your world and you also earn XP based on how well you unlock the checkpoint, which then upgrades your ship to make it go faster.

As a big update to Capitally, it's now possible to estimate and report on taxes for every corner of the world. There are some built-in presets, namely for US, UK, NL, PL & IT. But the true power lies in a no-code editor with which you can create the tax rules specific to your situation.

This includes progressive tax rates, recurring wealth tax, position holding period, retirement accounts, mixing multiple tax systems among others.

You can check how they work in the demo.

I made an app called SpendDash for tracking spending habits. It's a place to visualize how your expenses change over time, on a monthly or daily basis, as well as per category of spending. The goal was for me to track my spendings so I could build a better personal finance plan, and now I've made the app public.

It starts up with some sample data, and you can easily use your own data in common table formats such as .csv or Excel files. Ideally, other apps you use, such as banking apps, can export data into this format so you can just plug it directly into SpendDash.

The app is written using the R Shiny framework and is fully open source. You can find the README and source code at the GitHub page. The live version of the app is hosted here.

Let me know if you find it useful, as well as any suggestions for further improvements!

Does anyone know about a tool that helps you organize your financial goals, plan them based on your monthly savings, and keep track of them? And when I say "plan" I just don't mean a place where I can check how much I need to save for each. I need something that can take all my goals, income, and expenses into consideration and helps me optimize my savings plan.

I think that's the only thing missing in my personal finance toolkit (since I already use a budgeting app to track expenses and an investing app) and I'm willing to create a new one if there's nothing available out there.

https://www.clearcheckbook.com/finance-tools

Surprisingly, never heard of this one until today.

Does anyone have any experience using it and comparing it to Mint, YNAB, Simplifi, Monarch, etc?

I have been considering using a managed fund from a big bank for an IRA vs throwing everything in VOO in a Vanguard account. I know many say use the latter option, however I wanted to understand the actual numbers. So I built

https://github.com/fat-fire/tools/

its my attempt to understand the mathematics behind the numbers so I can to come to the best decision. I also created a binder hosted notebook for the iterative simulation

https://mybinder.org/v2/gh/fat-fire/tools/main?labpath=Growth-Calculator--iterative-algorithm.ipynb

its also linked in the github readme

The notebook takes into consideration

* initial value to invest (principal)

* assumed yearly growth rate

* number of years to run the simulation

To understand fund performance based on growth rates I use the formula for compound interest (exponential notebook) Then I created the iterative simulation that adds some more considerations like:

* expense ratio

* yearly contributions

* yearly income/salary raises

So I can answer the question like if the bank fund has a 1% fee/expense ratio how much will their fund have to outperform the VOO to justify the fee. As well as how do different time horizons affect the differences in performance.

I hope this notebook can be useful to others, I'd also be interested in hearing if any part of my analysis is flawed. Feedback Welcomed!

This is an update to my original T-Bill Ladder Building Tool posted about six months ago. This new version updates Treasury Data about 90% faster than version 2.0, and eliminates the error where the TreasuryRates script will occasionally time out.

I personally use this for managing my emergency fund as T-Bills typically outperform CDs and HYSAs, and are just about as safe since they're guaranteed by the same government that guarantees FDIC insurance.

The spreadsheet has automated data imports from the US Treasury, a dashboard for your ladder, yield curve monitoring, estimated taxes on interest, etc.

Here is a link: https://docs.google.com/spreadsheets/d/1VXNvMzGj_sLGG-oGEePPo4Pz7Fgts8YU1t2_XFIVGPA/edit?usp=sharing

​

The dashboard provides a quick overview of you T-Bill ladder and important treasury yield data

​

The ladder view is where you plan and build out your bond ladder. It contains details of the individual T-Bills and visualizes when they will mature or be reinvested.

I get nothing from sharing this. I just like building (and using) financial tools.

VERSION LOG

v1.0

• Initial Release
• Known Bugs
  • Will quit working after 31 Dec 2022

v2.0

• Implemented a dynamic ladder that allows the user to adjust the ladder view by week
• Added the dashboard
• Tool now continues to work after December 31st
• Known Bugs
  • TreasuryRates script occasionally times out
  • Estimated yields are slightly lower than advertised yields due to weekly vs. daily calculations

v2.1

• Updated TreasuryRates script so it no longer times out and updates about 97% faster
• Update log added
• Known Bugs
  • Estimated yields are slightly lower than advertised yields due to weekly vs. daily calculations

During the height of the pandemic in 2020, I secured a $100,000 HELOC to address urgent exterior renovations to my home. I discovered later that it carried a variable interest rate. Consequently, my initial $450 monthly payment has escalated to nearly $900, reflecting a 9.72% interest rate at this time.
Despite having only paid $5,000 towards the principal thus far, I am now in a position to more aggressively tackle the repayments.

Currently, I have approximately $140,000 in cash on hand. Given that I reside in a high-cost-of-living state, my monthly take-home pay is around $12,000, with $2,500 remaining after covering living expenses. The home has no mortgage and this is my only debt. I'd like to hang on to ~at least half the cash as a safety net.
Considering this financial landscape, I am contemplating whether it would be advisable to use a portion or the entirety of my $140,000 cash reserves to reduce the outstanding balance on the HELOC. Should I chip away at the principal with extra monthly payments. Should I try refinancing into a fixed rate loan? Open to your suggestions!

I've taken over my parents' finances as they are getting older. They have fixed incomes and relatively stable expenses, but it is indeed super tight. I'm looking for a budget/planning app that will do the following:

• Sync with their checking/savings/credit card accounts. They bank at Chase and have a couple of credit cards and typical household expenses. Not a lot of volume and nothing very complicated.
• Recognize (or at least let me set up) recurring expenses and income and allow for quick cashflow monitoring.
• Send me low balance alerts and that kind of thing.
• Be available on web and iOS at a minimum.

My role is to pay attention to their balances, make sure they pay their obligations and stay out of hot water. I'd like to be able to quickly look and see how things are going to play out over the next couple of weeks and give them the greenlight to go spend discretionary or variable money on groceries and other stuff. I also need to recognize low balance moments that are coming up so I can move money in to help.

That's pretty much it.

I am trying out Monarch and Simplifi for myself but haven't gotten far enough to make a conclusion about whether either would be a good tool for my parents. Anyone have any experience adding others' accounts to either of those platforms and then excluding them from reports? Would that be an option or just be a nuisance for my own tracking? Any other platforms that would be free or low cost to isolate their stuff from mine? I am currently giving RocketMoney a try for them, and I like it so far, but dog-gone-it, it can't differentiate between their two different recurring social security payments on different days of the month and that breaks the forecasting sort of view into their budget.

Any thoughts?

I am working on http://askforapayraise.com/ because I wanted a tool to show my boss how much my salary was falling behind inflation. I have more plans for this site that would add more tools for asking for a pay raise.

I would love your feedback. Would you use something like this? What would you change? What would you add?

I am looking for budgeting apps. I was testing YNAB but they have issues with connecting accounts. It took me two days to connect my bank (a small credit union) and now I get a message that it cannot connect to Fidelity. FIDELITY!! Are you serious? (They use Plaid to connect accounts and other than entering the account manually [which does not interact in real time] they offer no other alternative.)

Too bad. I was liking what YNAB offered (every money is assigned a task). I don't mind paying for a good product, but I want to be able to connect my accounts (Fidelity, come on Plaid/YNAB!)

The reason I'm searching for a budgeting app, the issue I'm having, is that I'm overspending on my credit cards. I use my credit cards (2) to earn miles/points, however all the charges should be for items that have already been budgeted for and the occasional extra item, so I should not go over my budget, however, I constantly am. I want to see where my money is going, I want to track it.

Thank you.

Hi, my friends and I built Luci to make budgeting and building savings and credit fun and make the overall financial journey more fun and simple.

I personally wanted to build this because even though I worked on Wall St. and love numbers and quantitative things (engineering major), I found personal finance really boring and hard to keep track of.

The app is finally ready and live on iOS! https://apps.apple.com/us/app/luci-soon-science-inc/id1608114955 (only available in the US for now)

We would love to hear what you guys think.

Thank you!

If you like expense tracking / budgeting with spreadsheets, categorizing expenses manually can be a huge pain the ass.

That's why I built Unscatter - a tool that does expense categorization for you using custom categories you define: Unscatter App.

You paste in your expense descriptions, then specify the categories you want to use, and the tool does all the categorizations for you. Then, copy the processed data back into your existing budgeting spreadsheets.

Unscatter uses multiple solution methods to try to identify the most accurate category. You can add in custom rules you want to use (e.g. "Travel should include rideshare").

I'd appreciate any feedback or tips for improvement!

Capitally is a secure personal investments tracker, designed to help you monitor a variety of assets - from stocks, ETFs, real estate, crypto to custom ones like art, collectibles, or startups.

It enables you to see your whole investment strategy at a glance, deep dive into performance history, and understand what makes your portfolio move. What's more, you can import your data from any CSV or copy it from a spreadsheet and it stays completely private thanks to client-side encryption.

Until the end of November we have a Pay-What-You-Want Lifetime Deal - just start any trial and claim yours! Act fast, as we'll be increasing the minimum price each day! 🏃‍♀ 🍾

The link below contains a spreadsheet that allows you to compare two mortgages. It can also be used to create different payment scenarios.

It was created a few years ago as a teaching tool for High School AP students. No written instructions because it was used only used in the class environment. The few user required input cells have a green highlight.

As user will be forced to create a copy no account info will be shared.

https://docs.google.com/spreadsheets/d/1MAYyBA4Ydy8ICcpfnBj-xO9_LCAwdNeI-2tTECakd7A/copy

Hello PFtools!

I'm excited to share with you a project that I've been working on. It's a personal forecast budgeting tool that is designed to help you get the most out of your money. It predicts how much money you'll have in your account at any point in the future, so you can plan accordingly with ease and confidence.

With it, you can:

• forecast your future balance / cash flow,
• discover how much you can spend right now, without breaking the bank or compromising future plans,
• see how any transaction would impact your balance over time

With this method, you can plan in advance when you see that you have a deficit or surplus in the coming months. It gives you peace of mind by giving you clarity on your financial future.

You can try the live demo here.

We are currently in early access. I would love to get your feedback, or talk with you to see how it could fit your needs!

A few years ago, my partner and I felt there was a need for simple savings app. Of all the financial apps we tried, everything was feature-heavy and complex. Saving money was never at the root.

We tried to simplify things. With vested, you link your accounts to get a snapshot of your finances— based on that it recommends goals that are within reach. Choose your goal, and each month aim to close your loop.

I am a designer / developer and my partner is a financial guru. Our main objective is to get honest feedback so we can improve. Give it a whirl by starting a savings goal!

App Store Download

​

I’ve been aware of the prime directive flowchart and recommendations for savings in r/personalfinance for more than a year. Before that, I was aware of bogleheads.org/wiki/Prioritizing_investments (I’ve been a boglehead since ~2017 when I started helping my father/stepmothers' finances.)

Last year, after I switched to part time work at my day job, I started bogle.tools -- bogle.tools/savings-planner is an open-source tool I’ve built that tries to make an easier way for people to understand what savings options their employer and the government provides.

Very interested in any feedback to improve usability/usefulness!

One question I specifically have for the r/pf frequent posters/commenters, would it make sense for me to evolve my tool to work with the same prioritization and wording of the prime directive flowchart and related guidance?

If anybody has feedback/questions for me, please engage in any of these ways:

• this thread
• suggestions@bogle.tools email
• 'Rob Relyea' on bogleheads.org

Also, you can see some of the context of my publishing that tool on this bogleheads forum thread: bogle.tools/savings-planner - tool to Prioritize Investments (per bogleheads wiki)

Would love to discuss… -rrelyea

StockMarketEye - a pretty popular investment tracker just announced it will shutdown operations on 26th September leaving it's users mere weeks to download their data and find a replacement.

This guide aims to provide an objective overview of five alternative investment tracking tools worth considering as you embark on finding a replacement. Each option brings its own unique strengths and limitations to the table. I will analyse them in alphabetical order:

☝️ In the interest of full transparency, I want to note that I am the founder of Capitally, one of the apps featured in this guide. My aim is to analyze all the options in a fair and balanced manner. I believe Capitally brings unique strengths to the table, but I recognize it may not be the ideal fit for everyone.

Capitally - best for diversified multi-currency portfolios

Capitally is a new-comer, but it's already a pretty robust financial tracking tool with a modern, unique interface that encourages exploration. Its powerful multi-currency support and ability to track almost any kind of asset makes it perfect for international investors and users with diverse portfolios. This comes at a price of requiring more hands-on approach, but it shouldn't be an issue for those who want to be in control and like to poke around. In return, it's probably the only financial tool that offers end-to-end encryption.

Kubera - best for hands-off wealth management

Kubera stands out with its streamlined, modern interface, offering a user-friendly experience that won't leave you feeling overwhelmed. It's a stellar choice for users who prioritize ease of use and a clean design above all else. Kubera is designed for users who want to track their current account balances and global stocks, ETFs, and cryptocurrencies, rather than delve into historical transactions. Despite its simplicity, Kubera offers user-friendly performance reports and portfolio diversification options, but you will never be able to see data prior to signup.

Portfolio-Performance - best open-source

Portfolio-performance is a free, open-source portfolio tracker which prioritizes privacy as your data never leaves your device. It is a perfect match for advanced users who appreciate a high level of control and customization, along with an extensive range of features. However, due to the requirement of inputting your own data for market tracking, and the overall manual handling, it may not be the perfect fit for beginners or those who prefer a straightforward, simple experience.

Stock Rover - best for stock pickers

Stock Rover stands out as a platform for advanced US investors who build their portfolios through stock picking. While the interface may pose challenges for the uninitiated, experienced users will appreciate the range of charts, technical indicators, and extensive fundamental data available. However, Stock Rover supports only USD and US stocks & ETFs, limiting its appeal for international users.

Sharesight - best tax reporting

Sharesight is an advanced tool perfectly suited for individuals looking for detailed tracking and superior tax reporting capabilities. It provides tracking for global stocks, ETFs, and cryptocurrencies, as well as the ability to track custom assets. However, Sharesight truly shines in its tax reporting, offering bespoke reports tailored to an individual user's country of residence - a feature unmatched by most competitors. Nevertheless, there are certain limitations to consider, such as limited account organisation, multi-currency handling, and import options.

​

If you want more details, along with a full requirements analysis you can check the full blog post here.

Hi, I am the founder of XIllion, a team dedicated to guiding people toward financial independence. Over the last two years, we've developed various tools to enhance your financial life. Here's a list of our tools:

• 401(k) Optimizer: Recognizes high-fee funds in your 401(k) account and recommends low-fee alternatives.
• Financial Independence Tool (FIT): Organize and track your goals in one place.
• Real Estate Investment Tool: A comprehensive tool to evaluate real estate properties.
• Home Buying Guide: Decide whether buying or renting makes more sense for you.
• Debt Navigator: Discover repayment strategies and see exactly when you'll repay your loan.

We value your input! Use our product for free and tell us what you think. What can we improve? What tools should we create to add maximum value to your life?

Company 360 iOS app: Find undervalued stocks with proper due diligence.

https://apps.apple.com/us/app/company-360/id1464857130

Download is free. App has free and subscription features.

Super Investor:

https://apps.apple.com/us/app/super-investor/id1441737952 Analysis of what institutional investors own vs. retail sentiment vs. short interest.

As some background for this calculator, I couldn't find any existing resources with the level of customization I wanted, so I created this and have been modifying it over the last year or so.

Link to Calculator

Here are some factors it takes into account you may not find in a standard tool:

• Income growth rate
• Inflation
• Mortgage payoff
• Adjustible withdrawl rate
• Adjustible social security disbursement age
• Retirement tax rate
• Retirement expense ratio

Mods please note this is shared via a throwaway Google account to avoid any Doxxing issues, I hope that's ok.

Hey all -

A while back a company called Sequence.io served me an ad on IG, and honestly I really love the product they're offering. It just makes a ton of sense. I work in digital marketing and have a ton of experience with no-code tools like Zapier. The idea that i could set up a series of personal finance flows that are triggered when specific conditions are met is so ideal for me. If X balance is met in Y acct, dump the remaining balance in Z acct, If X credit card acct reaches Y balance, pay it down to Z balance, etc.

I think these rules/conditions could probably get somewhat complicated for my wife and i's accts, but thats fine. I really think it will help accelerate our saving + investing, and for one reason or another the idea that I can configure these types of flows and mostly not have to manage our budgeting/spending/saving/investing is extremely appealing.

In any case - the two tools i see that accomplish this type of "routing" are:
- https://www.getsequence.io/
- https://www.hmbradley.com/routines/listing

My issue is that neither of these tools nor their companies have particularly strong reputations or histories. I realize they're FDIC insured, but i'd rather use a tool with a bit of a stronger reputation.

Is anyone aware of alternative options that function similarly?

Appreciate any help in advance.

I built a tool for managing T-Bill bond ladders and it was recommended I post it to this sub.

I personally use this for managing my emergency fund as T-Bills typically outperform CDs and HYSAs, and are just about as safe since they're guaranteed by the same government that guarantees FDIC insurance.

The spreadsheet has automated data imports from the US Treasury, a dashboard for your ladder, yield curve monitoring, estimated taxes on interest, etc.

Here is a link: https://docs.google.com/spreadsheets/d/1VXNvMzGj_sLGG-oGEePPo4Pz7Fgts8YU1t2_XFIVGPA/edit?usp=sharing

​

The dashboard provides a quick overview of you T-Bill ladder and important treasury yield data

​

​

The ladder view is where you plan and build out your bond ladder. It contains details of the individual T-Bills and visualizes when they will mature or be reinvested.

I get nothing from sharing this. I just like building (and using) financial tools.

UPDATE: As of 23 Dec 2023, the tool has been updated to v2.1.

v1.0

• Initial Release

v2.0

• Implemented a dynamic ladder that allows the user to adjust the ladder view by week
• Added the dashboard
• Tool now continues to work after December 31st

v2.1

• Updated TreasuryRates script so it no longer times out and updates about 97% faster
• Update log added