Personal finance tools useful for getting out debt, budgeting, saving, investing, and managing your wealth.
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Hello, I would like your feedback on a software I created last night. My girlfriend was having trouble at her job categorizing accounting statements through QuickBooks, and when quick books would try to auto-categorize the statements, it would get most of them incorrect. I created a software that accepts csv files and ideally the user clicks which industry they are working with and would have defualt categories for that specific industry when clicked, I only have restaurant have a set of defualt categories. Users can efficiently organize their transactions using a color-coded category system, making it easy to visually track and manage different types of income and expenses.
Try it out: esort
Note: This is a free tool.
Hi everyone,
I have been working on a new personal finance concept. The app’s goal is to help people manage their money in a way that feels simple, interactive, and stress-free. It’s not focused on automating everything but instead encourages users to actively engage with their finances.
Here are some of the core ideas I’m exploring:
1. “Stacks” System: Instead of traditional budgets, users create “stacks” of money for specific purposes (e.g., essentials, goals, or going out). You allocate your money into these stacks and track spending from them directly.
2. Spending Over Budgeting: The focus isn’t on restricting spending but on helping users understand what they can spend without guilt. The idea is to make spending smart, not just cutting back.
3. Debt Tracking: For credit card users, the app aims to simplify debt management by moving unpaid balances into a dedicated “Debt Stack.” This stack would help users understand how overspending impacts their debt and suggest ways to pay it off faster while still enjoying life.
4. Interactivity and Engagement: Instead of a spreadsheet-style budget, the app uses drag-and-drop interactions for allocations. It’s designed to feel less overwhelming and more approachable, especially for those new to managing money.
5. Simple, Focused UI: The app focuses on keeping things simple and ensuring your day-to-day finances are taken care of. No fancy graphs or complicated analytics—just clear balances showing how much is left to spend in each category.
Would a tool like this appeal to you? What features would make it more useful? Do you see any potential challenges with this approach?
I’m especially interested in hearing from those who:
• Struggle with overspending but still want to enjoy their money.
• Are trying to get out of debt but find existing tools too complicated or restrictive.
• Want a simpler way to track finances without feeling overwhelmed by details.
Any thoughts, suggestions, or feedback are greatly appreciated!
Thanks for reading, and I’m happy to answer any questions!
I'm looking for an app that would allow me to input my base salary and differential information, and then calculate a projected paycheck amount based on the shift times I work. I have a Google Spreadsheet but it's not good with state taxes, can't seem to get it quite right. TIA
Hi everyone!
I’m a solo founder passionate about making financial planning easy and accessible for everyone. I’ve recently launched fingarden.io, a financial planning app, and I’d love to get your feedback!
The app is free and helps you create personalized financial plans in just a few steps, without the stress or complexity of traditional tools.
Here’s a short video explaining the app’s main idea and features: https://www.youtube.com/watch?v=a03YAPp6KAU
I’d love to hear your thoughts on the app’s usability, features, or anything you feel could be improved.
Thanks so much for taking the time to check it out! Feel free to reach out if you have any questions or need help.
Hey everyone!
I'm currently building a personal finance app that makes saving money as fun as possible, with a focus on gamification. The alpha version has features like automatically creating a budget for you, and making streaks rewarding for coming in under budget everyday.
Right now, I'm looking for early users who'd be interested in trying out the app and providing feedback. If you've ever found saving money boring or struggled to stay consistent, I'd love for you to give it a try and let me know what works, what doesn't, and what could make it even better.
I'm open to all kinds of suggestions—even if it's just one small thing you'd like to see changed. Your input could really shape this app and help make saving something people actually look forward to!
If you're interested, here is the link: https://wealthplayapp.com/
PS: I'd love to hear any general thoughts on what makes saving money exciting for you, even if you don't have time to test the app. Every bit of insight helps.
Hey guys. I created a money forecast tool. I charge 14.95 a year to cover the expense of the vps but I'll give the first year for free to the first 50 users. Just email me and I'll activate the license. I created the app because I never knew how much money I had with all my bills and income. This will let you see how much extra money you have with recurring bills and allow you to know how much you can save a month or cut back on. Let me know what you think. I'm sure it will help. It's a web app so you can create a shortcut on your homescreen. cashflowcast.io
There are too many stores, with too many different annoying Loyalty Program sign ups, that end with you getting spammed by telemarketers. But at the same time, those very same shady and annoying Loyalty Programs are the single best way to save money everywhere you go. so i streamlined the process into an All-in-one site; we take your phone number, set up all of the various Grocery Gas and Retail loyalty accounts for you, block ALL spam, and you get to earn rewards hassle free.
Hopefully this doesn't break a rule, its entirely free and only to help save money. Ran by 3 college students, we tried it for a year before we launched, and saved around $3000. give it a try! we will be redesigning our site soon to be much more consumer friendly.
Grocery, Gas, Retail, Pharmacy, Convenience
Hey guys -
I recently built payoffgenius.com, a quick tool that helps set up a custom plan to pay off your debts as quickly as possible. It’s something I made for myself, and now I’m sharing it in case it helps anyone else.
It’s totally free—just something I threw together because I couldn’t find a tool that worked for me.
I’d love to hear what you think, good or bad. Any feedback would be awesome!
Thanks!
Hey all,
This is a Google Sheets budget tracker designed to simplify personal and family budgeting. Whether you’re tracking spending, saving more, or building wealth, it'll be easy to do so with this tool.
Key Features:
Free Version Available: Get started with essential tools, or upgrade later for advanced features if you need them.
Want to see it in action? Visit our community page or website (Free version available).
Screenshot of the budget dashboard:
I'm the owner. Let me know if you'd like to learn more.
A few years ago I started invested in a globally diversified passive ETF portfolio as my primary means of savings. Since there are many ETFs from many providers to choose from, and each are more or less exposed to different sectors and regions, I ended up making an pivot table in Excel to find what combination of ETFs was sufficiently well diversified, e.g. not too concentrated in the US, and with good exposure to emerging markets. Since then I've periodically rebalanced the portfolio and had to go through the same exercise again all of which felt quite cumbersome.
I wasn't able to find a tool that simplified this process, so I built one: https://buildetf.com.
To use it, you select some ETFs from the list to put in the portfolio, experiment with the % weight of each ETF, and observe the effect on the overall portfolio country / region / sector diversification. For the moment it contains data from Vanguard US and Europe, and BlackRock iShares US and Europe.
I'd be interested if anybody knows of other such tools or has any feedback on mine.
I'm running into an issue where if I don't continually log/copy over my transactions, I'll get too lazy and my budget be out of date.
More info: I have a gsheets budget with a transactions list for each month, where I go through my various spending mediums (bank account, credit card, venmo, etc) and add them to the list.
It's tedious going back and forth between each tab and manually inputting info. If I forget or I'm too lazy, my budget will have a backlog of transactions I need to copy over, and it won't be accurate anymore.
Has anyone else experienced this and/or have a solutions?
Hey everyone,
I'm excited to share a personal project of mine—BearSavings.com, a comprehensive personal finance website that I've been working on. It started as a simple savings tracker, but it has now evolved into a full suite of tools and resources to help you manage your finances better.
Whether you're just starting your financial journey or looking to optimize your current strategy, BearSavings has something for everyone. I’d love for you to check it out and share your feedback. If you find it useful, I’d greatly appreciate your support by spreading the word!
Looking forward to hearing what you think!"
Hello everyone,
I’m thrilled to announce the launch of PopaDex, a new tool designed to help you track your net worth and work towards financial independence.
Why PopaDex?
After numerous conversations with friends and family, I realised many of us rely on cumbersome spreadsheets to monitor our finances. Most of us don't particularly enjoy this method, and existing tools either focus on the minutiae of budgeting or, worse, monetise our data by selling it to third parties.
Key Features of PopaDex:
Comprehensive Net Worth Tracking: Automatically integrate all your financial assets – savings, investments, properties – into one clear and concise view.
Privacy-Focused: Your data remains secure, encrypted and private. We do not sell your information, and the only personally identifiable information we keep is your email, which we recommend you mask. All account integrations are time-bound, read-only, use secure open-banking protocols, require your consent, and don't need your account login details for access.
International Support: Multi-currency and multilingual support to cater to a global audience. The app can connect to 15,000 institutions in over 30 countries.
User-Centric Design: Built from the ground up, completely bootstrapped, ensuring our focus remains on delivering genuine value to our users and that we're not incentivised to pursue business models that are not aligned with our users.
Get Involved
We already have a couple of dozen users and are looking to grow our community to get valuable feedback. What features would you like to see? Have you faced challenges with existing financial tools? How important is data privacy to you?
Please check out PopaDex and share your thoughts. Your insights will help us refine and improve the platform.
Thank you if you've read this far :)
I realized in August 2023 that I need to have some tool which will help me to aggregate all my portfolios from all brokerages in one place and predict my dividend income.
For these needs I launched Plainzer in September 2023 and now we have reached 2k users!
If helpful for anyone using the zero based budget, there is a free interactive tool on InvestingTE. It lets you know when debts will be paid off and future net worth as well.
I don't "budget" as I'm paycheck-to-paycheck, and my income varies check by check. The dates are clockwork (1st and 16th) but the amount varies. So every paycheck I just make a list of expenses, prioritize them, and pay what I can. Any debts leftover get stacked up for the next paydate.
Currently I do this by hand on blank paper. I'd *really* like to go digital, but every app I look at is built for *monthly* planning with a known income.
Any app suggestions for budgeting/tracking per paydates, rather than months?
Free is best. One time purchase is good. Online or off is fine.
Thanks all!
👋 Hey everyone! We couldn't find an easy way to manage, secure and share financial info required when applying for loans, apartments and working with financial professionals. It's so painful to gather the latest bank, income, investment, tax and ID records and send via multiple companies, portals and methods. Not only that but today, you have little control over your data, what is sent when and to whom. Fast-forward several hundred espressos and close to a year of work, and let me introduce YourOwn Wallet!
✅ The wallet is free to setup, manage and share your financial info with trusted 3rd parties. Never again miss out on that dream apartment because you're fumbling around for paystubs and bank statements, Never have to send your data over and over to different banks / lenders to get the best rate. And never worry when your financial / tax professional asks you for your latest statements.
It has a pretty robust set of features in its first version:
🥇 𝗙𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝗣𝗿𝗼𝗳𝗶𝗹𝗲: Manage data from 12K+ institutions, including income providers, banks, investment accounts, and tax documents. Track net-worth, total cash and investments.
🤝 𝗜𝗻𝘀𝘁𝗮𝗻𝘁 𝗦𝗵𝗮𝗿𝗶𝗻𝗴: Effortlessly share financial info for renting a place, buying a home, or building wealth. Track your share history.
🔐 𝗠𝗶𝗹𝗶𝘁𝗮𝗿𝘆-𝗚𝗿𝗮𝗱𝗲 𝗘𝗻𝗰𝗿𝘆𝗽𝘁𝗶𝗼𝗻: The data is yours, protected by cutting-edge encryption technology using your personal seed phrase.
💯% 𝗖𝗼𝗻𝘀𝗲𝗻𝘁: Control what data is shared and with whom, ensuring your privacy is always respected.
✅ 𝗖𝗼𝗺𝗽𝗹𝗶𝗮𝗻𝘁: Meets standards for banks, lenders, and income verification.
If you check it out, I'd love to hear if you have any feedback, suggestions, or new feature ideas! Right now, it's available in the US as a web app, and very soon, it'll be on Android and iOS too!
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?