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.

GGRPC

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 Google Sheets Budget tracker is designed for people who want to take control of their finances with minimal effort, need a long-term solution to track spending, income and net worth.

Extra focus on ease of use

Set a budget for each category based on your available funds for the month. Once your budget is set, simply log expenses and income as they come in. Tracking daily transactions takes about a minute each day. The tracker supports up to 30 custom categories and allows you to archive any you no longer need.

Easy categorization with 3 tabs for expense entry and income

• Payments for recurring expenses and incomes, such as subscriptions, bills, or salaries, are automated. They update each month and are displayed in the dashboard, automatically added to the relevant spending categories.
• Significant one-time expenses or income, such as flights, big purchases, or lump sum payments, are tracked separately for better organization and review.
• The Variable Spending Tab lets you log irregular expenses throughout the month. You can enter either daily totals or a monthly sum for these expenses, giving you flexibility in tracking.

Long-term tracking that keeps history of all payments and income

• The tracker keeps a complete history of all transactions in one place, without needing a separate tab for each month. This setup allows you to maintain 5+ years of financial data at your fingertips, with sorting and filtering options for both recurring and one-time expenses.
• The data is owned entirely by the you and stored in one place, rather than relying on a third-party app. This way, it can always be maintained personally.

Financial insights

• The Net Worth Tracker provides an updated total of your assets each month, featuring an automated dashboard with monthly changes and visual graphs for easy tracking.
• Meaningful reports display whether income is lower than spending, and break down what money is being spent on.

We’ve kept manual entry on purpose so users stay aware of their spending. By tracking non-recurring expenses manually, it forces users to be more mindful of where their money’s going. This makes the tracker ideal for those who want more control without losing track of their habits.

That’s it! It’s a minimalistic approach that does the job in the areas mentioned above. This tracker is for people who want to start budgeting but find tracking every single transaction and bank account too tedious.

Screenshot of the budget dashboard:

https://preview.redd.it/q6il0la0nhxd1.png?width=2700&format=png&auto=webp&s=2184cd1b1167ad844ffb286928024a02ae8a39e9

Curious about the tracker, check out our community page: AwesomeBudgeting

Website: www.simplifybudget.com (updated)

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.

What you'll find on BearSavings.com:

• Savings Tracker: Easily monitor your savings progress.
• Mortgage Recast Calculator: Find out how much you can save by recasting your mortgage.
• Financial Freedom Calculator: Project when you can retire or achieve FIRE (Financial Independence, Retire Early).
• Personal Finance Blog: Practical tips, strategies, and case studies on money management and savings.
• Many coming soon!

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:

1. Comprehensive Net Worth Tracking: Automatically integrate all your financial assets – savings, investments, properties – into one clear and concise view.

2. 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.

3. 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.

4. 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!

https://plainzer.com

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!

https://preview.redd.it/75rj7aekyn0d1.png?width=842&format=png&auto=webp&s=5fde9061f482960bf8ccb2fae0df1a7751137213

✅ 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?

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

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!