The real problem: T","url":"https://news.ycombinator.com/item?id=47126653","role":"demand","weight":0.68516797,"occurredAt":"2026-02-23T18:36:05.000Z","sourceKey":"hackernews","sourceName":"Hacker News","credibility":0.7,"venue":"news","intent":"tool_discovery","painScore":0.12,"sentiment":0,"confidence":0.6117571,"matchedPatterns":["looking_for"],"statement":"If you’re an Excel refugee looking for a better way to track cash flow with a partner, I’d love your feedback.","title":"Show HN: I built a tool track cash flow without the \"spreadsheet stress\"","body":"I’m a financial analyst, and for years I managed our family budget in a massive Excel sheet. I loved the control, but it eventually became an "unpaid second job" of fixing broken CSV formats and patching formulas.
The real problem: The spreadsheet was a barrier, not a bridge. It didn’t help me have better money conversations at home. Telling my wife “Dining is high” wasn't helpful; we needed to see where we were overspending (e.g., that one specific cafe vs. grocery runs) without me having to act as a "human pivot table" every Sunday night.
I didn't want an app that required our bank passwords, but I needed more automation than a manual sheet. I built OpBoard to bridge that gap.
How it changes the conversation:
Shared Visibility: Instead of navigating a complex file on my monitor, my wife can log in and see a clear, merchant-level breakdown of our cash flow instantly.
Intentional Review: We still do the CSV import—it's a deliberate "touchpoint" with our data that keeps us aware of our spending without the friction of manual entry.
Automatic Normalization: It handles the "CSV surgery" (Date formats, +/- signs) across different banks automatically, so the data is always clean.
Auto-Tagging Engine: You teach the app your own keyword rules (e.g., "Starbucks" = Food). It also uses AI to suggest rules for recurring merchants based on your history.
Duplicate Protection: It automatically skips transactions already in the system, so you don't have to be paranoid about the date ranges of your bank exports.
It’s currently in beta and has finally turned our budgeting from a technical chore into a productive family discussion. If you’re an "Excel refugee" looking for a better way to track cash flow with a partner, I’d love your feedback.
I’m especially looking for thoughts on:
What specific views or charts would help you and a partner make better spending decisions?
Are there any bank CSV formats that my normalization logic fails to handle?","offTopic":false},{"id":"dc6596a3-7916-44a1-bf81-42b32296ded9","excerpt":"I built Assetli because I wanted one place for my entire financial life — I was frustrated with having my finances scattered across banking apps, investment platforms, spreadsheets and notes.\n\nSo I built **Assetli** — a personal finance app that brings the whole picture together: bank accounts, spending, budgets, subsc","url":"https://www.reddit.com/r/startups_promotion/comments/1vugwvd/i_built_assetli_because_i_wanted_one_place_for_my/","role":"pain","weight":1.0450063,"occurredAt":"2026-08-21T13:49:10.000Z","sourceKey":"reddit","sourceName":"Reddit","credibility":0.62,"venue":"startups_promotion","intent":"problem_report","painScore":0.81333333,"sentiment":-0.8333333,"confidence":0.57629025,"matchedPatterns":["frustrating"],"statement":"I was frustrated with having my finances scattered across banking apps, investment platforms, spreadsheets and notes.","title":"I built Assetli because I wanted one place for my entire financial life","body":"I was frustrated with having my finances scattered across banking apps, investment platforms, spreadsheets and notes.\n\nSo I built **Assetli** — a personal finance app that brings the whole picture together: bank accounts, spending, budgets, subscriptions, investments, crypto, real estate, vehicles, mortgages, loans and net worth.\n\nThe part that makes it different is the AI layer. \nAssetli can categorize transactions, analyze your finances and answer questions about your money. You can also connect your own Claude, ChatGPT or Gemini through MCP, so the AI can work with your actual Assetli financial data instead of giving generic financial advice.\n\nFor example, you can ask: \n“How am I doing financially this month?” \n“Where am I spending more than usual?” \n“Am I on track for my savings goal?” \n“Add $500 to my savings account.”\n\nThere are also built-in tools for things like FIRE planning, mortgages, debt payoff, investments and vehicle costs. \nI’m a solo developer and I use Assetli for my own finances every day. It’s still a young product, so I’m particularly interested in feedback from people who already use personal finance tools: \n**What is the one thing your current finance app still doesn’t do well?**\n\nAssetli is free to start and doesn’t require a credit card.\n\n[https://assetli.app](https://assetli.app/)","offTopic":true},{"id":"e01afe3d-5d38-43f6-8f9f-1c53a1dce7f0","excerpt":"Budget Apps from Sunday June 29th — Here are some apps shared by devs on the reddit page: \r\n\r\n\r\nHi Everyone, \r\nI'm the founder of FloosYo. \r\nI built this because most budgeting apps show you the damage after the money is already gone. \r\n - You spent this much. \r\n - You went over budget here. \r\n - Try better next ","url":"https://lemmy.world/post/48798705","role":"request","weight":0.70215476,"occurredAt":"2026-06-29T14:54:51.072Z","sourceKey":"lemmy","sourceName":"Lemmy","credibility":0.58,"venue":"lemmy.world","intent":"feature_request","painScore":0.36,"sentiment":0.4883721,"confidence":0.51629025,"matchedPatterns":["missing_feature","solution:tool"],"statement":"Website --- Hello r/YNABAlternatives, I’ve been deep into personal finance for over a decade, and during that time I’ve tried pretty much every tool I could get my hands on: - Excel - Quicken - Mint - Spendee Google Sheets + Power BI among…","title":"Budget Apps from Sunday June 29th","body":"Here are some apps shared by devs on the reddit page: \r\n\r\n\r\nHi Everyone, \r\nI'm the founder of FloosYo. \r\nI built this because most budgeting apps show you the damage after the money is already gone. \r\n - You spent this much. \r\n - You went over budget here. \r\n - Try better next month. \r\nI wanted something more forward-looking. \r\nFloosYo helps you spot the recurring things that keep costing you money, see what they become over time, and decide what to keep, skip, or cancel before they charge again. \r\nThe main thing I wanted to fix was the manual work. \r\nInstead of filling out forms, you can type or say something like: \r\n“Netflix 8.99” \r\nAnd the app tries to figure out the amount, category, brand, icon, and frequency automatically. \r\nIt is not trying to replace YNAB for people who love detailed zero-based budgeting. \r\nIt is for people who want something lighter. \r\n\r\nA simple way to see: \r\n - What is leaking money every month? \r\n - What does it cost me per year? \r\n - What can I stop before it drains my month? \r\n - No bank linking. Just fast entry, recurring expenses, subscriptions, bills, reminders, and forward-looking totals. \r\nI just launched it and would genuinely appreciate feedback from people who tried YNAB or other budget apps. \r\n[Website](https://floosyo.com/en ) \r\n\r\n--- \r\n\r\n\r\nFull disclosure: I built Walletly (iOS) — a manual-only expense tracker with no bank linking, no account, no cloud. \r\nThe pitch is simple: automatic tracking records your spending. Manual tracking changes it. 3 seconds per entry, your data never leaves your iPhone. \r\nNo envelope system, no zero-based budgeting setup. Just you and a running total of where your money went. \r\n366 installs. 2 paying users. MRR $12.15. All organic from Reddit — $0 on ads. \r\nLaunching on Product Hunt this Tuesday if you want to follow along. \r\n[Website](https://apps.apple.com/us/app/budget-money-tracker-walletly/id6751759815) \r\n\r\n--- \r\n\r\n\r\n\r\nIf you love the idea of zero-based budgeting (like YNAB) but are completely burnt out by micro-managing past transactions, I get it. My wife and I loved the strategy but hated the chore of retroactive tracking—it felt too complex for her to want to manage and left me feeling like a full-time accountant. To solve this, we built Liquify (getliquify.com), a \"Plan-First\" budget app designed to turn envelope budgeting into a forward-looking strategy instead of a historical ledger. \r\n\r\nWe model everything around the \"Box Method,\" a system my wife and I used in our real bank accounts. Before the month begins, you split your income into digital Plan Boxes (Rent, Savings, Travel, Dining Out). If a box is in the green, you have absolute permission to spend it completely guilt-free because that money was already set aside for that exact purpose. It balances your life so you can order takeout or travel today while still hitting your big goals, and it includes real-time budget sharing for couples, zero-account setup for privacy, and upcoming bank sync (US/EU/Brazil) to match your real-world balances to your plan. \r\n\r\nLiquify is built for people who want the power of envelope budgeting without the second-job aspect of tracking every single previous expense. It is live on iOS and Google Play, and since we are fully focused on this new philosophy, we'd love to know: does this \"Box Method\" match how you naturally want to think about your money, and what could we improve to make managing a budget with a partner even smoother? \r\n\r\n[Website](https://getliquify.com/) \r\n\r\n--- \r\n\r\n\r\n\r\n\r\nHello r/YNABAlternatives, \r\n\r\nI’ve been deep into personal finance for over a decade, and during that time I’ve tried pretty much every tool I could get my hands on: \r\n\r\n - Excel \r\n - Quicken \r\n - Mint \r\n - Spendee \r\n\r\nGoogle Sheets + Power BI among other tools \r\nEvery tool had strengths, but each one eventually hit a wall for me, missing features, rigid workflows, or limitations that didn’t match how I actually manage money. \r\nOne of the biggest pain points: \r\n\r\n - Most apps I tried were heavily US‑centric, and almost none handled multi‑currency properly. \r\n - Spreadsheets could do it, but only with messy formulas and constant manual adjustments. It worked… until it didn’t. \r\n\r\nBy March 2026, after years of wishing these tools worked the way I needed, I finally decided to build my own. \r\nThat turned into Orbit Money, which now has 15+ active users who use it daily and genuinely enjoy it. It supports multi‑currency accounts, global workflows, and the kind of flexibility I always wanted but never found. If you want to take a look: orbitmoney.co \r\n\r\nBut here’s the real reason I’m sharing this here: \r\n - I want the users to shape this app. \r\n - Not in a corporate “submit feedback” way, but in a real, practical way where your budgeting style, your workflow, and your pain points directly influence what gets built next. \r\n - If there’s a feature you rely on, a report you wish existed, or a budgeting approach you want supported, I’m open to adding it, even if it’s super specific to how you manage money. \r\n - I’m looking for people who will sign up, use it, push it, break it, and tell me what matters. The goal is to build a tool that adapts to you instead of forcing you into someone else’s system. \r\n\r\nIf you’re exploring alternatives or just want a personal finance app that evolves based on real user needs, I’d love your thoughts. \r\n\r\n[Website](https://orbitmoney.co/) \r\n","offTopic":true},{"id":"0e5ef064-d45d-47e4-8d54-85d4723d52c9","excerpt":"I built an investment portfolio tool that shows if you're actually beating the market, not just what your return is — I've always wanted to know one thing about my own investing: are my stock picks and allocation decisions actually worth the time and risk, or would I have done just as well putting the same money into a","url":"https://www.reddit.com/r/SideProject/comments/1vu89mm/i_built_an_investment_portfolio_tool_that_shows/","role":"pain","weight":1.0090809,"occurredAt":"2026-08-21T06:23:19.000Z","sourceKey":"reddit","sourceName":"Reddit","credibility":0.62,"venue":"SideProject","intent":"feature_request","painScore":0.6933333,"sentiment":-0.8333333,"confidence":0.5959139,"matchedPatterns":["missing_feature"],"statement":"There's a demo account so you can walk around the app without committing to sign up: Finawaken Portfolio \"Try the demo\" in the main page Would appreciate feedback on: does the benchmark comparison make sense on first look, what feels missi…","title":"I built an investment portfolio tool that shows if you're actually beating the market, not just what your return is","body":"I've always wanted to know one thing about my own investing: are my stock picks and allocation decisions actually worth the time and risk, or would I have done just as well putting the same money into an index fund and ignoring it?\n\nBroker apps show you a return percentage, but that number alone can't answer the question. Most existing comparisons use a raw index, ignoring currency conversion and dividends, and mirror trades instead of your actual cash flow timing.\n\nSo Finawaken Portfolio replays your actual deposits and withdrawals into a simulated accumulation ETF (FX and dividends accounted for) and compares your real Money-Weighted Return against it, properly adjusted, to answer whether you'd have done better doing nothing.\n\nThe other piece I always wanted for myself was Look-Through: seeing my true exposure by expanding every ETF I hold into its underlying constituents, rather than treating overlapping funds as separate blobs.\n\nIt's grown into a full dashboard from there:\n\nAllocation breakdown by sector, region and country\n\nDividend tracking with full drill-down history\n\nTop/bottom performers\n\nMulti-broker and multi-account support (GIA, ISA, SIPP etc.)\n\nCSV import (Trading 212 now, manual entry for any broker)\n\nA performance heatmap showing daily/weekly/monthly performance vs your benchmark, calendar-style\n\nA snapshot view to see exactly what you held on any past date\n\nData and comparison tool, not financial advice. No broker login, CSV only. No ads or tracking.\n\nThere's a demo account so you can walk around the app without committing to sign up: [Finawaken Portfolio](https://portfolio.finawaken.com/) \"Try the demo\" in the main page\n\nWould appreciate feedback on: does the benchmark comparison make sense on first look, what feels missing, and what you actually liked. Thanks.","offTopic":true},{"id":"ffd8b192-18cb-4969-a3d1-92843686aab0","excerpt":" — I faced an unexpected fund shortage 3 months ago and had no idea what my net worth was. So I built a tool to solve it (for free).
Hey HY
Three months ago, I hit a low point. I needed to move some funds for an emergency and realised I had no idea where I actually stood.
My stocks were in Groww, my mutual funds ","url":"https://news.ycombinator.com/item?id=47230898","role":"demand","weight":0.6738667,"occurredAt":"2026-03-03T11:24:02.000Z","sourceKey":"hackernews","sourceName":"Hacker News","credibility":0.7,"venue":"news","intent":"tool_discovery","painScore":0.12,"sentiment":0.33333334,"confidence":0.6016667,"matchedPatterns":["looking_for"],"statement":"Since most of our spending happens via UPI, I was looking for a way to simplify it.","title":null,"body":"I faced an unexpected fund shortage 3 months ago and had no idea what my net worth was. So I built a tool to solve it (for free).
Hey HY
Three months ago, I hit a low point. I needed to move some funds for an emergency and realised I had no idea where I actually stood.
My stocks were in Groww, my mutual funds in ICICI, I had physical gold in a locker, and I was juggling active loans. Every time I wanted an answer, I had to open four different apps and a physical diary.
I started tracking everything in an Excel sheet, but it was tedious. My wife also wanted to track our family finances, and I wanted to sharpen my AI knowledge. So, I decided to turn this into a weekend project.
The "3-Week" Evolution\nIt started simple:
First Draft: Connected a real-time stock and MF tracker. It worked!\nGold & Net Worth: Added a gold tracker and a dashboard to calculate my total net worth to the rupee.\nCollaboration: I added "Team Access" (Crew feature) so my wife and I could both view and update our shared corpus. My friends saw it, loved it, and started using it too.\nBy week 3, it was a solid tool, but there was one massive pain point: Manual Entry.
The "Share Receipt" Spark\nEverything worked well, but logging every expense was still a manual entry drag. Since most of our spending happens via UPI, I was looking for a way to simplify it.
A friend suggested: "All these UPI apps have a 'Share' button after you pay. Just use that!"
That hit a spark. I created a UPI tracker where, after every transaction, I just share the receipt to my project's dedicated email. The system automatically reads it and enters the value for me. No more manual entry!
AI Helper & MCP Connector\nSince I wanted to use this to learn more about AI, I didn't stop at simple tracking.
MCP Connector: I've added a Model Context Protocol (MCP) connector. This means you can actually connect your financial data context to Claude or ChatGPT. You can ask your favourite LLM: "Based on my Corpus Tracker data, can I afford to buy a new car this year?"\nIn-App Assistant: I’ve built a financial helper directly into the app chat. It helps you categorize, analyze, and process everything in natural language.\n What’s Inside?\nUnified Dashboard: Stocks (Groww-style), MFs, Gold, and Cash.\nLoan Manager: Track principal vs interest for EMIs.\nShare-to-Track: Forward UPI receipts via email/share for auto-logging.\nCrew/Family Access: Manage a shared corpus with your partner.\nAI Financial Helper: Chat with your data.\nMCP Enabled: Use your data context in Claude/ChatGPT.\n It's 100% Free\nI’m launching this for free to everyone. No hidden charges, no "premium" tiers for AI features—everything is open and available. I built this to solve my own problem, and I’m happy to share it with the community.
[Link to your app]
Feel free to ask me anything about the tech, the UPI parsing, or the AI integration. I'm actively looking for feedback to make it better!
P.S. — Special thanks to my wife for being the first alpha tester and to the friend who suggested the share button!","offTopic":false},{"id":"9c55207d-b36f-44fa-9fdc-a83cbdf760b2","excerpt":"Built eventMate — an iOS app combining guest lists, expense splitting & shared photos for one event. Looking for honest feedback — Hey r/SideProject,\n\n \nI've been building eventMate, an iOS app for planning group events (parties, trips, weddings, dinners) end-to-end: guest list + RSVP tracking, splitting expenses betw","url":"https://www.reddit.com/r/SideProject/comments/1vvqytr/built_eventmate_an_ios_app_combining_guest_lists/","role":"pain","weight":0.94943535,"occurredAt":"2026-08-22T23:16:53.000Z","sourceKey":"reddit","sourceName":"Reddit","credibility":0.62,"venue":"SideProject","intent":"feature_request","painScore":0.5,"sentiment":-0.5,"confidence":0.6329569,"matchedPatterns":["free_tier","missing_feature"],"statement":"I'd really appreciate honest, even harsh feedback — what's missing, what feels unnecessary, what would make you actually keep it instead of deleting it after one event.","title":"Built eventMate — an iOS app combining guest lists, expense splitting & shared photos for one event. Looking for honest feedback","body":"Hey r/SideProject,\n\n \nI've been building eventMate, an iOS app for planning group events (parties, trips, weddings, dinners) end-to-end: guest list + RSVP tracking, splitting expenses between everyone who's coming, a shared photo album for the event, QR check-in at the door, and a couple of collaborative extras (bring-list, date polls).\n\n \nThe idea started because I kept juggling a separate RSVP tool, a separate Splitwise-style app, and a separate shared album for the same event. Free tier covers up to 10 guests per event; there's an optional Premium/Lifetime unlock for unlimited events. It's localized in English, Spanish, German, French and Chinese.\n\n \nI'd really appreciate honest, even harsh feedback — what's missing, what feels unnecessary, what would make you actually keep it instead of deleting it after one event. Not fishing for praise.\n\n \nApp Store: [https://apps.apple.com/app/id6478854193](https://apps.apple.com/app/id6478854193)\n\n \nHappy to answer anything about how it works.","offTopic":true},{"id":"d7b7e2b5-459d-43f6-854c-b67307d199c6","excerpt":"I'm a student who couldn't afford $15/mo for a budgeting app — so I built a free one with AI — Hey r/mintuit —\n\nWhen I started college and actually had to manage my own money for the first time, I went looking for a budgeting app. Every good option was $15/mo. As a broke college student who feels backwards, why am I pa","url":"https://www.reddit.com/r/mintuit/comments/1sezcih/im_a_student_who_couldnt_afford_15mo_for_a/","role":"demand","weight":0.939968,"occurredAt":"2026-04-07T15:32:17.000Z","sourceKey":"reddit","sourceName":"Reddit","credibility":0.62,"venue":"mintuit","intent":"tool_discovery","painScore":0.24,"sentiment":0.5,"confidence":0.7580387,"matchedPatterns":["looking_for","paying_monthly"],"statement":"As a broke college student who feels backwards, why am I paying $180/year just to track money I barely have?","title":"I'm a student who couldn't afford $15/mo for a budgeting app — so I built a free one with AI","body":"Hey r/mintuit —\n\nWhen I started college and actually had to manage my own money for the first time, I went looking for a budgeting app. Every good option was $15/mo. As a broke college student who feels backwards, why am I paying $180/year just to track money I barely have?\n\nSo I decided to build Fintor instead. Here's what it does:\n\n* An AI financial advisor, you can ask anything, 24/7\n* Personalized 7-section financial plan built around your actual numbers\n* Portfolio & market tracking\n* Daily streak system to keep you consistent\n* Fully bilingual — English and Spanish (first app I've found that actually does this well)\n\nWe're in early beta, heading to TestFlight soon. If you want early access, the waitlist is at [**getfintor.com**](http://getfintor.com)\n\nHappy to answer questions — and genuinely curious what features you miss most from Mint since you all know that gap better than anyone.","offTopic":false},{"id":"8a3df706-1e08-4453-b7f2-b8cc4a4c6a94","excerpt":"I built a complete offline Wedding Planning app. Seeking honest feedback! — Hi [r/budgetweddings](https://www.reddit.com/r/budgetweddings/)!👋\n\nI’ve seen so many people get completely overwhelmed by the chaos of wedding planning—juggling endless spreadsheets for budgets, losing notes for guest lists, and forgetting when","url":"https://www.reddit.com/r/budgetweddings/comments/1vvmm7j/i_built_a_complete_offline_wedding_planning_app/","role":"pain","weight":0.85290956,"occurredAt":"2026-08-22T20:11:46.000Z","sourceKey":"reddit","sourceName":"Reddit","credibility":0.62,"venue":"budgetweddings","intent":"problem_report","painScore":0.48,"sentiment":0.5555556,"confidence":0.57629025,"matchedPatterns":["frustrating"],"statement":"**What is the most annoying part of your current planning method (spreadsheets, notebooks, etc.)?** 2.","title":"I built a complete offline Wedding Planning app. Seeking honest feedback!","body":"Hi [r/budgetweddings](https://www.reddit.com/r/budgetweddings/)!👋\n\nI’ve seen so many people get completely overwhelmed by the chaos of wedding planning—juggling endless spreadsheets for budgets, losing notes for guest lists, and forgetting when specific deposits or important dates are coming up.\n\nI’m an app developer, so I decided to build a comprehensive tool to put everything in one single hub. It's called [Wedding Assistant: Planner App](https://apps.apple.com/app/id6783088071).\n\nBefore going any further, I want to mention a feature I'm really proud of: **It is 100% offline and privacy-first.** No cloud servers, no forced account creation, and no internet required. Your data stays entirely on your phone.\n\nI’m sharing it here because I’d love to get some honest, brutal feedback from people who are actually in the thick of planning right now.\n\n**Here is what it currently handles:**\n\n* 📊 **Budget & Expenses:** Categorizes all expenses, tracks what’s paid vs. remaining balance with real-time charts, and reminds you of due dates.\n* 🤝 **Vendor Proposals:** Keep track of price quotes from venues, photographers, and other vendors. Easily compare packages in one place to make the best decisions for your budget.\n* 👥 **Guest List & RSVPs:** Tracks who is coming and RSVP statuses. I also added a \"Smart Duplicate Check\" so you don't accidentally add the same guest twice!\n* 🪑 **Seating Planner:** Assign your guests to tables and easily plan who sits with whom. You can track table occupancy and export your final seating arrangement as a PDF to share with your venue coordinator.\n* ✅ **Checklists:** Pre-made, comprehensive to-do templates that you can add to your list with a single tap.\n* ⏱️ **Wedding Day Timeline:** Create a minute-by-minute itinerary for your big day! From hair appointments to the first dance, ensure everything runs perfectly on schedule.\n* 🎁 **Gift Tracker:** Logs who gave what and tracks reciprocity.\n* 🗓️ **Special Days & Events:** You don't have to memorize dates! Log your first date anniversary, proposal day, or partner's birthday. You can also create separate plans for specific events.\n* 🔔 **Smart Reminders:** Automatic notifications for all your payment due dates, tasks, and special days so you never miss a detail.\n\nSince my goal is to make this the ultimate tool for stress-free planning, I’d love to ask you all:\n\n1. **What is the most annoying part of your current planning method (spreadsheets, notebooks, etc.)?**\n2. **Is there a \"must-have\" feature that you think I completely missed?**\n\nIf you want to try it out, you can find it on the iOS App Store by searching **\"**[Wedding Assistant: Planner App](https://apps.apple.com/app/id6783088071)**\"** \n\n*I've attached some screenshots of the dashboard and features.* I’ll be hanging around the comments to answer any questions or note down your feature requests. Thank you so much in advance! 🤍","offTopic":true},{"id":"1094ee9f-a162-46ed-91da-b9acfe8158cc","excerpt":"Looking for beta testers for Ridge — AI-powered personal finance app that learns your habits (Italian bank sync, lifetime access for participants) — Hey everyone,\n\nI'm writing this post to share something I built for myself, but that I think solves a pretty common pain.\n\nI don't know about you, but I started tracking e","url":"https://www.reddit.com/r/alphaandbetausers/comments/1t9hziw/looking_for_beta_testers_for_ridge_aipowered/","role":"request","weight":0.8104429,"occurredAt":"2026-05-10T20:27:50.000Z","sourceKey":"reddit","sourceName":"Reddit","credibility":0.62,"venue":"alphaandbetausers","intent":"feature_request","painScore":0.36,"sentiment":0.4,"confidence":0.5959139,"matchedPatterns":["missing_feature"],"statement":"You can run analyses like: * *\"How much did I spend on restaurants this month vs last month?\"* * *\"Which recurring expenses are missing this month?\"* * *\"How did my portfolio do last quarter?\"* It doesn't respond with generic advice — it r…","title":"Looking for beta testers for Ridge — AI-powered personal finance app that learns your habits (Italian bank sync, lifetime access for participants)","body":"Hey everyone,\n\nI'm writing this post to share something I built for myself, but that I think solves a pretty common pain.\n\nI don't know about you, but I started tracking expenses, budgets and projections back in university — with more or less well-built Excel sheets I'd update periodically. Then I got tired of it, and my visibility into my own financial situation went out the window.\n\nThat's why I built Ridge: I wanted one single place to see accounts, transactions, budget and portfolio — with coverage for Italian banks — without having to maintain a spreadsheet every week.\n\nGreat, but why this post?\n\nSimply put, I want to find out if this is useful to just me or to other people too. So I'm looking for beta testers. I started with my personal circle — there are about ten users on the platform right now — but I figured I needed to go beyond that to get feedback with less bias.\n\n**Ok, but why should you care about Ridge over other personal finance apps?**\n\nMost apps I've tried are passive dashboards: they show you charts, then leave the interpretation to you. Ridge is different — it's a proactive AI assistant built on your actual numbers, that learns who you are over time.\n\n**1. Memory** \nRidge remembers what you tell it. If you explain in a chat that you're trying to save 20% of your salary, that you have a recurring investment in an MSCI World ETF, or that a certain expense is one-off and shouldn't count toward your budget — you won't need to explain it again next time. It already knows. And soon it'll be able to set those things up in the app on your behalf.\n\nYou can also ask it directly: *\"What do you remember about me?\"* to see what it has stored about your financial profile.\n\n**2. Chat with your money (\"Ask Ridge\")** \nA chat connected to your platform data: transactions, budget, reports and portfolio. You can run analyses like:\n\n* *\"How much did I spend on restaurants this month vs last month?\"*\n* *\"Which recurring expenses are missing this month?\"*\n* *\"How did my portfolio do last quarter?\"*\n\nIt doesn't respond with generic advice — it responds with your numbers, and with the context it has built up about you over time. The most useful question I ask it is: \n*\"Can I afford X?\"* — Ridge answers by analyzing how my actual spending compares to budget and what the coming months look like based on tracked recurring and planned income and expenses.\n\n**3. Daily nudge** \nEvery morning at 8:00 Ridge analyzes my situation and sends a concise observation via email — an anomaly, a trend, something I might have missed. One insight about my specific profile, not spam, and unsubscribable at any time.\n\n**The rest of the features:**\n\n🏦 **Bank sync** via GoCardless — major Italian banks supported. Transactions sync automatically every morning. \n📊 **Dashboard** with net worth, Sankey chart for income/expenses, and charts by category, account and tag. \n📈 **Portfolio** with real-time quotes and full trade history. \n📋 **Budget** — plan income and expenses by category on a monthly basis. Ridge tracks recurring transactions (rent, salary, subscriptions) and alerts you if one that was expected hasn't shown up yet. You can also add one-off planned transactions — a bonus, an extraordinary expense — and see them integrated into the plan. \n📊 **Reports** — monthly income statement, balance sheet, net worth over time.\n\n**A note on security and data**\n\nI know this question comes up naturally with this kind of app — you're sharing sensitive financial data. A few things worth making explicit:\n\n* **I never see your bank credentials.** Bank sync goes entirely through GoCardless (Nordigen), a regulated European provider authorized as an AISP. Ridge only receives your transactions and balances — your credentials never touch my servers.\n* **Data is hosted in Europe** on EU infrastructure.\n* **GDPR:** you can export all your data at any time, and delete your account with full removal of all associated data. No residual data.\n* **Secure sessions** with httpOnly cookies and server-side encryption.\n\n**So why should you join the beta?**\n\nSimply put, here's what I can offer:\n\n* Completely free access during the beta\n* **Lifetime access** if and when the product becomes paid — anyone testing now will never pay\n\nIf you're interested, sign up for the waitlist directly from the landing page, or drop a comment or DM me — all good ways to get an access code.\n\n**Ridge —** [**ridgemoney.xyz**](http://ridgemoney.xyz)","offTopic":true},{"id":"a2f3bf81-7da2-44f2-8973-d2255561df6e","excerpt":"Looking for honest feedback on my new budgeting app (Android) — Hi everyone,\n\nI've recently built my first Android budgeting app called ClearWeek and I'm looking for honest feedback from people who regularly budget or are trying to get better with money.\n\nThe idea is simple: instead of just showing your monthly budget,","url":"https://www.reddit.com/r/FreeAppReviews/comments/1v2vvq8/looking_for_honest_feedback_on_my_new_budgeting/","role":"request","weight":0.78375477,"occurredAt":"2026-07-21T21:28:21.000Z","sourceKey":"reddit","sourceName":"Reddit","credibility":0.62,"venue":"FreeAppReviews","intent":"feature_request","painScore":0.36,"sentiment":0.5714286,"confidence":0.57629025,"matchedPatterns":["missing_feature"],"statement":"What features are missing?","title":"Looking for honest feedback on my new budgeting app (Android)","body":"Hi everyone,\n\nI've recently built my first Android budgeting app called ClearWeek and I'm looking for honest feedback from people who regularly budget or are trying to get better with money.\n\nThe idea is simple: instead of just showing your monthly budget, ClearWeek converts everything into a weekly spending amount so it's easier to know what you can actually afford to spend.\n\nI'd love feedback on things like:\n\nIs it easy to understand?\n\nIs the UI clean and intuitive?\n\nWhat features are missing?\n\nWould you actually use it?\n\nIf you do enjoy it, a Play Store rating would mean a lot. I'm happy to return the favour. \n\nGoogle Play: https://play.google.com/store/apps/details?id=com.clearweek.budget\n\nThanks to anyone willing to give it a try! Happy to answer any questions!","offTopic":true},{"id":"00a099c7-796e-46f2-933f-1d8e0275b78e","excerpt":"I built a free budgeting app that auto-categorizes spending (looking for feedback) — Hey everyone,\n\nI've been working on a budgeting webpage because the current ones are either tedious to manually input categories or its through a bank and they just want your contact info to sell you stuff. [https://www.budgetme.ca](h","url":"https://www.reddit.com/r/SideProject/comments/1q240z3/i_built_a_free_budgeting_app_that_autocategorizes/","role":"request","weight":0.78375477,"occurredAt":"2026-01-02T17:02:35.000Z","sourceKey":"reddit","sourceName":"Reddit","credibility":0.62,"venue":"SideProject","intent":"problem_report","painScore":0.36,"sentiment":0.11111111,"confidence":0.57629025,"matchedPatterns":["manual_process"],"statement":"Hey everyone, I've been working on a budgeting webpage because the current ones are either tedious to manually input categories or its through a bank and they just want your contact info to sell you stuff.","title":"I built a free budgeting app that auto-categorizes spending (looking for feedback)","body":"Hey everyone,\n\nI've been working on a budgeting webpage because the current ones are either tedious to manually input categories or its through a bank and they just want your contact info to sell you stuff. [https://www.budgetme.ca](https://www.budgetme.ca)\n\nThis webpage auto-categorizes, just copy and paste transactions. Would love any feedback on what's working or what could be better. ","offTopic":false},{"id":"4334f059-b37e-4910-8906-37c7de49ba5d","excerpt":"I got sick of switching between different finance apps to get the features I actually wanted, so I built my own. Would love your feedback. — Hey everyone, I've been working on a personal finance app called ARK Finance Manager. Honestly, it started out of pure frustration. I felt like every app I tried was missing somet","url":"https://www.reddit.com/r/TestMyApp/comments/1vtd9wp/i_got_sick_of_switching_between_different_finance/","role":"pain","weight":0.7357736,"occurredAt":"2026-08-20T08:09:57.000Z","sourceKey":"reddit","sourceName":"Reddit","credibility":0.62,"venue":"TestMyApp","intent":"feature_request","painScore":0.42511627,"sentiment":-0.1627907,"confidence":0.51629025,"matchedPatterns":["missing_feature"],"statement":"I felt like every app I tried was missing something: one had a great budget layout but awful debt tracking, another tracked net worth well but felt clunky for daily expenses, and none of them quite fit the way I wanted to manage my money.","title":"I got sick of switching between different finance apps to get the features I actually wanted, so I built my own. Would love your feedback.","body":"Hey everyone, I've been working on a personal finance app called ARK Finance Manager. Honestly, it started out of pure frustration. I felt like every app I tried was missing something: one had a great budget layout but awful debt tracking, another tracked net worth well but felt clunky for daily expenses, and none of them quite fit the way I wanted to manage my money.\n\nInstead of keeping multiple apps open, I decided to build a single tool that combines the best parts of what's out there. It covers everything from cash flow and budgets to accounts, debt, and net worth-all while keeping your data local and private on your device.\n\nSince I'm building this on my own, I really want to make it actually useful for people. If you've ever felt like existing finance tools are either too bloated or missing key pieces, I'd love for you to check it out.\n\nTry it, tear it apart, and let me know what sucks or what I should change. All feedback is super welcome.\n\nHere is the link to check it out on Google Play:\n\nhttps://play.google.com/store/apps/details?id=com .iskonyerodevlabs.arkfinancemanager","offTopic":false}],"breakdown":[{"sourceKey":"reddit","sourceName":"Reddit","count":11},{"sourceKey":"hackernews","sourceName":"Hacker News","count":2},{"sourceKey":"lemmy","sourceName":"Lemmy","count":1}],"total":14}}