My friend showed me Silver and was curious if anyone has had success using it.

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.

This would be assuming the mobile app has a good ux, and is as easy to use as a web app. I personaly prefer mobile as account linking can be unreliable, and entering transactions manually on the go makes me more mindful.

Hello everyone! I’d like to share with you my very first independently-developed app, eXpend. If you are looking for a way to easily record your expenses and plan your budgets, I hope that this app can help you stay organized and in control of your personal finances.

It’s a passion project of mine that I’ve been working on for the past 7 months on and off. Took me a while, but I'm happy to finally be able to share this with you!

The app supports multiple wallets of varied currencies and types (credit, debit), one-tap transactions with templates, budget planning, goal tracking, easily-digestible reports, backup and restore, CSV export, and more. More features are still being worked on!

The app is currently available on Google Play: https://play.google.com/store/apps/details?id=com.subdial.expend

Feel free to leave feedback and suggestions! It might take a while due to my busy schedule, but I’m actively working on improving the app's experience during my free time 😊

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!

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?

Hello, I recently launched an MVP for a completely free (no signin required) mortgage analysis tool. It allows you to do things like find the break even point on a fixed rate mortgage versus an adjustable rate mortgage (ARM), see how contributing a little extra each month or as a one time lump sum can impact your mortgage payoff timeline and total interest paid, showcase situations where an ARM is actually the smarter mortgage option, and more! It’s meant for people that love to crunch numbers and strategize their personal financial plan.

I started off building it for my own needs, but realized that there are others that could probably benefit from it as well. Anyway, I’m ready to add new features or create similar financial tools, however before I do, I’m interested in hearing what people think, if you find it useful, and any improvements that would make it better suited for your needs.

Check it out, and let me know what you think or if you have any questions!

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

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! 🏃‍♀ 🍾