Skip to content

Instantly share code, notes, and snippets.

@maxintapp

maxintapp/moneyapps.md

Last active April 30, 2024 01:28
Show Gist options
  • Star 2 You must be signed in to star a gist
  • Fork 1 You must be signed in to fork a gist
  • Save maxintapp/ca8e973e9ce19582939f7e912630ce14 to your computer and use it in GitHub Desktop.
Save maxintapp/ca8e973e9ce19582939f7e912630ce14 to your computer and use it in GitHub Desktop.
Download ZIP
Money management apps
Raw
moneyapps.md

Budgeting apps

App Tagline Price OS Users
Fidelity Full View Your financial picture just got a whole lot sharper Fidelity customers only Web; 40M+
Fidelity Planning Make progress toward your goals on your timeline Fidelity customers only Web; 40M+
Credit Karma Where credit meets confidence. Free, ad-based iOS; Android 37M
Mint Managing money, made simple Free, ad-based iOS; Android 25M
PocketGuard Always know where your money goes $7.99/m; $34.99/y iOS, Android 10M
EveryDollar The Simplest Way to Budget for Your Life $12.99/month or $79.99/year iOS, Android 10M
RocketMoney The Money App That Works For You $4-$6/m Web; iOS; Android 3.4M+
Empower - Personal Capital Take control of your money now Free, management fee 0.49% to 0.89% Web; iOS; Android 3.3M
Goodbudget The digital envelope budgeting system. $8/m; $70/y iOS, Android, Web 3M
Simplifi by Quicken Easy budgeting and expense tracking for beginners. $3.99/m Web; iOS, Android 2.5M+
Honeydue Finance for couples. Budget, track, and bill pay together. Free, ad-based iOS, Android 2M
YNAB Change Your Relationship With Money Free, ad-based iOS; Android 1M+
Zeta Modern-day banking to help your family thrive $4.99/m; $41.88/y iOS, Android 1M
Copilot Supercharge your savings and investments $13/m; $95/y iOS; MacOS; 238K+
Pocketsmith The best personal finance software to help you live the life you want $14.95/m Web; iOS; Android; MacOS; Windows; Linux 100K+
Monarch Money The modern way to manage your money $14.99/m; $99.99/y Web; iOS; Android 50K+
Tiller Your financial life in a spreadsheet, automatically updated each day $79/y Google Sheet; 50K+
Buxfer Take Control Of Your Financial Future $4.99/m - $11.99/m Web 15K+
Firefly III Managing money, made simple Open source Web 15K+
LunchMoney Delightfully simple personal finance & budgeting $10/m; $40-$100/y Web 3K+
GhostFolio Manage your wealth like a boss Open source; $24/y Web; 3K+
Buildyourownmint Build your own mint Open source Google Sheet; 2.4K+
Cashew An app created to help users manage a budget and purchases Open source Web; iOS; Android 498+
Projectionlab Build Financial Plans You Love. $14-$65/m Web; 300+
Banktivity Proactive money management app for macOS/iOS $5/m; $49/y iOS; MacOS; 300+
Moneywell Manage Your MoneyWell $5.99/m; $49.99/y iOS; MacOS; 100+
Finwise Personal finances, simplified $0-$6.99/m Web; 23+
Mezzi Autonomous wealth $0-$9.99/m iOS; 11+
Financier Better budgeting software Open source; $12/y MacOS; Windows; Linux; 7+
Homechart Organize Your Chaos $3.99/m; $79.99/life Web; n/a
AceMoney Easy to use Personal Finance Manager $44.95 MacOS; Windows n/a
Fund Manager Portfolio management software $ 139 Windows n/a
Actualbudget Enjoy managing your finances Open source Web; n/a
KMyMoney A Personal Finance Manager for humans Open source MacOS; Windows; Linux n/a
Fina Flexible Financial Management $0-$9.6/m Web; n/a
Maybe Personal finance and wealth management app Open source Web; n/a
receipt-manager-app Receipt parser application written in dart Open source Web; n/a
MoneyManager Ex Free, easy-to-use, personal finance software Open source MacOS; Windows; Linux, Android n/a

Features

Category Feature Status
Advisory Financial advisor 🔮
Alerts Alerts ✅
Analytics Account dashboard ✅
Analytics Analytics ✅
Analytics Chance of success ❌
Analytics Data analysis ✅
Analytics Deterministic Projections ❌
Analytics Emergency fund ✅
Analytics Flexible Modeling ❌
Analytics Forecasting ❌
Analytics Historical Backtesting ❌
Analytics Market mood ❌
Analytics Monte Carlo Simulations ❌
Analytics Net worth ✅
Analytics Portfolio calculations 🔮
Analytics Sankey Cash-Flow Visualization ❌
Analytics Static Analysis ❌
Analytics Stats and Trends ✅
Analytics Tax Analytics ❌
Assistant AI Assistant 🔮
Backup Backups 🔮
Bills Bill Negotiation ❌
Bills Bill payment tracker 🔮
Bills Bills ✅
Bills Recurring bills ✅
Bonds Bonds 🔮
Budget Budgeting ✅
Budget Rollover budgets 🔮
Cash Flow Cash flow ✅
Categorization Categorization ✅
Collaboration Advisor Dashboard 🔮
Collaboration Collaboration 🔮
Collaboration Community ✅
Collaboration Household ❌
Credit Credit score ❌
Crypto Cryptocurrencies 🔮
Currency Currencies 🔮
Data Bank connections ✅
Data Data export 🔮
Data Developer API 🔮
Data Import accounts & transactions 🔮
Data Import and Export 🔮
Data Transaction rules 🔮
Data Transactions ✅
Debt Debt payoff plan ❌
ETF ETFs 🔮
Expenses Expense management ✅
Expenses Expense tracking ✅
Fees Fee Analyzer ✅
Fraud Fraud detection 🔮
Goals Financial goals 🔮
Goals Savings goals 🔮
Insights Insights ✅
Insights Spending insights ✅
Investing Investing 🔮
Investing Investment checkup 🔮
Investing Investment portfolio 🔮
Investing Investment tracking 🔮
Investing Portfolio allocations 🔮
IOU IOUS 🔮
Liabilities Liabilities 🔮
Real Estate Property value ❌
Retirement Retirement planner 🔮
Rules Rules engine ❌
Savings Smart savings ❌
Security Access control ✅
Stocks Dividend ❌
Stocks Individual securities available 🔮
Support Customer support ✅
Tax Tax Estimation ❌
Tax Tax optimization ❌

Bank connection

Format Service Institutions Price
OFX OfxTools 7K+ Free
API Flinks 20K+ $500/m
API Yodlee 17K+ $3/user/m
API Plaid 12k+ Transactions $0.30/acc/m; Liabilities $0.20/acc/m; Investments $0.35/acc/m
API Teller 10K+ $49/m
API Fuse 10K+ $500/m
API Fincity 7K+ $650/m
API MX 10K+ n/a
API Saltedge 5K+ $500/m
API Nordigen 2.5K+ EUR0.25/connection + EUR100/m
API Snaptrade n/a n/a
API Mono 40+ n/a
API Truelayer n/a n/a
API Finverse n/a n/a
API Belvo n/a n/a
API Basiq n/a n/a
API Akoya n/a n/a

Company connection

https://docs.developer.amazonservices.com/en_US/orders-2013-09-01/Orders_Overview.html

Transactions categorization

https://github.com/j-convey/BankTextCategorizer

Concerns

  • security of using third-party apps to access bank accounts
  • banks have disclaimers in their terms of service that if you lose money because your password was compromised through password sharing they aren’t liable for that loss
  • Tradeoffs you're willing to accept for privacy
  • Plaid scrapes using your banks credentials.
  • 90% of the communication from my bank is them trying to push additional services on me. It's never about what's good for me, it's what's good for them.
  • I would love to use and pay for your service, but it's inexcusable than a service that charges $100+ / year has so many trackers that uBlock shows 87 elements blocked just in the account signup flow (/signup/connect-spending-account).

Issues

  • Duplicate transactions
  • Missing transactions
  • Debit/credit mixed up
  • Have to reauthorize bank connection
  • Payee names are all over the place because it's often the merchant name
  • Limited OAuth support by banks
  • Bank of America has no way to retrieve any of my transactions or data without letting an app impersonate me using my login information, which I’m not about to do.
  • I don’t want some external corporation to be the source of truth for my money
  • I've been using (and manual-entering transactions in) Firefly-III for over 2 years. It's a good, old piece of software, but isn't scalable to our "high-frequency / busy / real-time" banking needs.
  • Cash is still an unsolved problem. Because receipts are so different, nobody has a solution for the OCR task. The best I've seen are expense-tracking apps for businesses that offer such a service for a fee - because they farm out the job to low-paid offshore workers with stuff like Amazon Mechanical Turk.
  • I wish this site (Pocketsmith) was more clear about which banks exactly are supported by bank feeds. It seems right now like I have to buy the service before I know if I can even use the bank feeds feature.
  • Forecasting balances.
  • I applaud the effort, but sometimes think apps like this when they promote self-hosting should have a mode of installation and operation that acts more or less like a desktop application.
  • My first thought when I saw "self-hosted" was "I wonder if I can pay a monthly fee to some other HN reader to get them to deal with the annoyance of hosting for me"
  • FWIW, Firefly III has an old Sandstorm package, but it isn't currently maintained so it's a fair bit out of date. We aim for "like installing an app on your phone".
  • The problem here is ultimately on the platform your app runs on, not the app itself. If web servers are hard to spin up, so too are web apps.
  • Having Docker and other "enthusiast" methods of running software makes it less accessible. Having a web-stack as the goto method of writing software doesn't make sense if it limits the audience that would gain value from it. I say this as someone who professionally maintains a web application that comes with a Windows installer, macOS traditional installation and a Linux RPM. All with desktop icons and it being pretty invisible to the user that it is a web application aside from the HTML-looking UI style. The software is for personal finance, it isn't for a niche that makes the install/access method particuarly sane. If it were software for managing a cluster of X-thing or something ... maybe.
  • Slapping a web server into a local desktop install and calling it good basically removes the vast majority of benefits of it being a web app. Agree, ive installed this in the past and it was a pain in the ass. If i ever did budgeting/financial tracking again i would use a paid option

Requirements

  • Entering everything in myself makes me slow down and consider what I’m spending. And as a bonus, I spot check against what my creditors think I’m spending.
  • The workaround for data entry I have in hledger are a few csv import scripts for various sources of txn info, but I still have to manually edit the imported data sometimes. So still would prefer something that can auto-import transactions.
  • Personally, rather than fetch, I save OFX or QFX files from each US financial institution periodically. So that I can import them now into GnuCash, and also potentially import them into some other tool maybe decades into the future.
  • Some users prefer to enter their data manually, while others find it to be a tedious chore
  • Breakdown of transactions - scanning receipts
  • I really want something that allows me to forecast expenses, and realize them as they occur and automatically adjust forecasts accordingly.
  • Create a module (or even sell one) that is preconfigured, and updated, with the best method for each bank - download csv, api, scrape, etc. In fact, they could charge for that service and fund development.
  • Budgeting tools work best when you're checking them regularly, so you should have a basic idea of what you bought even if you lost the physical receipt.
  • YNAB offers the ability to split transactions over different categories so categorizing an Amazon purchase is trivial.
  • In the case of physical receipts you can enter them before they are synced from your credit card and matching uncleared transactions back with the cleared ones.
  • Not to mention the companion mobile apps that companies like YNAB provide. It’d be nice to have something self-hosted and hackable, but my spouse won’t want to use it unless the mobile app is good
  • YNAB has plugins for various input sources, you could write one too or pay someome to.
  • I'm still searching for something that can efficiently OCR my receipts and extract a total and a store name automatically. (and in Japanese)
  • I recently discovered PocketSmith which is not free nor open-source, but I have found it to be the easiest to keep up to date. It automatically pulls transactions from most banks and credit providers, which I've been unable to replicate with other solutions.
  • +1 on the Pocketsmith recommendation. I've tried several others (YNAB, Lunchmoney, etc.) and I've been using Pocketsmith consistently over the past three years. It has integrations with just about anything, has support for crypto, etc. and their support is top notch.
  • Event-based budgeting, automatic transaction import, buy-once run-locally forever. It’s perfect. macOS only unfortunately but I highly recommend (moneywell.app). The killer feature for me is the event-driven budgeting: you load in your expenses and note when they occur, and MoneyWell figures out how much to allocate to the corresponding envelope automatically. So nice. Anyone else know of another PF system that does that?
  • One thing that I find surprisingly missing from most budget platforms is a recurring rolling budget post. For instance, let's say we have a clothing "category" I want spend $200 monthly for the entire family. I don't know when I'm going to buy a new winter parka, or the recurring biannual event of buying new shoes for the children. But I do know that $200 monthly is what I believe is reasonable for our income.
  • I just want the balance on that budget to roll over for every month, so I know how much there is for that particular thing. And if you don't buy any clothing for 2 months, $400 is added to the available fund for that particular budget category. It extends to a lot of things: * Day trips * Saving for car repairs and ultimately a new one. * Groceries * Holidays * Hobbies * Takeaway
  • I feel you. I spent countless hours trying to find a suitable YNAB replacement, but there is none. I want to see what is possible, not was has happened to my money.
  • I am about to leave YNAB because I am using version 4 (standalone software) which is 32-bit only. My main machine is a Mac so I won't be able to use the software with the next major version. Also, I do not want to use the new YNAB web-based app because the privacy policy is contradictory and their subscription offer is just shitty. Currently I am using Outbank, which is more like a banking app but has automatic categorization which is quite cool, and you can define budgets. Still, no suitable replacement. I really hope for Firefly to take off with a powerful budget planning somewhere in the future.
  • I still think YNAB is invaluable for people that have to really tightly manage money to make sure they have enough cash on hand at the end of the month to pay rent, for example. But now that I'm in a position where I have a little more cushion, I've grown tired of the constant queue of transactions to approve and the general micromanagement in YNAB.
  • You can set rules to rename, recategorize, add notes, require review, mark as reviewed, etc, based on name, amount, category, account, etc.
  • I just want to aggregate all my accounts, track my monthly spending, and track my overall net worth.
  • I use to look at Mint once a quarter. It gave a good high level overview of my finances -- it linked to all my accounts, had records of my assets, etc. Once a quarter I'd load it, see my total assets grow and my debts decrease, and get a strong sense of security.
  • I didn't even use the budgeting/bells and whistles features. It was mostly a great way to download transactions in a unified format from a dozen different banks past their short retention periods. I hope something similar exists :-(
  • I came here to say exactly this. I don't need a budgeting tool, I need a single pane of glass that aggregates all of my accounts across multiple financial institutions and lets me run very basic reports against them. That's it. This product does not seem to exist.
  • Most alternatives people are proposing need you manually enter every transaction you make, and that instantly makes it useless. I want one that connects to every single bank account/investment portfolio/loan I have and updates it in real time. I have never found something as seamless as Mint in that regard.
  • I use YNAB 4, and I manually input all transactions for my credit card usage. I feel that it makes me more conscious of my spending. It's certainly not for everyone, but I only have the one credit card that I put everything on. And I don't buy a tremendous amount of things that makes it very arduous. I also don't have a need to monitor my investment portfolio in real time. I check it once a quarter or so.
  • Lunchmoney easy to setup and apply rules/recurring spends.
  • Extend any missing functionality via Python

Open Bank projects

References

Sign up for free to join this conversation on GitHub. Already have an account? Sign in to comment