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Earlier this year, or perhaps in 2017, I found a nice little online budgeting tool. It was made by a guy from somewhere in East Europe of the Middle East. For the LIFE of me I can't remember the name, find it in my emails, or find it online. Can anyone help?

A few things I've remembered via the conversations here:

  • Basic budgeting and expense tracking.
  • Built by one guy who lives somewhere in Eastern Europe, the Middle East, or India.
  • I think the tool was highlighted on the Hacker Newsletter; not sure if anyone here knows what that is.
  • It might be on GitHub, but I couldn't find it there.
  • It is a hosted service.
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Hello All,

My wife and I have a shared account with Chase bank's that we use for household expenses.

Both of us have setup a portion of our paychecks to be direct deposited into this account every other Friday.

We have utilities, car payments & phone bills set up as payees. The goal is to make sure each payee receives a payment every pay period.

I attempted to set up recurring payments so that the payments are funded every other Friday but If I review the planned scheduled payment dates the payment date does not always fall on a Friday. (I really want this all to occur on Friday (paydate)). If Chase scheduled payment falls on a Thursday prior to our pay date then we're hit with overdrafts.

We like Chase bill pay because the funds are held or removed from available funds immediately. I guess I'm looking to enhance the service by running a script, tool or Excel macro that

  1. Logs in to Chase every other Friday
  2. Checks available balance
  3. submits payments

I have a spare Windows laptop I can leave on that can be dedicated to running household budget processes

Sorry for rambling just looking for ideas

Thanks

Steve

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So I've tried out Mint and other things like that that automatically pull info from your online banking and it just has never been for me. I get paid in cash (tipps) and make a lot of cash transactions so I'm looking for a user inserting interface.

There is an app I've been using called "finance PM" that has a web interface so I can update things from my PC too, but it hasn't been updated in a long time.
I mostly just want to be able to make custom categories and be able to track how much of my money is going to what categories each month.

Thank you!

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I'm fortunate enough to be ahead of the curve in retiring at a normal retirement age. So I've been researching ways to retire early. While popular online retirement calculators are helpful (adjustable ROI, contributions, inflation, SS, pensions, etc.) I have been unable to find an online retirement calculator that includes the following:

How much I need before Social Security and pensions kick in.
How much I need after SS and pensions kick in.
Let me put in % of final income years at lower than 60%.
The effect of additional cash influx at retirement (ex. selling a house that is paid off).

Besides an online tool are there good articles that cover this as well?

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I am expecting a job offer from a startup company. I currently work for a blue Chip company with no stock options and straight time for overtime as well. I am expecting to be salaried at the startup company with no overtime pay, but with stock options. The new gig will also be in a state with no state tax on income. Just wanted to see if anyone already had a Google sheet or Excel file that compared job offers based on COL and benefits.

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I am looking for a free app that connects to your bank account and you can specify a total budget every month. (Do not spend more than $2000 for example), and then the app divides that monthly budget and as you live out the month, it keeps track of how you are tracking towards the budget.

"It is the 4th day of the month, you should only have spent $300, but you already spent $500, so now you only have $1500 for the rest of the month and can only spend $58 per day."

I found this app Toshl https://itunes.apple.com/us/app/toshl-finance/id921590251?mt=8 which does exactly what I want, but you have to pay to connect to a bank account.

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Hi!

I am an artificial intelligence student of the Radboud University in Nijmegen. I wrote a lightweight budgeting app that utilizes a recommender system to suggest personalized financial challenges to you. Challenges are short and easy assignments that can help you to save money, improve your planning skills or stay motivated to stick with your budget. The system learns through interaction and tries to find challenges that interest you the most.

Right now I am trying to validate if my algorithm works and need some people to interact with the system. If you would like to try the app and help me out, you can find the prototype on the Google play store.

https://play.google.com/store/apps/details?id=com.cdwoelk.fincoach

Thanks for your attention and have a nice day!

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Hi all. A while back I posted about the release of Firefly III v4.7.0. Well, version 4.7.5 can be downloaded from GitHub as we speak. There are upgrade and installation guidelines, as well as instructions for Docker.

The biggest change in this release is the release of a new feature called recurring transactions, that will allow Firefly III to make weekly, monthly or yearly transactions for you.

Other changes since 4.7.0 include improved ability to import data from bunq, Spectre and CSV files, a whole new API and several languages added as translations.

Other changes in 4.7.5 include:

  • The 2FA secret is visible so you can type it into 2FA apps.
  • Bunq and Spectre imports will now ask to apply rules.
  • Sandstorm users can now make API keys.

Added

New features are:

  • New API end points for attachments, available budgets, budgets, budget limits, categories, configuration, currency exchange rates, journal links, link types, piggy banks, preferences, recurring transactions, rules, rule groups and tags.
  • Added support for YunoHost.

And of course many bug fixes.


Never heard of Firefly III? Check out the documentation and be sure to read the introduction and the grand theory to get an idea of what Firefly III is.

Check out GitHub for the full changelog.

Other interesting links:

Thanks for reading!

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Fund this thread in the wiki after posting in pf!

Hi pf! I am seeking a tool that helps you manage your money based on filters and triggers.

Basically, I'd like all my direct deposits to enter my high APY account, and have the tool automatically keep a checking account in another bank of mine hydrated with about 3000$ at any time. Ideally, it would even be able to maintain a certain amount like 10k in my high APY savings account and transfer the rest into my wealth front account. I've seen an app talk about this but I forgot what it was. Maybe it was personal capital.

It won't take money from your bank and into it's own service, but rather help automate money transfers.

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Hey all, came here looking to get recommendations for a good tool to help me better manage my money/budget. I had looked at mint before as it seemed to be one of the popular free ones, however I was concerned about providing credentials from my bank/credit card accounts being stored and used by a third party. Does doing this violate a y protection from fraudulent activity on my accounts? Essentially, the bank could say, "you shared your access with another party, therefore you are on the hook for any misuse of money". Or are banks supporting this access method? Thanks!

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Hey everyone!

My name's Andrew and I'm a web developer who loves making useful sites and apps. Alright, that's enough backstory. Over the last couple months I've been building budget.cool, a simple web app designed to help manage spending and budgets on a per-month basis. The catch though, is that everything has to be entered manually.

The budgeting apps I've used before just seemed to 'set it and forget it' for me, so I created budget.cool without that aspect. There's no automated feed from your banking accounts, no bulk transactions added in, and nothing else to help you gloss over what you spent money on. The goal (besides being easier to create), is to help build discipline when it comes to spending money. It forces you to see every item you've spent money on, and really get to intimately know your budget and where your pain points are.

Anyway, right now the site's in private beta. I'm opening it up to anyone who wants to check it out or thinks it might be useful, just let me know if you want an invite code! If you have any questions, please don't hesitate to ask. If you think it's garbage, you can let me know that, too!

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The financial decision space of the US household is surprisingly complex. Our money is messy and interconnected. There are tools, but most focus on a single area, such as budgeting, debt or retirement. But we know that you don’t live life one aspect at a time and you shouldn’t plan that way. So, we built SAVVI.

It starts with your goals. It considers millions of options and identifies your best choices – mathematically derived, optimized and stress tested. And then it gives you step-by-step instructions. With SAVVI, making sophisticated financial decisions about how to spend, save, protect and invest is easy.

The advice engine is unlike anything in the market and now we need your feedback to help us make the interface even better. We are eager to learn and put your comments to work!

To learn more about us visit www.savvifi.com

Click on the link below to sign up to be a beta tester.

https://savvifi.typeform.com/to/TvlEyU

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Hi everyone!

Uptik - Web App

Uptik - Android App

EDIT: Uptik Screenshots

Over the last several years my friend and I created Uptik as a financial web and Android app. Uptik was created to be a financial projection and expense manager app to eliminate the stress of money. We know there are a lot of other finance apps out there to compete with but Uptik is laser focused on projecting your future to be confident for tomorrow.

  • Project your future: Uptik shows a calendar of upcoming expenses and incomes along with a continuous line chart of your bank balance to easily see what's coming and where you can make changes.

  • Compare to entire userbase: Uptik allows users to compare themselves against the entire userbase anonymously to see how their expenses stack up against people of the same gender, age, location, etc. (over 50 different filters)

  • Private and secure: We also never asks for banking information because we believe data privacy on the internet is important.

  • Free product version: will always be available

  • Paid product version: $5 / month but *if you don't save more than $50 during the month, it's free. We base ourselves on results for the user.

FEATURES INCLUDE



Plan Free Partner (only pay if you save more than $50*)
Cost $0 $5 / month*
Uptik Dashboard yes yes
30 Day Forecast yes yes
Monthly Stats yes yes
Monthly Cash Flow yes yes
Financial Tips yes yes
Track Incomes/Expenses yes yes
Verify Incomes/Expenses yes yes
Current Cash yes yes
Emergency Fund Calc yes yes
Uptik Calendar yes
Scenario Analysis yes
Monthly Reports yes
Compare Userbase yes
Geo Stats yes
National Averages yes
Scheduled Email Reminders yes


We have also made a free companion Android app to quickly make expense on-the-go at the speed of life. It works really well with an NFC sticker in your wallet if you have one.

Uptik Quick Expense

Feel free to email me at upchat@uptik.com if you have any questions.

Thanks!

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I haven't been able to make YNAB work for me, there's a lot about the software I don't like, I don't have the time, nor the patience, to add each individual transaction that is outside the main categories I set, and I want something more automated, similarish to Mint where it knows to assign most things to the right category and doesn't require so much babysitting.

But Mint's budgeting kind of blows and there are tons of issues with it's connections with banks repeatedly cutting ties.

Short of just going to a spreadsheet, I thought I would ask.

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I know Hazel works great on MacOS and FileJuggler is pretty decent on Windows but does anyone know / successfully created anything that works on Android? Possibly even something that works in Google Apps Script.

Thanks for any insight.

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Tool is under initial stages of development. We don't need any of your personal information, and will do our best to offer advice that is both very much in line with r/personalfinance, and that we have used in our own lives.

Slight preference for volunteers that are based in Bay area, and are at the beginner level, but we will skype/google hangouts/fb messenger with anyone. Send me a private message if you're interested.

About us: Both successful in the tech field, worth 7 figures (can provide Mint screenshot proof), and deeply passionate about helping people get to a better place in their financial lives by building a non-profit tool.

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I have long followed a relatively simple approach to cash flow management. It goes back to David Bach's The Automatic Millionaire, which I read 10+ years ago. But I it has developed its own flavor over the years.

I have my pay deposited Checking #1. Checking #1 pays for typical bills and other known expenses: mortgage, utilities, etc.

I then have scheduled transferred to a Savings account with sub- saving accounts: emergency fund, vacation, annual, HOA dues, annual insurance premiums, etc.

The "leftovers" are transferred to Checking #2. I do this every Monday, the account is funded for 7 days. This is everyday spending: groceries, haircuts, clothing, dining out, etc. The reason for funding every 7 days is to create false scarcity. The idea is to feel free to spend it down to zero every week, but once it's gone, it's gone. It will get funded again on Monday.

Personally, my three accounts are in three places. This curbs the ease of a simple transfer to "cheat". Though it is not strictly required.

My question for this community is whether or not there is a platform that already exists to organize and implement such a system? So it's even simpler and smoother than what I am already doing.

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Hey PFTools,

I am designing some software to help people predict how their portfolio will grow over time. I have a few ideas but would like to see if you guys have any suggestions or useful features you would like. Essentially I have bond and stock data since 1928 to simulate random returns. Each 'year' a randomized stock/bond return is given and in the picture a 'lifetime' of growth is simulated 100k times. I hope this gives a more accurate picture than many of the compound growth calcs online.

https://imgur.com/a/A7Fuz

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Hello all. I am looking for a tool that tracks expenses, budgets, allows multiple users, allows manual input, and has categories. Bank integration is a plus but not necessary. I would like to be able to be able to categorize what is pulled.

My fiancé and I want to manage a joint budget, and I’m having trouble the right tool for the job. I use Pennies on my phone for the simplicity, and I love the interface (if that helps).

I’ve looked into Quicken and Expensify, but I’m not sure they’re quite what I’m looking for. Ideally, we would use a mobile app on each of our respective phones to manually enter or categorize expenses, while being able to see the same budget amounts.

Hope that makes sense. Thanks in advance.

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Archived

Hi everyone, just wanted to share our new personal finance visualization site www.riloai.com.

We are focusing on allowing people to visualize their finance health without raw income/expense numbers -- as it is more important to know if you are on track for retirement, not brag about your income levels.

The output of our tool is a customized infographic that gives you a nice visualization of your finances. We also include the ability to share your financial health to tell the world how well you are doing.

Here's an example - http://www.riloai.com?ExampleRedditor_Z0pJN85Smveu1YPUXblsZtv1eS0tZtOtbK

We would love everyone's feedback, and we hope it is useful.

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Archived

Quicken Loans changed their site to Rocket Mortgage and since then (mid December last year) Personal Capital hasn’t synced mortgages from it. Also now it’s also not syncing with my credit union. This is despite multiple email discussions with PC support (who always say “it’s being worked on”). Is anyone else having issues with Personal Capital? The tool is useless if it won’t sync.

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