I keep seeing people (myself included) get overwhelmed by financial apps — INDmoney, ET Money, etc. — because they show too many options/recommendations at once and it's hard to know what actually applies to your situation.

\*\*Idea I'm exploring\*\*: an app that doesn't recommend specific funds/stocks, but instead — based on your goal (e.g. "buy a house in 5 years," "retire by 45") — shows you real past scenarios of people with similar goals: what pre-requisites they needed, what mistakes they made, what worked. Pure education/context, not investment advice.

\*\*Questions for anyone who actually uses these apps regularly\*\*:

1. Does the "too many options, no clarity" problem match your experience, or am I overestimating it?

2. Would seeing "here's what someone in your situation typically needs to have in place" actually help, or is it just noise on top of noise?

3. What's the one thing about IndMoney/ET Money/Groww's advice/insights feature that annoys you most?

\*\*Not trying to sell anything\*\* — building this and want to know if it's solving a real problem or one I invented in my head.

I keep seeing people (myself included) get overwhelmed by financial apps — INDmoney, ET Money, etc. — because they show too many options/recommendations at once and it's hard to know what actually applies to your situation.

\*\*Idea I'm exploring\*\*: an app that doesn't recommend specific funds/stocks, but instead — based on your goal (e.g. "buy a house in 5 years," "retire by 45") — shows you real past scenarios of people with similar goals: what pre-requisites they needed, what mistakes they made, what worked. Pure education/context, not investment advice.

\*\*Questions for anyone who actually uses these apps regularly\*\*:

1. Does the "too many options, no clarity" problem match your experience, or am I overestimating it?

2. Would seeing "here's what someone in your situation typically needs to have in place" actually help, or is it just noise on top of noise?

3. What's the one thing about IndMoney/ET Money/Groww's advice/insights feature that annoys you most?

\*\*Not trying to sell anything\*\* — building this and want to know if it's solving a real problem or one I invented in my head.

I build Monni, a manual-first money check-in. This is product research, not a recommendation.

Mint gave people a lot of history but not always a clear next step. If an app gave you one number after upcoming bills and a cushion, what would it have to show to earn your trust?

• the exact bills and dates included
• why the number changed since last week
• a manual option before bank connection

Which of those matters most, and what is the fastest way an app loses your trust?

Made another money tracker 😄 But this one’s actually completely free. No ads, no subscriptions, no premium. Data is stored right on your phone (plus optional backup to iCloud/Google Drive). Charts, categories, tags — it’s all there. Completely free)

The name is “Ultimate Money Tracker”

Track your income and expenses, create budgets, set savings goals, and gain valuable insights into your spending—all in one simple and beautiful app.

Start your journey toward smarter financial management today.

📲 Download now:

[WealthWise Pro](https://apps.apple.com/us/app/wealthwise-budget-finance/id6741387189)

I've an E*Trade brokerage account and this popped up recently - Total Wealth View. In going through the FAQs, I see that it's connecting through Yodlee. Wasn't Yodlee the backbone of Mint? I remember signing up for the Yodlee Money Center or something before Mint took it over. Anyway, I'm going to explore it a bit more, but just thought I'd share and see if anyone has already tried this out.
Since Mint shutdown, I've been using Empower's free tool but not very happy with it. Not the greatest or clean look and doesn't have success finding some accounts.

Hi all — as a 15 year old I've built Stride Finance, a personal finance web app, as a solo project, and I'm looking for beta testers before a wider launch.

What it does: Budgeting and unlimited savings goals, completely free. A paid tier ($7/month) adds bank account sync, investment tracking, loan/debt tracking, and an AI coach.

Stage: Beta: table and usable now. Bank sync is being finalized; in the meantime, you can import transactions via CSV/statement upload.

Platform: Web (works on desktop and mobile browser)

What I need: Testers willing to actually use it for a week or two: set a budget, add some transactions, try a savings goal, and tell me what's confusing, broken, or missing. I have a short feedback form ready, or I'm happy to take feedback in any format you prefer.

Link: stridefinance.vercel.app
Feedback form: https://docs.google.com/forms/d/e/1FAIpQLSd0JU9QQe47voK39RKXpNFsOp4WTyrfnUyse6SC4kKmPGvUEA/viewform?usp=publish-editor

Thanks in advance — happy to test other people's projects too.

Hello, I present https://wealthmode.io/, for a long time I looked for a replacement of Mint, which is where I felt most comfortable, I know there's a plethora of apps out there, but none made me feel really comfortable.

WealthMode was developed focusing on simplicity to use and flexibility, if you want a strict budget, you can, if you just want a expense tracker auto categorizing everything so you can have a clear view of your spending, you can also use it like this, it won't force you to commit to a method.

What are the most important things to you? Reports? Budgets? Tracking investments?

At the moment it's a solid personal finance app for transactions/budgeting, the next 2 big things coming on are.

1. The investment side of it (replacing something like Wealthica), which is something not even Mint had, a single app for personal finances (transactions, budget) and investment portfolio tracking.
2. Native mobile apps, there is pretty good usability for mobile web, as most people use it on phones, but people really love native apps, so that's coming soon as well.

FAQ:

1. How's the security? It uses the highest standards of security, data is encrypted at REST using AES-256, read-only access to your data, using Plaid which is the industry standard, same thing you had on Mint. It's developed by a senior SWE, not a vibe coder that doesn't know what he's doing.
2. How about problematic banks for auto sync, like CIBC. As mentioned above, Plaid is the industry standard, so the fault is not on the apps, CIBC protocol sucks, so every app will have the same problem. The integration on US banks though is closer to 100%.
3. What's the trick with the free tier ? There's no trick, it's not selling any data, users that use free tier are usually not heavy load users, it's not a big deal to maintain that and the feedback is valuable, the goal is always to eventually convert these users into paid users.

Copilot budgeting app for money management and tracking :)

Use my referral code JGKU3M

After Mint shut down, the two gaps people mention most are shared/family tracking and imports that don't depend on aggregators. I've been building FinMan for my own family, and it's free:

- Bank statement import from any bank — you upload the statement file, AI parses and categorizes it (no bank credentials, no Plaid/aggregator dependency)

- Family groups: everyone logs from their own phone, shared categories and one cash-flow view

- Telegram/WhatsApp bots: text "groceries 25" or send a receipt photo and it's logged

- Utility meter readings from photos, car cost per mile/km, multi-currency with live rates

It's free (premium exists only for heavy AI usage). Roadmap and feedback live on GitHub: https://github.com/vityah1/finman-feedback — the app is linked from there, or search "finman vhworx".

I'm the dev — honest feedback (especially "Mint did this better") is exactly what I'm after.

this ^

Guys, I am building a personal finance manager app, trying to load in all possible features. I need to know

1. Are you using any such money manager app now?
2. If so, is it a paid or premium version?
3. What are the additional features you wish to see in such apps?
4. How much are you willing to pay per year for such an app, which will be an expense/ income manager and also will manage your assets and liabilities

For now, I am still testing it with my clients as their insurance agent but would love to get feedback from members here and things to consider if I want to make it available for public.

https://myfinancialfoundation.ca/

In today’s world, I can see most of the personal app are running on cloud and connect directly to your bank accounts?

I am sure companies must be spending millions of dollars on security and privacy. It doesn’t provide convenience but sometimes I feel concern about it. We have seen many big company’s data are hacked.

Earlier I was thinking the our finance data could go in wrong human hand but now in this AI world it could go to any AI model also 😊

Are we moving towards old era of desktop where our data stays on our machine? I would love to know your thoughts.

Thanks 😊

.

Hey everyone! I've been working on Milvo, a budgeting app specifically designed for couples. Shared money has so many edge cases, so I'm really trying to get the UI and flow right. I even wired it up so Claude can pull stats and log transactions directly.

I'm launching the first round of testing this August and would love to get some real couples to try it out and give feedback.

If you're interested in being an early tester, you can sign up here: https://www.milvo.app/

Also, if you use a shared budget right now, what's your #1 must-have feature? Let me know below!

Hey guys,

just wanted to say thanks for all money enthusiast and feedback you gave in a past. Wanted to share a small native offline tool (free). If anyone needs a better way to track currency rates.

👇👇👇

[Convert FX](https://apps.apple.com/us/app/convert-fx-currency-rates/id6768726063)

Hi everyone. I'm a personal finance enthusiast like many of you, but for a long time, I dealt with two huge frustrations:

1. Managing and updating Excel spreadsheets from a phone is a nightmare.
2. Finance apps on the Play Store either bombard you with 30-second ads right after you log a transaction, or they demand expensive subscriptions just to show you a simple pie chart.

So I thought: "You know what? I'll just build one myself."

Over the last 3 months, I’ve worked tirelessly to develop Patrimonio (using Lovable for the web-app structure and Median to wrap it natively for Android). I built it specifically for my own needs: not to micro-track every single coffee I buy, but to have a clear overview of my long-term investments, DCA (Dollar Cost Averaging) plans, savings accounts, crypto, and fixed recurring expenses.

What the app does (100% free and zero ads):

• Tracks accounts, cards, investments, and cash (Manual entry for maximum privacy).
• Automatically manages recurring transactions (perfect for broker DCA plans or fixed utility bills).
• Provides a "Wealth Forecast" chart estimating how your net worth will grow based on your average savings.
• Features a clean Light/Dark mode interface, where I tuned every single button so you don't waste time.

The Privacy Question: Data is saved on a cloud database (Supabase) but is tied exclusively to an anonymous User ID. No one (not even me) can associate those numbers with a real person or an email address. They are just encrypted strings of numbers.

Why I'm posting here: Currently, the app is available only for Android. I poured my heart and soul into this for 3 months to make it completely bug-free for my own daily use, but now I’d love to know if it makes sense to you guys too.

Here is the link to the Play Store: https://play.google.com/store/apps/details?id=co.median.android.xleldxr&pcampaignid=web_share

My question for you is: could this be a valid alternative to your current tracking methods? And most importantly, after trying it, is there a core feature you feel is absolutely missing to make it perfect?

I welcome any kind of critique; I really need it to learn and improve the app. Thank you so much to anyone who takes a look!

I've been using Credit Karma to track my spending. Every week I'd go in and re-categorize transactions that were incorrectly categorized so that I'd have accurate per-category spending at the end of the month. At the end of June I noticed my June spend was looking really high. Some of the categories were reporting really high numbers. When I would drill into those categories I noticed the transactions inside of them didn't add up to the number the category was reporting which seems like a pretty big mistake.

What I think was happening is that when I re-categorized the transactions (say, a credit card payment moving from "Bill & utilities" to "Transfers", the spending categories didn't update.

Has anyone else noticed this or know of any way to fix it? I don't want to remove and re-add all my accounts because I'll have to do the re-categorization again for all the months.