The privacy angle is interesting. I'm curious how people view the pricing strategy of taking a one-time payment for lifetime access. My first thought was that it encourages the developer to focus more on recruiting new users rather than keeping existing ones happy - makes me wonder what will become of the product if new user growth stalls.
I use YNAB. I thought about building my own now that AI coding make this feasible. But the moat that I can't cross is the integration with my bank accounts. Plaid and the like are too expensive and don't cater to one-off users like me.
Has anyone been able to find a personal financial data provider that has a reasonable price?
Plaid has a pay-as-you-go option that's only about $2/month for this use case. (I believe the current rack rate PAYG pricing is 30 cents per month per connected bank login).
The privacy angle is interesting. I'm curious how people view the pricing strategy of taking a one-time payment for lifetime access. My first thought was that it encourages the developer to focus more on recruiting new users rather than keeping existing ones happy - makes me wonder what will become of the product if new user growth stalls.
I use YNAB. I thought about building my own now that AI coding make this feasible. But the moat that I can't cross is the integration with my bank accounts. Plaid and the like are too expensive and don't cater to one-off users like me.
Has anyone been able to find a personal financial data provider that has a reasonable price?
Plaid has a pay-as-you-go option that's only about $2/month for this use case. (I believe the current rack rate PAYG pricing is 30 cents per month per connected bank login).
actual budget something similar from what i can see via SimpleFIN Bridge (https://actualbudget.org/docs/advanced/bank-sync/#supported-...)
https://teller.io/ has been on my radar to play with
I thought Plaid have (had?) a developer account that could connect something like 100 accounts that was free.
> I've been dogfooding it for the past 10 days
Must be ready to go then
any comparison with https://actualbudget.org/ ?
Hadn't heard of it before, though looks similar in intent.
My inspiration for trackm was actually moneywell.app which i bought a license for in 2009.
The "look X years" into the future feature was pulled from it.
I no longer have a mac or ios device, so built trackm to fill the void.
I’m really sorry but anyone can vibe a personal finance app in 2026.
Monetizing this is going to be challenging.