Disclosure: I’m Joel, indie developer/founder of OnTrack Money, a monthly budgeting app for iPhone and the desktop browser.

I built it around the discipline of budgeting: make a plan for the month, track purchases against that plan, and keep what’s left to spend visible. The goal is to help you keep practicing that process, rather than put your budget on AI autopilot. It’s for people who want to stay actively involved. Automation can reduce repetitive work, while you keep flexibility and ultimate control over the plan.

The monthly-planning approach will feel familiar if you use EveryDollar. You set planned amounts for individual budget lines, assign or split transactions between them, and compare planned, spent, and remaining amounts as the month goes on.

Personally, I think the desktop browser experience is even nicer for sitting down to budget. The extra room puts your categories, remaining amounts, and the month’s transactions alongside each other, and it stays in sync with the iPhone app.

A few practical features:

• Manual budgeting without connecting a bank.
• Recurring budget lines, notes, transaction search, and CSV/XLSX exports.
• Optional intelligent tracking recommendations: if you consistently assign Starbucks purchases to “My Coffee,” OnTrack can start suggesting that line. You keep the final say.
• Optional Pro bank sync and transaction rules to reduce repetitive tracking work.
• Optional Pro connections to ChatGPT or Claude so you can ask questions about your budget and transactions. You explicitly enable and authorize the connection.

Manual budgeting is free. Pro is $12.99/month or $99/year (USD). Eligible U.S. App Store subscribers can try annual Pro free for 14 days; it then renews automatically at $99/year unless canceled before the trial ends.

OnTrack Money on the App Store

Website and browser access

It’s early days, and I’m continuing to refine the product. Happy to answer questions about how the budgeting workflow works.

Processing img 89yo7pc038yh1...

I'm Rida, the developer of Manor. It's my first app, and the iPhone version just received App Store approval.

Manor is an expense notebook for people who want to record spending without filling out every field themselves.

For example, you can say "Coffee, 4 dollars, and groceries, 35 dollars." Manor separates the expenses and identifies the amounts and categories. You review the result and correct anything it misunderstood.

You can also type expenses, follow your remaining monthly budget, set recurring expenses, and export your records. It doesn't connect to your bank or import transactions.

The free plan includes 30 successful AI requests per calendar month, one owned budget, three custom categories, and two recurring expenses. One request can contain several expenses.

Premium costs US$4.99/month or US$39.99/year. It includes 300 successful requests per monthly allowance period, up to five owned budgets, higher category and recurring-expense limits, shared-budget management, and advanced history filters. Subscriptions renew automatically, and local prices may differ.

An account is required. Expense processing needs an internet connection. With your permission, recordings or typed notes and relevant budget context go through database to Manor Agent. database stores the resulting expenses and original transcripts. Manor deletes uploaded recordings after successful processing, but recordings awaiting attention remain until resolved or discarded. Google's retention is separate.

iPhone:

https://apps.apple.com/us/app/manor-voice-expense-tracker/id6804774330

Android, currently described as open testing:

https://play.google.com/store/apps/details?id=com.talktomanor.manor

Privacy:

https://talktomanor.com/privacy

Send me a DM with your email, and I'll send you the link to create your account. Thank you again!

This is the link if you want to read about it first. https://okaneoverview.com/

We built a personal finance tool with a bit of a twist 😂

Hey everyone! My partner and I have spent almost a year building our first app together, and we'd love to get some feedback from people who are interested in personal finance.

It's called Expense Roaster. You can upload receipts for free and have AI roast your purchases, or upgrade to upload entire bank statements, get roasted for your spending habits, and ask for practical tips to save money.

It also includes a monthly expense tracker that breaks down your spending by category, plus an optional annual report that summarizes your spending for the year, highlights where your money is going, and identifies potential savings, all with a little humour mixed in.

We wanted to make managing money a bit less boring while still helping people understand their spending habits.

Since this is our first app and we've put so much time into building it, we'd really appreciate anyone willing to give it a try and share honest feedback. We're still learning, and any suggestions would mean a lot!

Here's the link if anyone's interested: https://expenseroaster.com

Thanks for taking the time to read this! ❤️

Last year I did the math and realized around $90 (Rp1.5 million) was vanishing from my wallet every month. Not on anything big — just small stuff I never wrote down: snacks, coffee, random top-ups, a subscription I forgot. None of it felt like spending. All of it added up.

I built Poka for three selfish reasons: I'd always worked on backend and wanted to learn Flutter, so I needed a real project; I loved one clean expense app, but it had no receipt scan, no AI, no insights, while the apps that did felt clunky and full of friction; and I love open source.

What it does:

• Log expenses in seconds: type it, say it, or snap a photo of the receipt
• Ask the AI "where did my money go this month?" and get an answer in plain words, not a chart you have to decode
• Budgets, smart allocation, and shared wallets
• Multi-currency, net worth tracking, cloud sync

Open-core, and the honest split:

• Community Edition: open source (Apache 2.0), fully local
• Play Store version: adds cloud sync and AI features

Links: https://getpoka.app · https://play.google.com/store/apps/details?id=dev.octopy.poka

Today is the last day of our launch promo: sign up and Pro is free for a month, automatically.

Curious: what's the small expense that secretly drains your wallet? Mine was snacks from the minimarket.

I built this app invoicefairy has alot of features. I made it because i saw my dad struggling with stuff like this, so i thought why not make it easier for him. I would love feedback and if you guys could tell me what sucks
Invoicefairy.app

I work on PriorStates Studio, and we made a small free app called Portfolio. Disclosure up front: it's ours.

What it does: you add each account (brokerage, 401(k), IRA, Roth, 529, HSA) by hand or by taking a picture of the account page or statement. The app reads the holdings into an editor so you can check them, and then shows one total, today's change, a 30-day chart, and subtotals for retirement, taxable, education and health.

Why we built it this way: most aggregators want your brokerage login. This one never connects to anything, so there's nothing to link and nothing that can move money. The accounts live on your phone (and on your own computer, if you run Studio there).

How the values move, since people here will ask:

• Stocks and ETFs that are on our live price feed move with it.
• Funds that aren't (most 401(k) funds) move with a similar index and are labeled "tracks S&P 500" etc.
• Everything else keeps its statement value, labeled "as of [date]". Cash doesn't move.
• So it's an estimate between statements, not a replacement for them.

On the photo: the AI reads the picture to fill in the holdings. The app doesn't keep the picture and doesn't save account numbers, names or addresses (you can crop them out anyway). If you use the free starter AI, the photo passes through our relay to the AI provider we use; with your own AI key it goes to your provider instead.

Free, no account, no ads. Try it with example data in the browser: https://priorstates.com/palmtop/webapp/try.html?app=portfolio&lang=en. The app page is https://priorstates.com/palmtop/apps/portfolio/.

Feedback I'd find useful: which statement layouts it misreads, and what you'd want in the main view.

Hello folks,

Most personal finance and expense manager apps out there either lock their best features behind a premium subscription or track your transaction data to sell you loans and credit cards.

To solve this, I designed a completely free web utility called Monvael OS: (https://monvael.in)

It requires ZERO login or account creation. It functions with strict local storage compliance, so your financial memory cache stays entirely on your local device.

What you can do with it:

\\- Track daily personal/business kharcha across distinct category vectors (Rent, Groceries, Servers, Marketing, Wages).

\\- Calculate startup operational burn rate and runway metrics instantly.

\\- Set Maximum Allocation Threshold Caps on categories (it alarms you when you cross your set limit).

\\- Export structured CSV tax reports to easily hand over itemised lists to your CA for tax/GST deductions.

I built this as an indie developer project to give people an absolute utility tool without clutter or ads. Would love to hear your feedback on the features and what else I should add to make daily money management easier for you guys!

Check it out here:(https://monvael.in)

Most of what I've built has been for clients who needed something they couldn't find off the shelf. Some I built to run my own life the way I like to run it. SimpleHomeBudget is one of those.

Like most people, I live pay to pay whether I like it or not. But I've never understood why looking back at all the many ways I stuffed up was a good idea, or how it would help me make things better in the future. What I needed to know was whether my next pay would cover everything, where the shortfalls are, and what I can do to avoid them.

What I needed was this:

1. The ability to assign bills to paydays, so I knew in advance how much of my coming paychecks was already "spoken for", and how much I had left to do with as I please, if any at all.

2. Be able to see a big bill that could wipe me out coming, so I could start planning in advance how to split it across paydays, or know which ones I'd need to ask for extensions on etc.

3. To be able to see when I'll be in the clear again.

4. To get an idea of what my projected savings are likely to be if I stick to my plan, and see the medium to long term consequences if I don't.

5. To be able to set aside or earmark a certain amount each paycheck for my daily expenses, and see how much I can spend each day based on how much I have left for daily expenses and the number of days I have left for the next paycheck.

6. I didn't want to have to connect my bank account either, and so many budgeting apps make you do that.

I know I'm not going to out-market the competition. I don't have the budget or the resources. All I can hope, is that others find the way I like to manage my money useful too.

I'd love to know if "budget by payday" make sense, or if it needs explaining, whether you'd trust an app more or less for not connecting to your bank, and of course if US$4.99/month or US$41/year is about right for something like this.

https://www.simplehomebudget.com/

Hi everyone, I've been working on a replacement book keeping and personal finance app for myself.

I used gnucash, wave, and others for a while but never found something that fit with the UX I wanted for personal finance so I built this: Chord Finance.

It just launched in beta this week, I'd love to hear your feedback.

Hi r/PFtools, I’m the solo developer of Faro, sharing it here per the once-per-quarter rule.

What it does

Faro puts budgeting, investments and net worth in one app, and your financial data stays on your iPhone. There’s no bank connection, no account to create and no ads.

Getting your data in

Type it in plain language: “groceries 42” fills in amount and category

Scan a receipt, read on-device (the photo is never stored)

Import your bank’s CSV or Excel export, with a review step before anything is saved

What you get out of it

Safe-to-Spend: what you can spend today, with bills and savings already set aside

Recurring rules for salary, bills and transfers, including skipping or moving a single occurrence

Subscription detection, with an alert when a price goes up

Portfolio (stocks, ETFs, crypto) with each holding compared against its benchmark

Net worth, cash runway, goals and an FI planner

Savings and investments count as allocations, not spending, so your savings rate is accurate

Pricing: free tier (50 transactions/month, 3 accounts), plus a Premium subscription with a 14-day free trial.

Link: https://apps.apple.com/app/id6761139890

There are short how-to guides on the site (https://farowealth.app) if you want to see how something works before installing.

Feedback is welcome, especially if you’ve moved from a spreadsheet or another app: what would you need to switch?

I’m building a Compound Interest Calculator with Simple and Advanced features/tabs. It would be available Offline and downloadable/web page launch-able offline from a link on your phone or desktop (local file).

Does anyone have an interest in this?

I’ve had a few apps from iOS but at some point they get delisted and I lose access to be able to use the app. Super frustrating.

Click an upvote or comment if you like this idea.

THANKS FOR THE FEEDBACK.

Try the Beta APP here, feedback appreciated!

https://claude.ai/artifact/KzCzXHTV5U1So5m4ujfGu3

Hi, I made a simple single-page tool that computes portfolios return / performance (TWR and XIRR), gross and net of fees and tax. It requires logging all transactions. It's client-side, with no accounts, and data lives in the browser localStorage:

https://returnledger.site

It started as a personal tool . I wanted a way to understand what was the return of my portfolio and of a tenanted rental property (XIRR).

The experimental part is an import: you upload a broker's trade notice PDF and an LLM proposes one ledger row, which you confirm. It solves a problem I had: understanding my bank's documents, especially for bonds, at least here in Italy, where there are multiple numbers to add or subtract to get the real return.

It's an alpha. I've only tested it on real documents from one Italian bank (about 40 notices, all correct on the first attempt) and on a few synthetic ones from other countries, so I'd really like to hear how it does on yours.

Caveats: the PDF goes to the model provider and is neither stored nor logged by me. The AI import needs an access code, because I'm paying for the API calls out of pocket, so ask me by writing to [hello@returnledger.site](mailto:hello@returnledger.site) and I'll send one. The tracker itself works without it.

I'm looking for some feedback regarding AI interpreting other brokers' documents (no need look at sensitive information, though).

I work on finerd, so yes, this is our own thing. Funny part is I've always been bad at budgets myself. I'd start one on the 1st, go out to dinner somewhere around the 15th, watch the restaurant cell go red and that was it for the month.

When we started on the budget screen I kept thinking about that red cell. You put in how much you plan to spend this month, overall and per category, and the screen shows planned, spent and what's left. Each category has a bar that fills up, so you can tell which one is getting close without adding anything up. Transactions pull in from your accounts and get sorted into categories automatically, so you don't have to type in every coffee.

I run mine on Ramit's idea of cutting what you don't love and spending on what you do, so Fun is my biggest line after rent. The screenshot is September.

It's on iOS, Android and web, free trial and then paid. If you want to poke at it, it's here:

Curious how you all set yours up, a few big buckets or a category for everything?

You can pay every bill on time and still feel financially insecure. You can also save diligently while expensive debt keeps consuming the progress.

That leaves a harder question than “Am I sticking to my budget?”: What should the next available dollar accomplish?

Dave Ramsey’s Baby Steps give that question a clear sequence. Percentage rules give it broad targets. Both make getting started easier. But translating a guideline into a workable household budget requires another layer of calculation.

You need to know what you can actually allocate, which commitments need protecting, and how funding one priority affects the others.

1) Start with the money genuinely available. Account for essential spending, required debt payments, and contributions already coming out of your paycheck. Otherwise, it is surprisingly easy to allocate the same money twice (or build a plan around a surplus that doesn’t exist).

2) Protect the foundations before accelerating progress. Necessary expenses and minimum payments come first. A starter cash reserve provides some protection against immediately borrowing again. Employer matching of retirement contributions (think traditional 401K) deserves explicit consideration, and necessary goals with approaching deadlines can require attention before a normal repayment sequence would reach them.

The purpose is to make those tradeoffs deliberate. Bringing a necessary expense forward can mean paying more debt interest; directing everything toward debt can leave another commitment unfunded.

3) Turn goals into monthly funding requirements. “Build an emergency fund” and “save for retirement” are intentions. A budget needs amounts. Existing balances, target amounts, remaining time, and applicable assumptions determine what those goals require each month.

Then compare those requirements with available income. If they don’t fit, something must change: the contribution, deadline, spending plan, or goal itself. A useful recommendation should show that shortfall.

4) Keep the plan sustainable. Everyday spending needs realistic room. A plan that depends on maintaining a level of deprivation you cannot sustain deserves reconsideration, even if the arithmetic balances.

Finally, repeat the calculation as your position improves. Paying off a debt changes available capacity. Reaching a savings target changes what still needs funding. A raise or a new obligation changes the balance again.

That continuing calculation is where a tool becomes useful.

I’m Patrick, founder of Expense Atlas. Its Personalized Budget uses your financial inputs to calculate recommended monthly allocations across spending, debt, emergency savings, goals, and retirement.

It preserves funding priorities, checks what fits, and evaluates feasible ways to allocate the remaining money across competing objectives. You can review the recommended amounts and visible tradeoffs rather than reconstructing every calculation yourself.

When your inputs change, you can recalculate the recommendation and review how the allocation changes. You retain control over accepting a revised budget.

The recommendation balances priorities within its assumptions and constraints; it does not guarantee the best financial outcome.

When you have money left after necessary commitments, what makes deciding where it should go hardest?

I’m building an app called Stratos around a simple question:

After I pay for the things I need, how much money can I actually spend without worrying about it later?

Stratos helps you keep track of things like money coming in, bills, everyday spending, and what you want to save or set aside. It then gives you a simple Safe-to-Spend number.

Interested?
https://stratos.kapexlabs.app/testers

I’m looking for a small group of people to try it and tell me what makes sense, what feels confusing, and what you’d change.

You do not need to know anything about budgeting or have used a money app before. In fact, if you’ve always found budgeting confusing or intimidating, I’d especially like your perspective.

The test will run for about two months, but you do not need to use Stratos every day. The idea is just to use it naturally as you get paid, spend money, and pay bills.

You also don’t need to use real financial information.

You can use rounded or made-up numbers if you prefer, and connecting a bank is optional.

I’m not looking for perfect reviews. Feedback like “I don’t understand this,” “I expected something different,” or “this was actually helpful” is exactly what I need.

If you’d like to try it:
https://stratos.kapexlabs.app/testers

I’m keeping the first group small so I can actually pay attention to everyone’s feedback.

I was looking at different finance and expense-tracking websites and came across this one called GaniBook.

It looks pretty useful if you're someone who wants to keep track of your money without making things too complicated.

Here are some things I noticed while checking it out:

• You can track your daily expenses, salary, and other income.
• You can manage multiple bank accounts and keep track of your balances.
• It has separate options for money you lend to someone and money you borrow from others. You can also record repayments.
• It shows your expenses, income, monthly cash flow, assets, liabilities, and net worth.
• You can set budgets and savings goals.
• It has options for managing loans, EMIs, recurring payments, and bills.
• You can change the currency based on your country.
• It supports both Indian and international number formats. For example, ₹1,00,000 or ₹100,000.
• You can manually enter your transactions, so connecting your bank account isn't necessary just to record your expenses.
• It is available on the web, Android, and Windows, according to its listing.

What I found interesting is that it doesn't focus only on tracking expenses. It also includes things like money lent to friends, borrowed money, loans, bank balances, and net worth in one place.

The interface looks clean from what I've seen, although I haven't verified how every feature works in actual use.

One thing to check before using it is the pricing, especially how long the free access lasts. I'd also recommend checking its privacy policy before entering personal financial information.

Website: https://ganibook.com

Has anyone here tried it? How does it compare with other personal finance trackers?

Disclosure: I'm associated with this project, so this isn't an independent review. I'm sharing it to get genuine feedback.

Hey everyone! Over the past few weeks, I set out to build a clean, production-ready personal finance and expense-tracking app from scratch. I wanted something modern with zero ads, zero forced cloud accounts, and 100% offline privacy.

The result is Folio.

Key Features:

1. 100% Offline-First & Private: All data stays locally in a Room SQLite database on your device. Zero telemetry, zero SMS reading, zero cloud servers.

2. Material 3 Design: Light, Dark, and AMOLED Black modes with 6 selectable accent color palettes and Material You dynamic colors.

3. Advanced Accounting: Full support for multi-account tracking (Cash, Bank, Savings), Credit Card statement cycles (1–31 days) vs unbilled spend & 1-bill settlements, linked Debit Cards, Split Transactions, and Refunds.

4. 5-View Home Ledger: Switch seamlessly between Daily, Calendar, Weekly, Monthly, and Summary views.

5. Analytics & Budgets: Interactive Donut charts, 6-month historical trends, category drill-downs, monthly budgets with threshold alerts, and tag/payee rankings.

6. Data Portability: Portable .zip backup/restore and Excel-ready CSV export using the Android Storage Access Framework.

7. Security: Optional Biometric / Device PIN App Lock on startup.

How to Try It:

GitHub Repository (Open Source): https://github.com/sivask-lab/folio

Direct APK Download: You can download the signed v1.0.0 release APK directly from the

https://github.com/sivask-lab/folio/releases/download/v1.0.0/app-release.apk

Thank you so much, and I hope it helps you track your finances smoothly!

Hey everybody, I initially started out looking into different budgeting tools that were available and was quite dissatisfied with the offerings so I searched reddit and the second comment suggested using Google Sheets. I did for a while, and even used Gemini to integrate with it but the process was tedious, prone to issues and inconsistencies.

So I went ahead and created a secure web app that only takes the minimum amount of data to provide features such as a transaction ledger, classification, spending insights, and setting a budget. Unlike other apps such as YNAB, there is no bank integration. You work with the data that you provide.

You might be asking

>how much?

It is completely free to use right now while it’s in active development. My goal is to polish this into something that helps people build great financial habits and gain real clarity over where their money goes. Down the line, if infrastructure costs grow, I may introduce a reasonable paid tier.

Give it a try and let me know what you think!

https://pyramidbudget.com/

Free, multi-person/household budget & debt management app I made (solo dev) that’s privacy-first and simplistic. No bank logins, ever, by design.

Set your budget period, automate your recurring charges like subscriptions & debt payments, manually log the rest.

Logging manual daily spending brings spending to front of mind. Most apps do a “set it and forget it” method of linking financial accounts and give you a month end summary. By then, it’s too late and the money is gone.

Currently live on the Apple App Store, I’m looking for Android users to help test before go live. If interested in Android usage, please reach out to me via solventapp.co/contact.

Apple link on the website:

https://solventapp.co

Open to any and all feedback or enhancements!

If you’re looking for a money app without another monthly subscription, check out Eva ur Money Buddy. At AUD $1.99 for a perpetual licence, it looks like great value.

A few things stand out: support for multiple jurisdictions and languages, a focus on privacy, and a check-in feature for the anxiety that can come with money worries. That last feature is a thoughtful addition—managing money can be as much about how you’re feeling as the numbers.

For the price, it’s a pretty appealing package, especially if privacy and avoiding recurring fees matter to you.

i just need a spreadsheet that works on my phone better than the excel and google sheets apps

Disclosure: I'm the developer.

I used to export my bank statements to a spreadsheet and draw a Sankey by hand each month, because no budgeting app showed me the flow from income to every category. So I built one around that picture.

What it does: Upload a bank statement (PDF) and each transaction is sorted into a category automatically. No bank login or account linking.

Each month becomes a Sankey: income on the left, categories and items on the right. Optionally, last month's leftover flows in as carryover and what remains becomes your account balance (the image above).

Transactions list where you can recategorise any single payment

Spending views (trends, monthly, daily, breakdown) and budgets, with suggested amounts based on your past months

Range view: 1, 3, 6 or 12 months at once

English, Spanish and German

Pricing: free tier; Pro is $6.99/month. New accounts get 30 days of Pro, no card needed.

https://clearcashapp.com/?utm_source=reddit&utm_campaign=pftools

I'd really value feedback from people who already track their spending: what's missing, what's confusing, and whether the Sankey view is actually useful month to month.

People what do you use for tracking all your investments and expense at one place.

I use bank apps, 1% club but it's not that convenient. Plus there's always something/other that's breaking.

What do you use!

Yes, yet another budgeting app, but mine have a different spin.

It's fully offline (verifiable, no internet permission) and uses any app notifications as the source of transactions.

Then you set up your budget to get notified if you spent too much. Simple and effective. You set up once and it works for you in the background.

And it's not AI generated. I've worked on it for 2 years in my spare time after a normal software developer job.

It's free and without ads. Check it out here:

https://play.google.com/store/apps/details?id=pl.geckobudget

PS. There is no ios version because it has many limitations and notifications access is not possible at all.