Hey HN!

I'm Stan, and I built Budgetist because I couldn't find a personal finance app that checked all my boxes: own my data, be able to express any transaction using a principled approach, use envelope budgeting for planning out my liquid funds, and track investments in their native units. Now, I'm also hoping to turn it into a successful small business.

Here are some of the key features:

- Local-first PWA - your complete financial history lives on your devices & the app can work fully offline

- Optional budget data sync between all user devices through our intermediate server

- Double-entry accounting - allows you to record any transaction accurately in a principled way

- Work equally well on web and mobile with full functionality - it can be added to the home screen on mobile and used as a native app

- Envelope budgeting – virtually allocate your real money to specific expenses or goals without moving it between accounts

- Multi-currency/asset support – track investments in shares, crypto, or any unit; no forced conversions to your base currency

- Flexible targets – set monthly budgets, date-based goals, or percentage-of-income targets

- Bank sync – through GoCardless (EU/UK) and SimpleFIN (US/CA)

- Plain text accounting export – export natively to the excellent (h)ledger CLI tool's format

- Full JSON export of the internal data structure

I know personal finance apps are everywhere, but most keep your data hostage, use a very limiting view of what "budgeting" is, can't properly handle investments, or can't express certain transactions (lending $100 to a friend is not an expense).

I'd love your feedback and I'm happy to answer any questions!

– Stan

Comments URL: https://news.ycombinator.com/item?id=45537796

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