Show HN: Trackm, a personal finance web app(trackm.net)
20 pointsby iccananea11 hours ago5 comments
  • deweller10 hours ago
    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?

    • iccananea7 hours ago
      I am researching providers to be able to add account sync to trackm.net

      I haven't done it at first because

      (1) they all have monthly / yearly costs and I wanted a flat fee;

      (2) I can't update the account without the user having logged in because of how the encryption works.

    • thenews9 hours ago
      actual budget something similar from what i can see via SimpleFIN Bridge (https://actualbudget.org/docs/advanced/bank-sync/#supported-...)
      • pcchristie4 hours ago
        Actual Budget is incredible. Happy (now free since it's gone FOSS, formerly paying) customer since migrating from YNAB4 ~ 3/4/5 (?) years ago.
    • phoenixy19 hours ago
      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).
    • qntmfred9 hours ago
      https://teller.io/ has been on my radar to play with
    • benmanns10 hours ago
      I thought Plaid have (had?) a developer account that could connect something like 100 accounts that was free.
    • kkfx2 hours ago
      GoCardless might be an option, at least for OpenBank (UE/SEPA), no idea for the USA though...
  • furyofantares10 hours ago
    > I've been dogfooding it for the past 10 days

    Must be ready to go then

  • mzelling9 hours ago
    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.
    • iccananea8 hours ago
      That's actually a fair point, regarding the implications of a one time fee.

      Personally, I don't like subscription-based apps so didn't want to create yet another one.

      And I built this around my personal needs so I plan to support it indefinitely.

      Regarding long term improvements, there is a number of paying users that once I achieve, any new users are basically profit.

      The service was built to be cheap to run and maintain so I could charge a one time fee.

  • moelf10 hours ago
    any comparison with https://actualbudget.org/ ?
    • iccananea9 hours ago
      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.

  • cadamsdotcom9 hours ago
    I’m really sorry but anyone can vibe a personal finance app in 2026.

    Monetizing this is going to be challenging.

    • bsticks8 hours ago
      I've wrestled with this idea. Do you think the general population will all be vibe coding finance apps? I have to think that most will still just pay the big players.

      (I say this as someone who vibe coded a finance app, and it works!)...now I'm not sure what to do with it, it works for me - do I open it to the world or just keep making it great for me.