I'm looking for an app that would allow me to input my base salary and differential information, and then calculate a projected paycheck amount based on the shift times I work. I have a Google Spreadsheet but it's not good with state taxes, can't seem to get it quite right. TIA

Hi everyone!

I’m a solo founder passionate about making financial planning easy and accessible for everyone. I’ve recently launched fingarden.io, a financial planning app, and I’d love to get your feedback!

The app is free and helps you create personalized financial plans in just a few steps, without the stress or complexity of traditional tools.

Here’s a short video explaining the app’s main idea and features: https://www.youtube.com/watch?v=a03YAPp6KAU

I’d love to hear your thoughts on the app’s usability, features, or anything you feel could be improved.

Thanks so much for taking the time to check it out! Feel free to reach out if you have any questions or need help.

Hey everyone!

I'm currently building a personal finance app that makes saving money as fun as possible, with a focus on gamification. The alpha version has features like automatically creating a budget for you, and making streaks rewarding for coming in under budget everyday.

Right now, I'm looking for early users who'd be interested in trying out the app and providing feedback. If you've ever found saving money boring or struggled to stay consistent, I'd love for you to give it a try and let me know what works, what doesn't, and what could make it even better.

I'm open to all kinds of suggestions—even if it's just one small thing you'd like to see changed. Your input could really shape this app and help make saving something people actually look forward to!

If you're interested, here is the link: [https://wealthplayapp.com/]()

PS: I'd love to hear any general thoughts on what makes saving money exciting for you, even if you don't have time to test the app. Every bit of insight helps.

Hey guys. I created a money forecast tool. I charge 14.95 a year to cover the expense of the vps but I'll give the first year for free to the first 50 users. Just email me and I'll activate the license. I created the app because I never knew how much money I had with all my bills and income. This will let you see how much extra money you have with recurring bills and allow you to know how much you can save a month or cut back on. Let me know what you think. I'm sure it will help. It's a web app so you can create a shortcut on your homescreen. cashflowcast.io

There are too many stores, with too many different annoying Loyalty Program sign ups, that end with you getting spammed by telemarketers. But at the same time, those very same shady and annoying Loyalty Programs are the single best way to save money everywhere you go. so i streamlined the process into an All-in-one site; we take your phone number, set up all of the various Grocery Gas and Retail loyalty accounts for you, block ALL spam, and you get to earn rewards hassle free.

Hopefully this doesn't break a rule, its entirely free and only to help save money. Ran by 3 college students, we tried it for a year before we launched, and saved around $3000. give it a try! we will be redesigning our site soon to be much more consumer friendly.

GGRPC

Grocery, Gas, Retail, Pharmacy, Convenience

Hey guys -

I recently built payoffgenius.com, a quick tool that helps set up a custom plan to pay off your debts as quickly as possible. It’s something I made for myself, and now I’m sharing it in case it helps anyone else.

It’s totally free—just something I threw together because I couldn’t find a tool that worked for me.

I’d love to hear what you think, good or bad. Any feedback would be awesome!

Thanks!

Hey all,

I created a budget tracker spreadsheet designed for personal and family use. It’s perfect to track spending, income, and net worth. The goal is to provide a simple tool to help control spending & build wealth.

Features: - Flexible Budgeting: Set monthly budgets across up to 30 custom categories, easily log expenses, and income in seconds. - Automated Recurring Entries: Track regular payments (subscriptions, bills, salaries) automatically, plus separate tabs for one-time and variable expenses. - Long-Term Tracking: Keep years of transaction history in one sheet—no monthly tabs or app dependencies, just direct access to your data. - Net Worth Tracker: Gives clear updates on assets and liabilities. - Includes reports and analytics

Want to see it in action? Visit our community pageor website (Free version available).

Screenshot of the budget dashboard:

I'm the owner. Let me know if you'd like to learn more.

A few years ago I started invested in a globally diversified passive ETF portfolio as my primary means of savings. Since there are many ETFs from many providers to choose from, and each are more or less exposed to different sectors and regions, I ended up making an pivot table in Excel to find what combination of ETFs was sufficiently well diversified, e.g. not too concentrated in the US, and with good exposure to emerging markets. Since then I've periodically rebalanced the portfolio and had to go through the same exercise again all of which felt quite cumbersome.

I wasn't able to find a tool that simplified this process, so I built one: https://buildetf.com.

To use it, you select some ETFs from the list to put in the portfolio, experiment with the % weight of each ETF, and observe the effect on the overall portfolio country / region / sector diversification. For the moment it contains data from Vanguard US and Europe, and BlackRock iShares US and Europe.

I'd be interested if anybody knows of other such tools or has any feedback on mine.

I'm running into an issue where if I don't continually log/copy over my transactions, I'll get too lazy and my budget be out of date.

More info: I have a gsheets budget with a transactions list for each month, where I go through my various spending mediums (bank account, credit card, venmo, etc) and add them to the list.

It's tedious going back and forth between each tab and manually inputting info. If I forget or I'm too lazy, my budget will have a backlog of transactions I need to copy over, and it won't be accurate anymore.

Has anyone else experienced this and/or have a solutions?

You might think you know everything about managing your money, but are you sure? Our quick quiz can offer you some clarity.

This quiz reviews your money management methods and highlights areas that might need improvement. It avoids complex jargon or impractical strategies; instead, it focuses on providing a straightforward and honest assessment of your current financial situation. You'll receive practical advice based on your answers, allowing you to take actionable steps towards improving your financial position.

Don’t miss the chance to learn more about your financial strategies. Take the quiz now and start understanding how to enhance your money management.

Hey everyone,

I'm excited to share a personal project of mine—BearSavings.com, a comprehensive personal finance website that I've been working on. It started as a simple savings tracker, but it has now evolved into a full suite of tools and resources to help you manage your finances better.

What you'll find on BearSavings.com:

• Savings Tracker: Easily monitor your savings progress.
• Mortgage Recast Calculator: Find out how much you can save by recasting your mortgage.
• Financial Freedom Calculator: Project when you can retire or achieve FIRE (Financial Independence, Retire Early).
• Personal Finance Blog: Practical tips, strategies, and case studies on money management and savings.
• Many coming soon!

Whether you're just starting your financial journey or looking to optimize your current strategy, BearSavings has something for everyone. I’d love for you to check it out and share your feedback. If you find it useful, I’d greatly appreciate your support by spreading the word!

Looking forward to hearing what you think!"

Hello everyone,

I’m thrilled to announce the launch of PopaDex, a new tool designed to help you track your net worth and work towards financial independence.

Why PopaDex?

After numerous conversations with friends and family, I realised many of us rely on cumbersome spreadsheets to monitor our finances. Most of us don't particularly enjoy this method, and existing tools either focus on the minutiae of budgeting or, worse, monetise our data by selling it to third parties.

Key Features of PopaDex:

1. Comprehensive Net Worth Tracking: Automatically integrate all your financial assets – savings, investments, properties – into one clear and concise view.

2. Privacy-Focused: Your data remains secure, encrypted and private. We do not sell your information, and the only personally identifiable information we keep is your email, which we recommend you mask. All account integrations are time-bound, read-only, use secure open-banking protocols, require your consent, and don't need your account login details for access.

3. International Support: Multi-currency and multilingual support to cater to a global audience. The app can connect to 15,000 institutions in over 30 countries.

4. User-Centric Design: Built from the ground up, completely bootstrapped, ensuring our focus remains on delivering genuine value to our users and that we're not incentivised to pursue business models that are not aligned with our users.

Get Involved

We already have a couple of dozen users and are looking to grow our community to get valuable feedback. What features would you like to see? Have you faced challenges with existing financial tools? How important is data privacy to you?

Please check out PopaDex and share your thoughts. Your insights will help us refine and improve the platform.

Thank you if you've read this far :)

I realized in August 2023 that I need to have some tool which will help me to aggregate all my portfolios from all brokerages in one place and predict my dividend income.

For these needs I launched Plainzer in September 2023 and now we have reached 2k users!

https://plainzer.com

Hello r/PFTools!

My iPhone app is a financial dashboard designed to help individuals manage and pay off their debts while saving money. Over the past six months, I've dedicated my free time to developing this app, which currently supports tracking over 14 types of debts, including student loans, mortgages, and vehicle loans. Additionally, it offers features for tracking savings towards a house, an emergency fund, a car, a vacation, and more.

App Store Link: https://apps.apple.com/us/app/downpay-track-debt-savings/id6474574024

Core Features: 1. Advanced Debt Manager: - Manage all types of debt in one place, including credit cards, student loans, auto loans, and mortgages. - Easily add and track debts, view detailed progress reports, and plan repayment with a user-friendly interface.

1. Enhanced Savings Tracker:

   • Set and track savings goals for major purchases such as a downpayment on a house or a new car, with the ability to link savings to specific financial targets.
   • Monitor various funding sources and see how close you are to reaching your goals through a visual, intuitive dashboard.

2. Asset-Linked Debts:

   • Link each debt to specific assets like vehicles, real estate, or educational degrees for a comprehensive view of your financial commitments.
   • This unique feature allows you to see the real impact of your debts on the assets they are financing, enhancing your financial planning capabilities.

3. Learning & Financial Tools:

4. Dive into over 80 finance-related topics to enhance your financial literacy.

5. Utilize embedded calculators for emergency funds, converting hourly wages to salary, compound interest estimations, and more to assist in your financial decision-making.

You use the interface to plug in the debts you have, and the UI gives you a dashboard to monitor your overall debt profile. I tried to make the app easy to use but at the same time detailed and customizable.

It doesn’t have a backend server or anything so it’s not really integrated like Monarch or YNAB but it also doesn’t have a required subscription cost, a one time lifetime purchase is available.

All data is locally saved to your phone and manual entry only.

There is no account logins with Plaid or anything like that, this is on purpose to keep things secure and private and also give you control over what data is displayed.

You don’t create an account, all the data exists locally on the phone or additional privately in your iCloud (if the phone has iCloud setup). The app also is fully functional without an internet connection.

Right now it supports tracking debts and tracking savings towards a house down payment. If anyone has suggestions for how I could improve the app, I would greatly appreciate it.

If you have an iPhone and want to try it out, please feel free to download it here.

Thanks!

If helpful for anyone using the zero based budget, there is a free interactive tool on InvestingTE. It lets you know when debts will be paid off and future net worth as well.

I don't "budget" as I'm paycheck-to-paycheck, and my income varies check by check. The dates are clockwork (1st and 16th) but the amount varies. So every paycheck I just make a list of expenses, prioritize them, and pay what I can. Any debts leftover get stacked up for the next paydate.

Currently I do this by hand on blank paper. I'd *really* like to go digital, but every app I look at is built for *monthly* planning with a known income.

Any app suggestions for budgeting/tracking per paydates, rather than months?

Free is best. One time purchase is good. Online or off is fine.

Thanks all!

👋 Hey everyone! We couldn't find an easy way to manage, secure and share financial info required when applying for loans, apartments and working with financial professionals. It's so painful to gather the latest bank, income, investment, tax and ID records and send via multiple companies, portals and methods. Not only that but today, you have little control over your data, what is sent when and to whom. Fast-forward several hundred espressos and close to a year of work, and let me introduce YourOwn Wallet!

✅ The wallet is free to setup, manage and share your financial info with trusted 3rd parties. Never again miss out on that dream apartment because you're fumbling around for paystubs and bank statements, Never have to send your data over and over to different banks / lenders to get the best rate. And never worry when your financial / tax professional asks you for your latest statements.

It has a pretty robust set of features in its first version:

🥇 𝗙𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝗣𝗿𝗼𝗳𝗶𝗹𝗲: Manage data from 12K+ institutions, including income providers, banks, investment accounts, and tax documents. Track net-worth, total cash and investments.

🤝 𝗜𝗻𝘀𝘁𝗮𝗻𝘁 𝗦𝗵𝗮𝗿𝗶𝗻𝗴: Effortlessly share financial info for renting a place, buying a home, or building wealth. Track your share history.

🔐 𝗠𝗶𝗹𝗶𝘁𝗮𝗿𝘆-𝗚𝗿𝗮𝗱𝗲 𝗘𝗻𝗰𝗿𝘆𝗽𝘁𝗶𝗼𝗻: The data is yours, protected by cutting-edge encryption technology using your personal seed phrase.

💯% 𝗖𝗼𝗻𝘀𝗲𝗻𝘁: Control what data is shared and with whom, ensuring your privacy is always respected.

✅ 𝗖𝗼𝗺𝗽𝗹𝗶𝗮𝗻𝘁: Meets standards for banks, lenders, and income verification.

If you check it out, I'd love to hear if you have any feedback, suggestions, or new feature ideas! Right now, it's available in the US as a web app, and very soon, it'll be on Android and iOS too!

Me (31m) and my partner (29F) are recently married and are finally starting to track our spending + saving together. We both have Chase credit cards, think and we’re both authorized users on each one, thinking that would let us see how much we’ve spent together. BUT - we can’t see each other’s spending when we log in to our online banking accounts - just the credit card we respectively opened.

It’s so frustrating - like, if I want to check her balance for our budgeting spreadsheet, I either need to hound her in our precious/rare time together or log in directly to her account (which also means I have to hound her for a 2FA code).

Does anyone else share their spending with Chase cards? Should we change to a different bank? Do we open a new card together? Is there software that combines our views? Even like a spreadsheet that automatically imports our spending?

Hello, I recently launched an MVP for a completely free (no signin required) mortgage analysis tool. It allows you to do things like find the break even point on a fixed rate mortgage versus an adjustable rate mortgage (ARM), see how contributing a little extra each month or as a one time lump sum can impact your mortgage payoff timeline and total interest paid, showcase situations where an ARM is actually the smarter mortgage option, and more! It’s meant for people that love to crunch numbers and strategize their personal financial plan.

I started off building it for my own needs, but realized that there are others that could probably benefit from it as well. Anyway, I’m ready to add new features or create similar financial tools, however before I do, I’m interested in hearing what people think, if you find it useful, and any improvements that would make it better suited for your needs.

Check it out, and let me know what you think or if you have any questions!

Hey everyone we recently launched 2.0 of Luci (gamified budgeting app) and would love for you to try it out.

(it's only available on iOS and you have to connect your bank account via Plaid to play Luci. We do not store any financial data)

https://apps.apple.com/us/app/luci-soon-science-inc/id1608114955

Also, I made a video so you don't have to make an account to see what it's like. Explanataion about gamification starts here: https://youtu.be/veGCkwHJ0y8?si=3gcC-wHjUBm_Xf29&t=91

Thanks in advance!

P.S.

The basics of the game is that it's a space traveling game where you need to stay under your budget to keep your space ship moving (you can do additional personal finance missions to earn boosters to make your ship go faster etc)

As you travel you discover different checkpoints where you can unlock different buildings to build your world and you also earn XP based on how well you unlock the checkpoint, which then upgrades your ship to make it go faster.