Show HN: BudgetDuo – Easily determine your share of household expenses | Hacker News Reader

Show HN: BudgetDuo – Easily determine your share of household expenses

budgetduo.com

18 pointshursey01329 comments

I’m curious about how many people use each method. The 50/50 split seemed like the clear choice for me. Can anyone share their reasons for doing the proportional split? My expenses are things where we both agree about it and decide on our own about if we could individually budget it. Certain things that are more “for” someone become proportional, but those are always one-off purchases.

I was jotting this out on paper this week actually. Especially the 'based on income' divide is quite usefull. My significant other is studying and hasn't enough income currently to reach the 50-50 split. This is pretty nice, and will definitly give it a apin!

I make way more money than my partner and doing a 50/50 split would be really hard for them to swing each month.

You could always just live to the standard of the least income, and save money. It's what I do and has proved to be great since no matter whom is working, the finances are covered.

I would love to do this, but in areas with a high cost of living it's not always possible.

As others have mentioned, we use the income based split because of disproportionate salaries. It lets us know that we are both chipping in for household expenses while still having some money leftover in our own accounts for personal spending.

Simple, easy to use, and useful. Nice work. It would be very interesting to see stats on how couples choose how their bills are divided.

Thanks, and I agree, being able to gather some high level insights would be pretty interesting - perhaps something I can look into once the sample size is large enough.

Just in some of the initial feedback I've received it's been surprising to hear how passionate folks are about the different approaches - it is definitely not a one-size-fits-all type of situation. Ultimately folks should do what works best for them, my hope is the BudgetDuo will provide a bit of insight to help make some decisions.

Simple idea, and yet useful for those that need a dashboard to manage the day to day expenses that people generally not find the time to do otherwise.

Thanks for the kind words!

Wouldn’t a spreadsheet program be easier and would not require trusting a third party with data about your income and your expenses?

Especially since you might want to revisit the same sheet over time to add or remove people, add or remove expenses, or change the weighting, specifically without needing to store that data with a third party or maintain a separate sign-in credential to access a history of data.

You're thinking about this from the perspective of a developer, rather than the population at large. Suggest building a spreadsheet to one of your non-technical friends or family for something like this and you'll get a blank stare.

My non-technical grandparents use Excel for tracking expenses. Yeah, they couldn’t do complex formulas or macros, but that’s irrelevant.

Using basic spreadsheet software is at least as ubiquitous as owning a home PC in the US. You can assume pretty much everyone can work their way through it, maybe with some help.

Meanwhile, you could easily argue that filling in the same data in a web form via a browser would be less intuitive for many people.

And regardless of which is easier, keeping the data private is clearly a priority.

Yet despite all of those arguments, there are many budgeting or expense tracking "apps" (of the non-spreadsheet variety) out there that are popular, some of them massively.

Analogy: with a little time and some equipment, practically anyone could learn to DIY their own oil changes, yet very few do.

I doubt the existence of apps has much relationship to whether people are capable with a spreadsheet, and it also doesn’t control for whether a person who finds spreadsheets difficult would also find an app or a web form difficult. If someone is just trying to avoid tech generally, apps vs web forms vs spreadsheets aren’t going to matter, and to anyone else, decades of ubiquity of using spreadsheet software for badic things would favor spreadsheets. Heck, even a lot of high schools teach basic personal finance using Excel and have been since the 90s (my extremely poor rural public high school was doing this in 1995 for example).

Also the top expense tracking app by number of users appears to be Mint (which claims somewhere near only 20MM users), which involves a great deal of data sharing and privacy questions. If we require a solution that keeps expense data private, it would shift a lot of favor to spreadsheets.

Your analogy only holds true if it is difficult to use a spreadsheet for adding and subtracting numbers. That's clearly false. Spreadsheets were the very first "killer apps" of computers for the precise reason that they are easy to use.

So many people use spreadsheets today. What are the non-spreadsheet budgeting or expense tracking apps that are highly used?

Spreadsheets used for calculating expenses were around long before computers.

I've used a spreadsheet with the same basic functionality as this for years and it worked just fine. The main problem with it was when folks asked me to share it with them the spreadsheet wasn't exactly user friendly. Putting it in web app form makes it easier to identify which fields are meant to be edited and ensures that the formulas aren't accidentally changed.

The web app can be used without an account just to experiment and plug some numbers in. My hope is that it can still be useful to folks that'd prefer not to save their data just to get some rough insights and perhaps be a starting point for developing their own custom spreadsheets.

I’ve never had a problem sharing spreadsheets with non-tech family members, college rommates, etc. In fact, I’d go as far to say that with non-tech family, an app or web form would be significantly harder to explain to them. They’ve been using spreadsheets for so long, even people who rarely use computers, that it’s highly intuitive, and things that try to “simplify” end up being actually more complicated.

Not everyone is handy with spreadsheets. I'm really good with spreadsheets and a piece of me dies inside with each new one I create.

Not everyone is handy with mobile app interfaces or web forms, or feeling comfortable understanding whether their data is private.

It’s a bit of a convenient fiction to mentally picture people struggling to type something into a spreadsheet, while happily swiping and tapping through an app, but that’s not realistic.

Spreadsheet workflows for personal budget, taxes, holiday shopping, etc., has been ubiquitous for a long time. It’s an interface people understand, regardless of being “a wizard” or not.

It’s at best naive and at worst myopic to think that slapping a few things into an app or a web form actually constitutes something “easier” or “more intuitive” than something which has been a household staple of software for several decades.

In the weeks since launching BudgetDuo, the percentage of users visiting the site from a mobile/tablet device outweighs those visiting from a desktop. Maybe folks find spreadsheets intuitive, but I'd disagree that trying to navigate and manipulate a spreadsheet on a phone is a better user experience than using a responsive web app designed with touch interfaces specifically in mind.

But that could easily just be a selection bias effect. It’s marketed as a web app with a mobile interface, so it self-selects for people who already prefer that, and it would be a potential usage confounder, and would especially skew age demographics (as would questions about data privacy).

Also it’s not clear if this is just general page views or account activity that actually engages the functionality. Pageviews generally wouldn’t matter because it would be swamped out by a prior heavily favoring the model that people prefer to browse the web on mobile devices, unrelated to what they prefer for other products or application interfaces.

For example, I tend to browse job sites on either mobile or desktop indifferently. But I would absolutely only ever apply when browsing from a desktop, because application portals are too variable and require me to verify things and read more closely.

Hypothetically, if someone looked at traffic data naively and saw it was “50/50” between desktop and mobile for some job portal, they might wrongly conclude they need to change the interface to support mobile differently, when really the difference is between cursory traffic that has no intention to apply (uses mobile device) vs. someone intending to apply and thus would not use a mobile device to do it no matter what changes were made to the job portal (uses desktop with strict desktop-only preference for anything involving e.g. resumes, cover letters, etc.).

From a statistics point of view I suspect that baseline traffic numbers contain nearly zero information about customer preferences regarding app vs web form vs desktop spreadsheet when they finally sit down to actually enter the data and maintain it across time.

The other thing is that I’d suspect weeks, or even months, worth of data would be far too little to draw any type of significant conclusion from for this type of usage question.

BudgetDuo is a joy to use and that's the key. Sure, you can make Facebook clone on google sheets, but no one will use it. It's not convenient fiction at all, it's much much easier to swipe and tap on a mobile app than to do work on a spreadsheet - who want's to do that?

Huh? After visiting the BudgetDuo site, I’d definitely say that a traditional spreadsheet is easier and more organized.

Even more important is that I know my data would remain private and I would not have to trust a third party like BudgetDuo to be a safe steward of any of the data about shared expenses.

Huh? You're in the minority here if you're saying that people would rather use a spreadsheet than web/mobile app. How can more than one person see or update their shared expenses if the Excel spreadsheet resides on your partner's computer? That doesn't sound easy to me.

Why taking the numbers before taxes?

Mostly for simplicity. Most folks can quickly tell you their annual salary, it would likely be more difficult to calculate their post-tax income. There is also the possibility that individuals may prefer to withhold more or less throughout the year depending on how they approach taxes, so that could potentially skew the numbers.

Ah alright. I pay nearly 50% taxes here in germany and it gets deducted from my loan before I get it, so it's probably a bigger deal here then elsewhere.

comparison of income taxes: https://www.csmonitor.com/var/ezflow_site/storage/images/med...

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