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Comment by deweller | Hacker News Reader

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?

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actual budget something similar from what i can see via SimpleFIN Bridge (https://actualbudget.org/docs/advanced/bank-sync/#supported-...)

Actual Budget is incredible. Happy (now free since it's gone FOSS, formerly paying) customer since migrating from YNAB4 ~ 3/4/5 (?) years ago.

As a few others have said Plaid is actually rather cheap if you only have a handful of accounts. I created my own personal finance tracker when Intuit Mint shut down and Plaid costs me $1.80 per month for all my linked accounts which feels very reasonable to me

Check out Lunch Flow, that's the exact reason I built this :) we Aggregate multiple providers behind a simple api for global coverage, and with a pricing friendly to individuals not businesses.

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.

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).

https://teller.io/ has been on my radar to play with

I thought Plaid have (had?) a developer account that could connect something like 100 accounts that was free.

GoCardless might be an option, at least for OpenBank (UE/SEPA), no idea for the USA though...

I think GoCardless stopped accepting new accounts recently, which makes it a bit harder to rely on now.

Feels like the options for EU/SEPA are still pretty limited. I’ve been looking into alternatives as well, curious if you’ve found anything that works well also?

So far GoCardless works for me, maybe they still kept old accounts. I've heard of https://enablebanking.com but never tried them. I know also:

- https://www.saltedge.com

- https://www.fabrick.com

- https://www.bridgeapi.io

but they do not offer a free tier AFAIK

Otherwise, with the scraping approach Woob https://woob.tech/ (FLOSS) works well enough on some banks... It's damn absurd that banks and even supermarkets do not offer authenticated feeds for data export but that's is unfortunately...

Me personally I think banks do their best to push people toward cryptos only because of their crappy services... Even the worst CEx offer better data access the banks...

Yeah GoCardless still works, just not for new accounts sadly.

Feels like the options are still pretty limited unless you go paid/enterprise.

Woob is interesting, but scraping always feels like a ticking time bomb.

Thank you for the suggestions!

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