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Exactly :-)

It's definitely punted for now as I continue to round out the product. When the time comes and we're ready for an official mobile offering, we'll evaluate the current solutions out there (the landscape is always changing!)

Thank you!

A quick answer to this is that 365 doesn't divide into 7 so cleanly. In any case, the use case for weekly budgets is definitely strong :)

Cool approach! Best of luck!

A very valid concern! Our Privacy Policy is listed here: https://lunchmoney.app/privacy

A promise we make from the beginning is we're definitely not ever going to be selling any of your data. We don't have an incentive to since we're selling the service directly to the user as a subscription.

Totally understandable that you'd like to avoid using services like Plaid. We have a lot of users who share the same sentiment, and also many international users who cannot use Plaid, so it's a priority to ensure the experience is without Plaid is still an enjoyable/practical one.

We offer two other ways to bulk insert transactions: 1. we offer a CSV import tool, and 2. we are currently beta-testing our developer API (so you could write your own integration with Chase)

Colin, that's awesome to hear! Thank you for your support from the beginning!

Thanks for the kind words! If you run into anything during your trial, feel free to let me know!

It'll always be a struggle but it's not something I'm actively pushing for anyone to do. If you're comfortable with it, great! If you're not, I think I'd be the last person to change your mind.

The company is definitely real, but anyone with at least a few hundred bucks can incorporate. Building trust is a non-trivial thing, and I try to do that by putting my name and reputation behind the product and blogging transparently about the journey.

Thank you for the incredibly kind words!

Thanks for the plug :)

Awesome! Thank you for your support!

Thanks for the tip! Great reminder that I need to be more mindful of these things.

Thanks for reading and I'm glad that bit helped you out! I was in my own head so much about the lack of mobile app and it was paralyzing at times. Good luck with your own product!

Thanks! In a year, the product will likely be more fleshed out, so it'll be a good time.

IMO, onboarding with YNAB specifically would take longer than most other budgeting apps, since on top of getting used to the interface, you also need to get used to their very specific method of budgeting. With Lunch Money, I've heard from users coming from YNAB that it's easier to get set up likely because we've approached organizing transactions and budgeting in a more pragmatic and flexible way.

Love to hear what you think when/if you ever decide to join Lunch Money!

Thanks for the kind words! And that's encouraging to hear seeing as getting to $1k was quite the journey to me!

Yeah, exactly. And running a payment through wouldn't have revealed anything since those two systems aren't connected.

I wouldn't go as far as to say "We" is a lie especially with malicious intent. In short, "we" can be an appropriate way to refer to a company as a whole. Btw this is a hotly discussed topic among solo founders (whether to use "I" or "We") so it's nothing you can be "wrong" about!

Thanks for reading and great point. I toyed with the copy here, too, but mainly it looked weird to have "About Me" on a professional landing page. Also I figured if they cared enough to know more about the company behind the product, I guess they'd found out soon enough that it's just one person behind it. If not, we can leave it at "Us"/"We" and keep it professional.

Guess it's a good thing I'm not calculating totals by hand within the app! :)

Haha thanks, great catch :) Just patched that up!

We don't support any saving goals right now, but we've gotten feedback that users want this. We do show you charts so you can easily compare your expenses vs your income.

The budgeting feature is on a monthly basis and you can choose which categories to allow budgeting and you'll be presented with charts showing you your spending habits vs budgeted spend to help you make your decisions.

Hope that helps, if you have any other questions or feature requests, my email is wide open :) (jen at lunchmoney.app)

Thanks!

The changelog is a manual effort right now :) Haven't felt the need to automate it or pay for another SaaS to handle it for me yet!

Based on your list of requirements (especially multicurrency), check out Lunch Money (https://lunchmoney.app) Disclaimer– I am the indie maker behind this :)

Founder of Lunch Money (https://lunchmoney.app) here! I encourage you to check us out– we aim to be that personal finance app that was built for the modern-day spender.

Founder of Lunch Money (https://lunchmoney.app) here– thank you everyone for the mention!

For those who haven't heard of Lunch Money, we launched originally on Show HN back in October 2019. I'm a solo founder and this is my full-time job. My motivation is to create a non-opinionated, delightfully simple to use personal finance tracker. We are a subscription-based service and I don't intend on ever selling ads. My intention is to keep this an indie product and continue improving for our small but growing user base.

If you have any questions, feel free to reach out to jen@lunchmoney.app

Founder of Lunch Money (https://lunchmoney.app) here– I encourage you to check us out! I'd like to think we're a more non-opinionated and simple alternative to YNAB.

Founder of Lunch Money (https://lunchmoney.app) here– I encourage you to check us out! We've got everything you're looking for except for #5 (forecasting) and our developer API is nearing completion and we'll be beta-testing that soon!

Founder of Lunch Money (https://lunchmoney.app) here– I encourage you to check us out! I started Lunch Money because I was also surprised there wasn't a modern-day competitor to Mint.

Hello, I'm the author here! I took some time to reflect last night on how I got to where I am today. Crazy to think that I started my first full-time job over 7 years ago. I'm happy to share the unconventional path my career and life has taken so far and maybe even inspire others to choose their own adventure.