Lunch Money Blog

First, I'll say +1 to the other commenters here encouraging you to develop the idea on your own first before trying to bring in other people.

But let's say you're going to ignore all of that and still try to find a partner first. Your advertisement gives me zero confidence that you have an actual business here. Your idea is: a personal finance budgeting tool, but "fun and easy to use" and based on how you personally manage your finances. I have so many questions! And as a former Product Manager you should have answers:

• What specifically is wrong with existing personal finance tools on the market? What is the killer feature that makes yours better? Have you tried https://lunchmoney.app/ ?

• Let's see those wireframes! User journeys! Something! Right now I'm left with the assumption that you've sketched out some login dialogs and a transaction list but haven't thought beyond that.

• Where's your user research? If you're looking for a cofounder, that implies that you have a thing that needs to be built. Do you know what that thing is? Have you validated with real people that this is a real problem they have? How many user interviews have you done? Again, my assumption is that you've done none of this.

• What will be your role in the business? How do you propose that you earn your 50% of the equity? Remember that "idea guy" is worth nothing... you need to bring sales chops, key relationships / industry credibility, recruiting ability, investment money, or some combination…

> A while back there was a tread in here where someone had an inexpensive one-time license mac software, but I cannot find it.

I think you are looking for https://www.banktivity.com/

It feels a lot like Quicken which isn't a paradigm that works well for my brain and I moved to https://lunchmoney.app + a small app that consumes the API, does some transformations and exposes to Google Sheets' =IMPORTDATA formula.

This gives me: * full featured transaction syncing that I don't need to worry about * a nice UI for bulk editing, tagging, etc. * a programatic way to perform transformations and add features Lunch Money doesn't have: I like to use categories and tags in concerts to give me per trip breakdowns of expenses by category of my travel * the flexibility of a spreadsheet for reporting and quick iteration.

A very new player that I haven't tried fully yet is https://finwiseapp.io/

I’m Canadian and have been using https://lunchmoney.app/ for tracking with Plaid integrations.

They have an api and I got llm to write a CLI for it.

That way agent can pretty much pull the data it needs or wants.

One thing I also had it do is build up a series of rules for tagging which then I run a cron for once a day.

Every once in a while I just ask it to look over the rules and make new ones for uncategorized transactions.

(As a side note I think having LLM “memoize” a task through a rule engine or code is really nice pattern)

But once you have the cli with query you can pretty much ask the agent to do anything.

I used to track everything in a spreadsheet manually and early last year finally found time to turn it into an app which pulls in my credit card transactions automatically. I still input lots of expenses manually since I'm living in a primarily cash-based society and it works great for my needs.

Not sure what your idea of "sophisticated" is, but it's definitely the opposite of a terminal-based app. It's built on a modern web stack and it's called Lunch Money (https://lunchmoney.app)!

Another option in this space is Tiller (https://www.tillerhq.com/). They seem well-established, and offer some spreadsheet templates for plug-and-play solutions to some common budgeting scenarios.

If you don't care about spreadsheets specifically -- if you're just looking for scriptable access to your financials -- Lunch Money (https://lunchmoney.app) has a public API. They'll also be opening the beta of rollover budgeting any day now, which has me excited!