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Show HN: Trackm, a personal finance web app (trackm.net)

21 points by iccananea ↗ HN
I built this as a personal finance app that allows me to see how my recurring incomes and expenses will affect my network over the years.

So trackm can show up to 4 years in the future and track when your accounts will go negative given you expenses and incomes.

I've been dogfooding it for the past 10 days, fixing issues I find from my day-to-day use and now it's at a point where I'm comfortable sharing it with others.

The app is free for 30 days, after which it goes into read-only mode. Paying the one-time license fee unlocks it forever.

10 comments

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deweller
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?

mpbart
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
amrawad
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.
furyofantares
> I've been dogfooding it for the past 10 days

Must be ready to go then

cadamsdotcom
I’m really sorry but anyone can vibe a personal finance app in 2026.

Monetizing this is going to be challenging.

mzelling
The privacy angle is interesting. I'm curious how people view the pricing strategy of taking a one-time payment for lifetime access. My first thought was that it encourages the developer to focus more on recruiting new users rather than keeping existing ones happy - makes me wonder what will become of the product if new user growth stalls.
jontycollins
Really strong effort. A lot of useful features that I'm looking for in budgeting apps. You've obviously gone for a privacy feature as its selling point but how is the encryption different to anything else? Surely every finance app has a strong encryption?