This is a copy-paste from my Reddit topic. I was asked by the mods and some users to post a topic on the forum as well, since Reddit doesn’t have the same users.
Following on a very popular thread here I saw that nobody had a definitive answer as to how to manage finances if you don’t trust Mint, YNAB, and others. Some were using self-hosted apps, some — apps with a very outdated UI (e.g., GNU Cash), some — spreadsheet software which is arguably even worse than outdated UI.
I believe privacy and good UI/UX are not mutually exclusive. I make a PFM web app, and I want it to be both very privacy-friendly AND user-friendly. I know how to make it privacy-friendly: the app is and will always be open-sourced (GitHub), and it uses real e2e encryption for every meaningful bit of data. So the privacy is there.
But to make it useful and user-friendly I also need to know what requirements people have. I believe some potential early adopters may be here on this subreddit, so it would mean a world to me if you answered a few questions:
- how do you manage your finances now? Details would be super helpful. What do you track exactly (loans, mortgages, assets, expenses/incomes, etc.)? How often do you do it?
- are you satisfied with it? is there anything missing in your current solution?
- imagine there are no tech limits at all. What should the most perfect (like, 10 times better than anything available on the market) solution do?
I really appreciate any help It’ll be very helpful in building a privacy-focused alternative for a very popular need. Thanks!