Hi everyone! I’ve been working on a small personal finance tool called Tender for the better part of a year.
I got tired of doing expenses by hand - going through several accounts to figure out refunds, subscription cancellations, getting paid back via venmo, etc. I’d get to the point where I’d have to go through months of transactions at a time if I got lazy and fell behind.
The workflow in Tender is centered around getting to inbox-zero. Transactions leave the inbox when they’re categorized and there’s a basic rules engine for automation. You can also do things like add notes, set reminders, and link refunds to their original payment. If you’re a splitwise.com user, there’s an integration to send shared expenses to a group to be split.
On the technology side, the data is stored using Automerge (crdt) and indexed using sqlite (wasm) - all running in the browser so the UI stays pretty snappy. For persistence, the data is also backed up server-side using Automerge’s sync protocol. Like everyone else in this space, I’m using plaid to sync in account data.
Although Tender isn’t multiplayer, the crdt still gives a lot of out of the box: syncing, file format, change tracking... Since everything is running in the browser, I’ve also hacked up a quick demo environment at https://demo.tender.run that you can play with!
I’ve put in a decent amount of effort into the project at this point, and would appreciate any feedback on the product, pricing, feature requests, etc! If you want to give it an extended try, there’s a coupon code (HN2023) that basically prices Tender at-cost for me.
I created a tool that helps people stay on top of shared transactions (https://reconcile.app/) a few years ago and have recently been working on another iteration of it that has some similarities to what you've built, but with a focus on couples who share much of but not all of their financial lives.