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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. P
by deweller 7mo ago
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?
- benmanns 7mo agoI thought Plaid have (had?) a developer account that could connect something like 100 accounts that was free.
- qntmfred 7mo agohttps://teller.io/ https://teller.io/ has been on my radar to play with
- thenews 7mo agoactual budget something similar from what i can see via SimpleFIN Bridge (https://actualbudget.org/docs/advanced/bank-sync/#supported-providers https://actualbudget.org/docs/advanced/bank-sync/#supported-...)
- pcchristie 7mo agoActual Budget is incredible. Happy (now free since it's gone FOSS, formerly paying) customer since migrating from YNAB4 ~ 3/4/5 (?) years ago.
- phoenixy1 7mo agoPlaid has a pay-as-you-go option that's only about $2/month for this use case. (I believe the current rack rate PAYG pricing is 30 cents per month per connected bank login).
- iccananea 7mo agoI am researching providers to be able to add account sync to trackm.net I haven't done it at first because (1) they all have monthly / yearly costs and I wanted a flat fee; (2) I can't update the account without the user having logged in because of how the encryption works.
- kkfx 7mo agoGoCardless might be an option, at least for OpenBank (UE/SEPA), no idea for the USA though...
- wesdie 7mo agoI think GoCardless stopped accepting new accounts recently, which makes it a bit harder to rely on now. Feels like the options for EU/SEPA are still pretty limited. I’ve been looking into alternatives as well, curious if you’ve found anything that works well also?
- kkfx 7mo agoSo far GoCardless works for me, maybe they still kept old accounts. I've heard of https://enablebanking.com https://enablebanking.com but never tried them. I know also: - https://www.saltedge.com https://www.saltedge.com - https://www.fabrick.com https://www.fabrick.com - https://www.bridgeapi.io https://www.bridgeapi.io but they do not offer a free tier AFAIK Otherwise, with the scraping approach Woob https://woob.tech/ https://woob.tech/ (FLOSS) works well enough on some banks... It's damn absurd that banks and even supermarkets do not offer authenticated feeds for data export but that's is unfortunately... Me personally I think banks do their best to push people toward cryptos only because of their crappy services... Even the worst CEx offer better data access the banks...
- wesdie 7mo agoYeah GoCardless still works, just not for new accounts sadly. Feels like the options are still pretty limited unless you go paid/enterprise. Woob is interesting, but scraping always feels like a ticking time bomb. Thank you for the suggestions!
- mpbart 7mo agoAs 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 7mo agoCheck 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.