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Show HN: Sssaving – Are you gaining or losing money each month?
- Splendor 11y agoI like this idea and I was able to successfully sign up and link my bank account. My only suggestion would be to give me a better idea of what to expect when I receive my first email. Right now all I know is that I'm going to get an email in X days and that email will tell me something about how well or poorly I'm doing. I like the site design too. Nice job.
- deleted 11y ago[deleted]
- guillelopez 11y agoThanks for the feedback. The idea is to provide more information as the service grows.
- kelukelugames 11y agoTempted. But I just got Mint recently and I really like it. What does this do better than Mint?
- qzcx 11y agoI second this. Mint gives me a clear perspective into all of my accounts. I don't really need the monthly reminder to check my bank accounts. I do it almost weekly.
- jackcarter 11y agoI'm impressed that it does 2-factor authentication. Mint has been dragging its feet on that for years. Too bad there's no Vanguard integration. Can you add an input for monthly autodeposits?
- guillelopez 11y agoYes, we might explore the option to add autodeposits. Moreover the idea is to run autonomous.
- zachjbart 11y agoIs support limited to the 7 banks on that screen? Couldn't find an "Other" option.
- guillelopez 11y agoYes, sorry about this. Currently it just works with the 7 main banks in the United States.
- jsonau 11y agoIntriguing font choice and design! I like it. Unfortunately I'm hesitant on giving my bank credentials. Big banks should step up and offer APIs via OAuth or the likes
- guillelopez 11y agoI agree. But probably banks will never get into that business. Meanwhile some companies, like the one I am using for this service, are helping the banks to get this functionality. You should check them: http://www.plaid.com http://www.plaid.com.
- simook 11y agoTrust is lacking. I like the idea, but aborted the getting started process once I realized the app needs access to my bank.
- alphast0rm 11y agoI agree and did the same thing. I think it would also help if there was a sample "update e-mail" so users can get a feel for what value the site adds (e.g. vs Mint's e-mails). Otherwise, I'm hesitant to link my accounts without knowing what I'll get out of it.
- guillelopez 11y agoThat makes sense. We will add that. Thanks for the feedback.
- guillelopez 11y agoWe added tha sample: https://www.sssaving.com/sample https://www.sssaving.com/sample
- deet 11y agoOut of curiosity, what would have made you trust it more?
- arielweisberg 11y agoI don't want my bank accounts analized. Sorry had to say it. There is a typo.
- guillelopez 11y agoTypo fixed. Thanks.
- biggerfisch 11y agoI might add more info about supported banks before users start to expend effort on signing up. As soon as I saw that my bank wasn't supported, I lost interest.
- guillelopez 11y agoSorry about that. Can I ask you which is your bank?
- philippnagel 11y agoUS only?
- guillelopez 11y agoYes, sorry about that.
- leepowers 11y ago> You needed to be a spreadsheet junkie to be able to get some good insights. > So we built a service that automatically analyzes your bank accounts So, what kind of insights does SSSavings provide? What is it going to tell me? How is this more useful than looking over everything manually? I also have most of my budget in a custom ODS spreadsheet. I'd love to be able to pull real-time data about current balances, number and type of transactions, etc. from some sort of API. That would be BOMB.
- guillelopez 11y agoWell, the service is intended for people who don't do it manually. People who are lazy about their finance. And the goal is for them to get automatically an email every week or month with basic information about: — How much did they spent or win last month? — How much savings do they have in all their bank accounts? — How did their finances progressed in the last months? — How much do they normally spend each month? — For how long could they live with their current savings? About having an API. You should check: plaid.com. That's the API service I am using on sssaving.com to get all data.
- jacquesm 11y agoWhat is it that gets people to give details about their bank accounts to just about everybody that asks politely enough? Am I paranoid or is it really this easy to get people to give up their financials that the drop of a hat?
- guillelopez 11y agoI understand your concerns. But let me clarify that this is a secure service. All sensitive information is stored encrypted, all traffic runs entirely over encrypted SSL and all goes through Plaid Technologies, one of the most prominent service provider of banking data. If you would like some more info, you should check: https://plaid.com/security/ https://plaid.com/security/
- fweespeech 11y ago....yeah. SSL libraries never have bugs. Its a great idea if it could be done without giving you any of my bank credentials beyond what is on a check and basically public knowledge. https://plaid.com/docs/#add-user https://plaid.com/docs/#add-user That right there is why I won't use it regardless. No offense to you or Plaid's security. Just the idea I'm going to hand over the same credentials that let me transfer money out of my institution isn't an acceptable solution.
- guillelopez 11y agoI understand. Banks should implement reading credentials to avoid these problems.
- fweespeech 11y agoYeah, if only you could solve that problem instead. ;)
- zachlatta 11y agoI don't agree with this mindset at all. People should build things they want to build. I agree—I wouldn't hand my bank credentials over to this service (or really any unknown third party), but I don't think we should say that the OP should have spent their time on something else.
- deleted 11y ago[deleted]
- tytytytyty 11y agoif (MoneyInMyAccountLastMonth > MoneyInMyAccountThisMonth) { LosingMoney = true; } there, I already sold my "startup" for 50 Mil to google.
- unknownzero 11y agoI was a mint user for quite some time until I switched over to personal capital several months ago, was interested in trying this. However once I signed up and went to add one of my bank accounts I noticed it was listed among the 10 on banks in the select dialog, but greyed out, showing "institution not supported" on hover. CapitalOne 360, Fidelity, and charlesschwab all appear this way for me. Does this mean they'll be available in the future? Hope that helps with any troubleshooting.