Dev tools · alternatives · 2026
24 alternatives to BucksBuddy
I loved learning how to build end-to-end encryption. I thought you'd need to go through every record. I felt really silly when I learned how keys can be used. For context, I'd blown through half a million dollars over 4 years and had no idea where it went. So I'm trying to get a grip on it with this app. I can't use bank statements, because I'm using different electronic money institutions (EMI) and Lebanon barely supports paying by card. It took a while to get a UI I actually wanted to use... The part I'm still unsure about is adding old savings. Some find it intuitive but others find it…
Below are 24 products that do a similar job, ranked by how close each is in meaning and then by launch-day votes.
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Ray▲298I've been using this daily for 4 months and figured others might find it useful. This is my first open source project so would love any feedback. Ray connects to your bank via Plaid, stores everything in an encrypted local SQLite database, and lets you ask questions about your finances in natural language. No cloud, no account, your data is stored on your machine. Before anything reaches the LLM, all PII is stripped — your name, companies, transaction details are redacted and replaced with tokens, then rehydrated locally in the response. The AI never sees who you are.
Apr 2026 · rayfinance.app · its alternatives →
- 2
Everyone’s chasing AI hype. I built a Google Sheet and it quietly took off. In 2020, I made it to track my own finances for income, expenses, savings, yearly summaries etc. I shared it once on Reddit, forgot about it for a year… When I checked back, it had over 130k views and I was honestly stoked! No launch. No funding. No AI. Just a spreadsheet people actually stick with and find useful. I finally gave it a proper home: write-it-down.com Now, more than 2,300 people use it. It’s intentionally boring and that’s why it works. People don’t always need AI. They just need something that actually…
2025 · write-it-down.com · its alternatives →
- 3
Hi HN, I built Whisper Money because I was frustrated that every personal finance app wanted full access to my bank credentials, fed my transactions into AI systems, or sold my spending data to third parties. Whisper Money takes a different approach: - *No bank credential sharing* - Import your transactions via CSV/XLS exports from your bank. No Plaid, no OAuth to your bank, no third-party integrations that can get breached. - *No AI snooping* - Your transactions are never fed into AI systems you don't control. - *No third-party data sharing* - Your financial data is never shared with…
Nov 2025 · whisper.money · its alternatives →
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Hey guys, I built an app that follows the envelope budgeting philosophy like YNAB and with beautiful expense breakdown displayed in sankey, line, bar charts. It also tracks your crypto wallet (BTC & ERC20), bank connections through Plaid and brokerage accounts through SnapTrade. Create unlimited categories, cash/loan/credit accounts and start budgeting at https://buildyourbudget.com/
Nov 2025 · buildyourbudget.com · its alternatives →
- 6
- 7MS
For years, I have struggled to understand my cash flow and save for the future. In addition to that, my wife has many credit cards and accounts that complicate matters. I am building a tool that connects all our accounts, helps us create a budget, and tracks and adjusts expenses on the fly. I am also sprinkling some AI magic on it for financial suggestions. I am looking for feedback on the implementation. More importantly, I am looking for more beta testers to improve the product.
2023 · financemadelovely.com · its alternatives →
- 8
Hi everyone, I’ve been on Hacker News for a good number of years, but this is my first “Show HN”. I changed jobs recently. Tax is weird in Europe (and maybe other places as well?) in that different amounts go out at different times and repeat at various intervals. I needed to make sure I had enough cashflow to make all upcoming payments, I didn't want any surprises. So I created a little tool for my own purposes, then had fun putting a small HTML frontend on it as I thought it might be useful for someone else. I'm a backend developer in my day job, as you can probably tell from the design :)…
2023 · whenwillirunoutofmoney.com · its alternatives →
- 9
I thought I could make a personal finance app that was simpler, smarter and more privacy-focused than Monarch, YNAB and Copilot. I believe I have, but today that's up to you. While the classic story of using a variety of "analog" tools to manage money does apply to me, the main pillars that pushed me to build Cadence Money were: - Pay for the level of syncing that's used including none - No built-in AI - Fully cross-platform including mobile browsers - Passkeys available day one - Proper Canadian support - No ads even for a book After seven years at 1Password as a Lead PM, I can safely say…
Jul 2026 · cadencemoney.com · its alternatives →
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Hello HN, Over the last year we've been building snote.app, a Privacy focused, End-to-End Encrypted alternative to Notion. You can write, plan, collaborate and get organized - it allows you to take notes, store files, add tasks, manage projects & more. Whether you're working solo or in a team. We are hoping to use this post as an opportunity to collect feedback from fellow hackers. If there's anything we can do better, please let us know
2023 · snote.app · its alternatives →
- 11BBitmia▲7
Hello Hacker News, I'd like to share an investing/personal finance social news site I've pushed live a couple of days ago. It's based on the lobste.rs codebase, slightly repurposed to be more focused on discussion rather than link aggregation. I assume there’s a significant userbase overlap with HN since most of you who work in computing are well-positioned to retire early. There’s a running joke on /r/financialindependence that they are 99% software engineers. It's live at https://bitmia.com – if you’d like an invite, feel free to request one on the site. Hopefully…
2018 · its alternatives →
- 12IB
I built this as a Garage Project over the weekend. https://x402.backpac.xyz/ Still working on refining things, but let me know your thoughts. Cheers.
2025 · its alternatives →
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Save money grow money
Jun 2026 · rupalik.gumroad.com · its alternatives →
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It's time for a better Venmo/PayPal... One that is globally accessible, makes you money and takes a cut of the profit instead of screwing you with fees and bad conversion rates I made the iOS + web app and I'm handing it to you Send USDC via email Btwn Friends is an open-sourced PayPal/Venmo alternative that let's you send stablecoins to anyone's email without them being on the app, having a wallet or knowing about crypto. Here's how it works Every P2P payment app makes you create an account, save 12 words, link to a wallet app, KYC, transfer gas tokens... It's intimidating and too…
Nov 2025 · btwnfriends.com · its alternatives →
- 16
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…
2023 · tender.run · its alternatives →
- 17
Hey HN, I'm a crypto enthusiast who got tired of spending hours researching different crypto credit cards across dozens of websites. After struggling to find comprehensive comparisons myself, I built CryptoCardHub to solve this problem for the entire crypto community. The platform now helps thousands of users find the right card based on their actual spending habits and preferences. Would love your feedback on this. James
2025 · cryptocardhub.com · its alternatives →
- 18
Hey HN! My newborn can’t talk yet, but I figured he needs a portfolio dashboard anyway. So I built one — tracking crypto, dividend stocks, and fun KPIs like: HODL Strength Passive Income % Crypto Mood (emoji-based, of course) Danger Zone if I YOLO too much into one coin No login. No ads. Just data, dad jokes, and dollar signs. Let me know what you think (or what my baby CEO should add next). https://mattiasassets.com
2025 · mattiasassets.com · its alternatives →
- 19AM
Hi HN, Today I'm launching the Net Worth Tracker by Flow Finance, a beautiful and minimalist Excel template that allows individuals to track their assets, liabilities, income, and spending on a monthly basis. The focus of this template is understanding long-term trends in the incoming and outgoing expenses for an individual—always with a focus on maximising insights while minimising user inputs. This project was created because the alternatives, frankly, are completely overwhelming. A friend of mine introduced me to the FIRE Movement and, after doing deep dives through Reddit, I tried to…
2023 · getflow.finance · its alternatives →
- 20WW
Over three months ago, I posted my book on HN and got tremendous +ve reponse. I am happy to inform that I have published the book to leanpub as per the comments I got on HN itself! It is pay as you go model, and the minimum is $0 because I wanted to contribute back to the FOSS Community
2016 · its alternatives →
- 21MS
I’m excited to share Savewise Cashback, a powerful new tool to help you save money on every online purchase. I was inspired to build this after I realized that cashback offers vary every day across every shopping portal. I imagined a “Google Flights” for cashback offers was something that would save me so much time, and help me earn more cash back and miles while shopping. With this tool, you no longer have to check every shopping portal to find the best cashback or mileage offers before making a purchase. It also shows you some historical data on offers by portal since the rates change…
2024 · cashback.savewise.xyz · its alternatives →
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Zerosum▲3I've been a YNAB user for years but couldn't justify $109/yr for an app where I never used bank sync. So I built my own. ZeroSum is zero-based budgeting (same envelope method) with a full YNAB import wizard — bring your entire budget history over. 50+ currencies, shared budgets, analytics, keyboard shortcuts. $40/yr. Stack: React (Vite + TanStack Router) on Cloudflare Pages, Hono + tRPC on Render. Happy to talk about the technical decisions. Try it free for 35 days: https://zerosum.so
Feb 2026 · zerosum.so · its alternatives →
- 23IB
I am Isaque Franklin and I build products and solve problems in my free time (between college and work) and also for a living. I am a Bitcoin maximalist and I truly believe that Bitcoin is the sanest money that exists today, and I also belive that hard money is essential for the development of civilization and for the future of mankind. However, one cannot uderstand Bitcoin and all it's applications and benefits without falling down the rabbit hole - an experience every bitcoiner has tasted in the beginning of their journey and constantly tastes when learning new things about bitcoin.…
2024 · directoryofsatoshi.com · its alternatives →
- 24FB
I built this tool to help understand and quickly find coins on the Binance platform specifically for use with day trading. https://creative-look.com/clients/ransomcarroll.com/binance/... The problem is there's 100+ coins and i'm not going to constantly scan through each one. So the app has categories like 'big movers with volume' and other filters to help you see what's going on RIGHT NOW. You would obviously use this information to identify potential buy in opportunities. Looking for thoughts and recommendations.
2019 · its alternatives →
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Ranked by how close each launch is in meaning, then by votes. Prices were read from each product’s own site when checked and can change. Refine with your own description →