AI · alternatives · 2026
24 alternatives to Deductly
Hey HN, I'm a tech founder — 15 years building software, fintech background, been through the early startup grind before. I thought I knew how to run a business. Then I opened a restaurant. And I got humbled fast. Nothing in my background prepared me for how financially opaque restaurant operations actually are. Sales looked fine. Cash kept disappearing. By the time my P&L landed, the damage from a bad food cost week had already compounded twice. I was running a margin business in the dark. So I did what I always do: I went deep. Down to the penny. I connected every data source I had — Toast…
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 →
- 2IQ
Quick background: I used to code. Studied it in school, wrote some projects, but eventually convinced myself I wasn't cut out for it. Too slow, too many bugs, imposter syndrome — the usual story. So I pivoted, ended up as an investment associate at an early-stage angel fund, and haven't written real code in years. Fast forward to now. I'm a Buffett nerd — big believer in compound interest as a mental model for life. I run compound interest calculations constantly. Not because I need to, but because watching numbers grow over 30-40 years keeps me patient when markets get wild. It's basically…
Jan 2026 · calquio.com · its alternatives →
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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 →
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Fina▲257Fina lets you build your own tracking system with live financial accounts all without using a spreadsheet. You can build and share custom templates the same way you can in notion.
2023 · fina.money · its alternatives →
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Quanta▲120Hello! I’m an engineer who has spent the majority of my career building financial systems and ledgers in fintech. A theme across those years was how painful traditional accounting software was to use, so I set out to build something better with Quanta. The best way to get started was by building software that would enable the best full-service accounting experience, as well as help business owners understand their business. If you have a software business, I’d love for you to check out our free trial. Any feedback appreciated. Thank you!
2025 · usequanta.com · its alternatives →
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delegare▲70Hi guys, am building SecureLend.ai and when working on our underwriting agents (free trial, paid after) I had issues with seamless payment options. Of course I looked at x402 which I believe is a great protocol but not a fan of a) sharing private keys with the agent b) having a human in the loop or c) similar workaround e.g. pre-funded wallets So I started building out a solution. For my use case it was important to not only have stablecoins but also a fiat rail which is now implemented using Stripe. Initially I build a mandate system internally but am very glad and big shoutout to the guys…
Apr 2026 · delegare.dev · its alternatives →
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Finlingo▲77Your own AI CFO, watching your money on autopilot
May 2026 · finlingo.ai · its alternatives →
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Treasury AI▲20Hi HN! I'm excited to share that Treasury (https://treasury.sh) is now available on the iOS App Store. Treasury is a personal finance app I've been building, and we just opened up our public beta. We'd love your feedback. Currently, Treasury has a set of core building blocks that let you create financial setups as simple or as complex as you want. You can track your net worth, analyze spending, spot recurring transactions, and build budgets that actually match how you think about money. Download it from the App Store and let me know what you think.
Jun 2026 · treasury.sh · its alternatives →
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I was a software engineer at a late stage startup and was caught in a layoff this January. When I looked into exercising my options or getting liquidity, I realized the secondary market is a total black box. Liquidity funds spend a fortune on Google Ads just to find people like us. Those high marketing costs eventually come out of our pockets in the form of higher fees and worse terms. I built StrikeRates to change that. The site is meant to be a central resource for anyone navigating this. I included a Liquidity 101 section that explains the different financial vehicles because that…
Mar 2026 · strikerates.com · its alternatives →
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WiseFlow▲13Your money finally makes sense ! Meet Your New AI comapnion.
Jun 2026 · wiseflowapp.com · its alternatives →
- 15MS
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 →
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Finbooks▲13Stop doing your books. Start running your business.
May 2026 · finbooks.ai · its alternatives →
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See your money clearly. All in one app.
Nov 2025 · finty.tech · its alternatives →
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Finzen▲3Over the years, I've tried pretty much every personal finance tool out there. Loved some, hated others, but in the end, I always came back to using my trusty google sheet. I needed something that combined YNAB's envelope budgeting with what a multi-asset portfolio tracker does. For me, your budget and your investments are linked. Obviously, never invest more than you can afford to lose - but how are you supposed to know how much that is for you without understanding your spending habits? So I built Finzen Finzen = budgeting + portfolio tracking + rich visual reports and stats Currently in…
Jun 2026 · finzen.org · 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 →
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I haven't seen anything like this so I decided to build it in a weekend. How it works: You see a bunch of things pulled from Wikipedia displayed on cards. You ask yes or no questions to figure out which card is the secret article. The AI model has access to the image and wiki text and it's own knowledge to answer your question. Happy to have my credits burned for the day but I'll probably have to make this paid at some point so enjoy. I found it's not easy to get cheap+fast+good responses but the tech is getting there. Most of the prompts are running through Groq infra or hitting a cache…
Apr 2026 · sleuththetruth.com · its alternatives →
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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 →
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The smartest way to track your expenses
2025 · expenseeasy.app · 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 →