Commerce · alternatives · 2026
24 alternatives to Finzen
Over 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…
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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Thank you for your comments, just some context: - The app is a simple desktop application that works on macOS, Windows, and Ubuntu. - I developed this app for my own needs. Getting tired of SaaS app subscriptions and privacy concerns. - For now, the activities are logged manually or imported from a CSV file. No integration with Plaid or other platforms. - No monetization is planned for now (only a "buy me a coffee" if you use and appreciate the app).
2024 · wealthfolio.app · 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 →
- 4
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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Automate your finance tracking in Notion
2022 · inotion.gumroad.com · its alternatives →
- 7
Hi everyone, I'd like to share FinWise (https://finwiseapp.io) with you, which my wife and I have been building over the last few months. FinWise is an all-in-one personal finance management tool, including budgeting, net-worth tracking, financial planning & forecasting and a couple of other things which we're still busy working on like couples/family budgeting and being able to set and track goals. It's designed to make managing all your personal finances as simple, easy and painless as possible, and we've put a lot of effort into making the website as simple and intuitive,…
2023 · finwiseapp.io · its alternatives →
- 8
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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- 10IB
A few years ago, I started managing my finances using Google Sheets. It worked fine for a while, but then I hit some limitations. As my financial planning needs grew more complex, I found myself struggling with tracking assets and forecasting future financial scenarios. Thus, I started to work in my spare time on building FinancialAha: https://www.financialaha.com - a financial planning app designed to do everything my spreadsheets couldn’t. It is completely free and I intend to add some paid features later on as listed on the pricing page, but I want to keep it free for people…
2024 · its alternatives →
- 11
VuFi▲8After graduating from college I quickly realized that my money was ending up in a lot of different places. I was frustrated having to log in to different bank accounts, retirement accounts, and investment accounts, and tally everything up at the end of the month in a spreadsheet. So I created VuFi, which does it for me, automatically, every day! I've been building the app myself over the last few years, and it's finally gotten to the point where I believe it can be useful for other people as well. I would love any feedback on the idea, UI, or features that I should add in the near future!
2025 · vufi.app · its alternatives →
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See your money clearly. All in one app.
Nov 2025 · finty.tech · its alternatives →
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Finzu▲12Smart expense and budget tracker for clarity and control
2025 · finzu.app · its alternatives →
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- 15AM
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 →
- 16
A beautiful, intuitive finance tracker that grows with you
2024 · financegarden.netlify.app · its alternatives →
- 17
Smart money management with complete privacy of your data
2025 · myfinmateapp.com · its alternatives →
- 18IM
It's at http://finkin.com. The goal is to allow a developer to sign up in seconds, and within minutes begin querying data. It runs under https and stores no access information. From http://news.ycombinator.com/item?id=1431583, I realized that all those types of sites are not tailored to developers like the other simple APIs around the web are (i.e. flickr). I made mine as simple as I thought possible. From http://news.ycombinator.com/item?id=1676458, I realized that eventually it should be a scalable model where you pay pennies per the # of requests you make. Right now it supports many…
2010 · finkin.com. · its alternatives →
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Hello HN! As apps grow increasingly complex, I started to question whether only feature-packed apps are truly helpful. That led to what I call the *Small App Project*—a philosophy of building small, focused tools that do just what you need, and nothing more. Money Keeper is one of the apps I created as part of the Small App Project. It’s a small expense tracker built for clarity and efficiency. --- What it does: - Fixed Expenses. Easy to Grasp at a Glance. - Payday Calendar. Customize Your Start Day. - Monthly Summary. Expense Visualization. - Customizable Categories. - No Ads. No Data…
2024 · apps.apple.com · its alternatives →
- 20
Hi HN, I'm the solo founder of Helm Terminal (helmterminal.dev). It's a free portfolio analytics tool that connects to your accounts via Plaid and surfaces actionable insights and intelligence. Concentration risk, tax-loss harvesting, earnings exposure, idle cash, sector drift, etc. Automatically, every day. Every other portfolio tracker/brokerage I've tried showed me balances and pie charts but never informed me what to do or what was going on. I'd check my accounts, see things were generally "fine", and move on. Then I realized I'd been sitting on thousands of dollars in unharvested…
Apr 2026 · helmterminal.dev · its alternatives →
- 21
your one stop solution for tracking your finance
2025 · financetracker-varun.vercel.app · its alternatives →
- 22
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 →
- 23
Do you want to have a clear path to Financial Freedom?
Dec 2025 · myfinancialfreedomtracker.com · its alternatives →
- 24
Save money grow money
Jun 2026 · rupalik.gumroad.com · 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 →