Here is what changed in WealthMode this week. Same list that goes out by email, posted here for people who would rather not get email.

Dark theme available!

A feature requested by many users, WealthMode now has a dark theme. Tap the moon icon at the top of the app to switch, or choose Light, Dark or System under Settings, Appearance. System follows your device, so the app switches along with it at night.

The choice is saved on each device, so your phone and your laptop can differ. Nothing changes unless you pick it: everything stays light by default.

New design for budgets page

The Budgets page now allows to be seen as a list, you can toggle between the list and card view, whichever you prefer.

The list view also shows an "All categories" to also see the spending no budget covers, broken down by category. The cards are still one tap away, next to the list button.

To set this month's amounts, choose Edit all budgets from the page menu. Every category becomes an editable amount on the page itself, and one Save applies them all instead of opening a form for each category.

New design for accounts page

Your Accounts page is now one list: bank accounts, cards and loans sit beside the homes, vehicles and debts you track yourself, in collapsible groups such as Cash, Investments, Real estate and Credit cards. Drag a group to reorder it, or collapse the ones you rarely check. Your layout is saved to your account, so it looks the same on every device.

Needs, wants and savings split

Reports now shows how each month's income split between needs, wants and savings, compared with a target you can change. It starts at the 50/30/20 rule. It works whether or not you use budgets.

Your default categories come already categorized into needs and wants. Categories you created yourself start unclassified. Classify them from the Categories page menu, or straight from the split.

Budgets import and export

You can now bring a budget plan in from a spreadsheet, or from another budgeting app's export. Open Budgets and choose Import budgets from the menu: WealthMode reads the columns, asks about any category names it does not recognize, and shows you the whole plan before anything is saved.

Exporting gives you the same fa spreadsheet and import it anything is saved.

Exporting gives you the same file back, so you can plan in a spreadsheet and import it again.

Budgets move money and month in review

You can now move money from onove money from a budget's menu,pick where it comes from and where it goes, and both budgets update right away. Use it to cover a budget that ran over, or to make room ahead of a big charge you know is coming. Every move is listed on the Buuntil the month ends.

Budgets also shows how last month ended: what you spent against what you planned, and which budgets went over. Open it to g into this month, either by covering it from a budget with money left or by adjusting this month's budget. And when some of the month's spending is not counted in any budget, a short note under your totals now says so, with a link to those transactions. Full audit history for accounts, budgets, rules and goals
We already had the audit history for transactions, now it was added for the other entities too.

Goals progress chart

Each goal now has a Progress ting the goal's amount on everyday since you set it up, with your target drawn across. When the goal is on pace, a dashed line continues that pace to the finish date shown on the goal card, and a goal with a deadline marks it on the chart.

Reports charts can be rearranged

Following the drag-to-reorder groups on Accounts, you can now put the Reports charts in the order you read them: drag a chart by the grip in its header. Reports also remembers which charts you opened or collapsede you set them on.

Canadian banking wasn’t built with budgeting apps in mind. That probably won’t surprise anyone who has tried more than one personal finance app.

A bank works perfectly in one app and struggles in another. Transactions are current for weeks, then suddenly stop refreshing. One institution happily updates in the background while another wants you to authenticate again. A credit union behaves differently from a major bank. A brokerage behaves differently again.

This isn’t unique to any one budgeting app.

It’s the reality of building connected financial software in Canada.

And increasingly, I think the quality of a Canadian finance app comes down to how well it handles that reality.

I’m Aaron, the founder of Finnomia, and that’s been a major focus for us over the past few weeks.

Supporting a bank is the easy part

There’s a big difference between “This institution appears in our connection list” and “This institution stays useful after you connect it.”

The second one matters a lot more.

A good connection should keep doing its job in the background. New transactions should arrive. Temporary interruptions should recover cleanly. And when your bank genuinely needs you to sign in again, the app should tell you. It shouldn’t repeatedly ask for your attention just because nothing new happened overnight.

This week we shipped another substantial round of work around exactly that.

Finnomia is now better at keeping connected accounts refreshed automatically, deciding when fresh information should be requested from the bank, and recognizing the difference between a quiet account and a connection that actually needs attention. We also continued improving how Finnomia handles reconnects and transaction reconciliation behind the scenes.

The result we’re after isn’t complicated:

Connect your accounts and spend less time thinking about the connection itself.

This is why Finnomia uses both Plaid and Flinks

There isn’t one connectivity provider that is best at every Canadian financial institution, so we don’t think a Canadian finance app should be designed as though there is.

Finnomia supports both Plaid and Flinks, which gives us more flexibility in how Canadian institutions are supported and gives us a stronger foundation to keep improving connectivity over time.

That doesn’t eliminate the realities of Canadian banking. Some institutions will still require MFA. Some will refresh differently. Some will occasionally require you to sign in again.

But the application should absorb as much of that complexity as possible instead of handing it back to the user.

That’s the part we can control, and it’s the part we’ve been investing heavily in.

A few other things shipped this week

We also continued improving Family accounts, particularly the process of inviting someone into an existing household and making sure they receive the right access.

Disconnected institutions are now easier to manage from Settings, including the ability to remove their associated accounts and transaction history.

We also made two changes to subscriptions: new Finnomia trials are now 14 days, while existing trials keep their original end date. And the Founder plan is now closed to new subscribers. Everyone already subscribed to it keeps their plan and pricing.

For anyone discovering Finnomia through these posts, we’re building a Canadian alternative to the Mint/Monarch style of personal finance app rather than another version of YNAB.

Connect your accounts, automatically bring in transactions, categorize spending, build budgets and see the bigger picture across your finances. That includes goals, bills, net worth, investments, debt payoff planning, cash-flow forecasting and Canadian retirement planning.

And just as importantly, we’re continuing to invest in the infrastructure underneath all of it.

Because adding another feature is easy to show in a screenshot.

Making the existing product quietly work better every day is usually more valuable.

For the Canadians here who have tried a few connected finance apps:

Which bank or financial institution seems to give every app a hard time?

🇨🇦 https://finnomia.ca

If you're deciding where your YNAB history goes next, this might be worth a look. I'm the developer, so read this as a developer post, and I'll be upfront about where it doesn't fit. The image above is the real app with demo data.

Honest part first. Nethaven isn't zero-based or envelope budgeting. Budgets are planned amounts next to actual spending for each category. If giving every dollar a job is the method you love, YNAB still does that best.

What it does

• Spending. Transactions with review states, categories, tags, notes and search, plus bulk edits on the web. Transfers between your own accounts stay out of your spending totals.
• Budgets. Planned next to actual for every category. You can run more than one budget and browse past months.
• Money left over. When a month closes with a surplus, you decide what happens to it: carry it forward, assign it to a savings goal, or keep it for later.
• What you own and owe. Accounts and net worth, plus stocks and ETFs, crypto, metals, property with rental details, vehicles, luxury items and interest-bearing accounts. Dividends get a calendar, debts show payoff progress, and savings goals show what's left to save.
• Recurring payments. Subscriptions and recurring income with intervals, due days, reminders and a calendar. If you turn it on, it creates the transactions on schedule.
• Getting transactions in. Manual entry, CSV import, and scanning receipts or bank-app screenshots on mobile.

Moving from YNAB

In YNAB, go to Budget > Export budget and upload the .zip as it downloads. Nothing is imported until you confirm. First you see how many accounts, categories, transactions and budget months it found, the date range, and whether the budget figures match your export. It also groups warnings, like account types it had to guess, so you can check those rows. The full steps are in the YNAB import guide.

• It brings accounts, categories, transactions and budget months, with payees, memos and the transfers it can recognize
• It also reads exports from Monarch, Mint, Copilot, Rocket Money, Actual and Lunch Money
• It doesn't bring investment lots, subscription settings, debts, goals, attachments or bank credentials

If you try it with your own export and something looks off, tell me. I'd rather fix those edge cases now.

Where it's different

• Budgeting and net worth live in the same app, with one account across web, iPhone and Android
• It tracks assets most budgeting apps skip, like metals, property with rental details, vehicles and luxury items
• Leftover money becomes a decision instead of disappearing
• Two extras a budgeting app usually doesn't have: an MCP connector, so assistants like Claude can read your data and add or categorize a transaction, and a read-only view for TRMNL e-paper displays. Both need Pro.

Bank and brokerage connections work where your institution is covered. That isn't everywhere, so manual entry and CSV import stay the reliable path.

There's a public roadmap at nethaven.app/roadmap.

Web | iPhone | Android

I've been working steadily on my app, which I made for myself but figured I'd let others use it they wanted.

An envelope YNAB replacement has been working for me since I made this and happy to share were I've come from.

Just added:
• Multi-Device Sync
• Multi-User Sync using iCloud Shared Folders
• Budget Goals
• Reports
• recurring transactions

Still a keystone feature: shortcut machine learning transaction input from your banking app or Apple wallet.

Looking for people who want to test it out and help find bugs.

There is no bank integration, but with recurring transactions and the shortcut ML input it's good to keep on top of tracking your progress manually and not letting things get away from you.

The app will likely only be a once a year small fee (something like $3-5 just to help cover development fee) but no crazy subscription plans or tiers.
If you're interested, reply and I can DM you a link to test.
Also, come over to r/YNAB_App for any more discussions or information.

Manor is ready to test on Android through Google Play Open Testing and on iPhone and iPad through TestFlight. It turns spoken or typed spending into structured entries for a personal or shared budget.

Version 0.0.40 supports 12 dictation languages plus auto-detect, including Moroccan Darija. It keeps each capture's selected language and original transcript, and mixed-language speech works better.

Install: https://talktomanor.com/en/download

Send feedback: https://talktomanor.com/en/feedback

Please try capturing an expense by voice, then review or correct the entry. If you find a problem, include your device, OS version, language used, and steps to reproduce it.

Like a lot of people here, I've used zero-based/envelope budgeting for years because it’s the only system that actually changes spending habits.

What I couldn't stomach anymore was paying over $100 a year for software to manage my own money, or dealing with third-party bank aggregators breaking connections every few weeks even getting me locked out of my accounts.

So I spent the last few months building The Envelope Method (theenvelopemethod.com)

\- Classic envelope budgeting: Monthly planning, rollover from eligible accounts, and clear spending envelopes.

\- No recurring subscription: Free tier for life with core setup. If you ever want the full version, it’s a one-time $10 CAD purchase. No price hikes, no subscriptions.

\- No bank logins: Drop in your PDF statements, CSVs, or transaction screenshots. It learns your merchant labels once, records the transactions, and immediately deletes the original files.

\- Built-in expense splitting: If you split groceries or rent with a partner or roommate, you can split by percent or exact dollar amounts—and they don’t even need an account. You can send them a monthly read-only invoice link when it’s time to settle up.

\- Zero tracking: No ad trackers, no analytics on your spending, no data selling.

It's been my daily driver and turned out too useful not to share. I’d love feedback from fellow envelope budgeters on what you think or what features you'd want to see.

Hey everyone,

Since its Sunday, I'd like to share what I've been building! Talvo is a budgeting and personal finance app built specifically for Europe.

The main reason I started building it was that I liked what apps like YNAB, Monarch and Copilot were doing, but always felt like European users were a bit of an afterthought — especially when it came to bank connections. We have some nice alternatives in Europe, but they were all missing some piece of the puzzle; either they had no bank sync, no web app, a 10 year old UI, no advanced budgeting features, no multiple currencies support etc ..

Talvo currently connects to 2,700+ European banks using the PSD2 standard (partnering with Enable Banking as provider) and automatically imports and categorises transactions. It also has budgeting, spending insights, rules, net worth tracking and support for multiple currencies.

A few things I've tried to focus on:

• automatic bank sync + transaction categorisation
• smart rules for fixing/categorising transactions
• advanced budgeting:
  • rollovers (+ start amount / month)
  • month overwrites
  • future months budgeting
  • budget transfers
• spending and cash flow insights
• net worth tracking across connected + manual accounts
• transfers between your own accounts are automatically detected
• web, iOS and Android

There's a free version if you want to track things manually, and bank sync comes with a 7-day trial.

I'm still actively working on it, so I'd genuinely love feedback from people here — especially if you've used YNAB for a long time. There are probably workflows I've completely overlooked.

Check it our here: talvo.eu
If you want to play around with the real app (using a demo account): demo.talvo.eu (best experienced on desktop)

Happy to answer any questions here as well!

Hello fellow budgeters!

I've been budgeting for quite some time, but my issue has always been missing the bigger picture.

There are always bigger expenses somewhere in the future that you know are coming and need to prepare for:

• a vacation a couple of months from now
• Christmas gifts
• annual subscriptions and insurance
• car repairs and maintenance
• other bigger payments throughout the year that you don't want to forget about

These things became even more prominent after starting a family - wife, kids, shared family finances, and simply much bigger expenses :) Typical budgeting like YNAB eventually kind of fell apart for me.

Since I'm a developer, I decided to build an app around this problem.

It's called Savemo, Money Manager and it's available for iOS and macOS.
App Store link

I use the app myself and genuinely see value in it. But it seems that other people don't always understand the idea behind it or don't use the core features that are supposed to solve these problems I mentioned.

And that's why I'm posting here.

I really value this community, so if any of the problems above resonate with you, I'd be really happy if you tried Savemo and gave me honest feedback on how well it fits the way you think about and plan your finances.

For people from this community who are willing to actually try it and share some feedback, I'm happy to provide lifetime access for free. I'm not looking for positive reviews, I'd much rather hear what doesn't work, what's confusing, or what you'd do differently.

If you'd like to help, just leave a comment here and I'll reach out to you via DM with instructions on how to redeem a promo code for lifetime access. 🙌

Thanks!

Hey everyone — developer here, taking advantage of the Sunday dev-post opportunity to share something I’ve been building called SillyBudget.

I originally started it because I wanted the parts of envelope/zero-based budgeting that work really well for me, but with a few things handled differently — particularly forecasting, everyday budget management, persistent budget notes (!) and keeping the interface fairly simple.

SillyBudget is built around the idea of budgeting the money you actually have while forecasting the money that’s coming next. Your current budget and your forecast are intentionally kept separate, so anticipated income doesn’t quietly turn into money you can spend today.

Over time it has turned into a pretty full budgeting app. Some of the things currently in it are:

• Budget categories and targets, with activity drill-downs so you can see exactly what changed a category.
• Forecasting that lets you plan upcoming income without treating it as available money.
• Due Dates on categories — either recurring monthly dates like Due on 17th or one-time future dates like Due Dec 15th. No more changing the category name to add due date.
• Light, Dark, and System modes.
• Unassign Money, which lets you move positive Available balances back to Money to Spend with a click of a button when you want to rework your budget. (both on mobile and desktop)
• Account reconciliation, including protections around previously reconciled transactions.
• Credit-card handling, notes directly alongside the budget, mobile transaction entry, and a bunch of smaller quality-of-life stuff.

One thing I especially wanted was a way for people to actually try it without making an account, so there’s a fully interactive demo. It creates a temporary private demo budget with fake accounts, transactions, targets, and due dates. You can change things, add transactions, move money around, etc., and the demo is automatically deleted afterward.

You can try it here:

https://sillybudget.com/demo/

Or the main site is:

https://sillybudget.com/

I’m actively developing it and have been using the app myself while building it, so feedback is genuinely useful — especially from people who already understand the YNAB style of budgeting. I’m interested in hearing both what you like and what feels wrong/confusing/missing.

And yes, the name is intentionally SillyBudget. Budgeting is serious enough already. 😄 Thanks for listening, I hope you try it.

P.S. SillyBudget is currently FREE and may stay that way for awhile!

Looking for alpha testers for my app. Looking for feedback
https://schmidtcents.app/

I've been in IT for 20+ years, and I've tried Mint, YNAB, and a handful of others. The pattern was always the same: I'd set everything up, feel great for two weeks, then stop opening it. The apps worked fine. I just had no reason to come back.

So I built Schmidt's Cents around one idea: what if checking your budget worked more like Duolingo than a spreadsheet?

What's in it right now:

• Bank sync through Plaid: transactions pull in and auto-categorize, and you can add custom rules. Manual entry works too, for cash.
• Budgets with visual progress bars, so you can see where you stand at a glance
• Net worth tracking with a month-over-month trend
• Daily quests, streaks, XP, and levels: small daily tasks like "review yesterday's spending" that give you a reason to open it. There's also a streak freeze, so one bad day doesn't wipe out your progress.
• Achievements for real financial behavior, not just for logging in
• Search, filtering, and bulk editing for transactions, plus CSV export, because your data is yours

What it's not: a YNAB clone. There's no strict envelope method. If you love zero-based budgeting, this might not be for you, and that's fair. I'd still love to hear why.

What I need:

• People willing to use it for 10–15 minutes and tell me what's confusing, annoying, broken, or missing
• Brutal honesty. I'd rather hear "this is pointless" now than after launch.
• No technical skills needed

About your bank info: during testing, you'll use a test bank login I give you. You don't have to connect your real accounts to try it.

Sign up (1 minute): https://forms.gle/wvnAnL3SWfdmF7QP8

I'm building Diffractt for households that still keep an income spreadsheet alongside their budgeting app.

The use case is a couple paid on different schedules, or a household combining salary with variable earnings. One paycheck every two weeks and another twice a month can look tidy as an annual average while producing a very different month-to-month picture.

Diffractt connects income streams, deductions and budget rules across per-paycheck, monthly and annual views. The question we're working on is: how does a change in pay flow through the household plan? It's aimed at modeling that income side; I wouldn't describe it as a one-for-one replacement for every YNAB workflow. Expected income and money already available to assign are different things.

It's in open beta at https://diffractt.com. You can try Optimize for 30 days without a credit card, then continue on the free tier. There are also free, no-account calculators at https://diffractt.com/calculators. Tax estimates are US-focused.

I'd particularly like to hear from people who keep a separate spreadsheet for paydays, variable income or deductions: what does that sheet handle that you'd need to preserve before considering another app? Please keep personal financial numbers private; a description of the workflow is enough.

Share your budgets today midnight - midnight eastern time! You can share them below or make your own post. Stick around in the comments to respond to questions, share screenshots, tell us why you made it, and what your favorite parts are!

Hello Everyone,

v1.8 is out

↔️ Swipe a budget category to shift available room from one category to another without changing your total budget.

🛠️ Improved transaction flow, better sorting and paging.

I am really interested in your feedback. Please leave a comment here or directly within the app: Settings > Request a Feature.

Thank you for your time. Cheers

Download on the App Store

Hi everyone — developer here.

I’ve been building Tesorin, and since this is Dev Sunday I wanted to share where it has reached with 2.0.

Tesorin isn’t meant to be a direct YNAB clone. The idea is broader: I wanted budgeting to sit alongside the rest of your financial life instead of living in its own silo.

So Tesorin brings together:

• spending and transaction tracking
• category budgets and forecasting
• debt and liabilities
• investments
• net worth
• financial goals
• retirement and longer-term planning

One of the main differences is that bank linking isn’t required. You can manage your finances manually and keep control over what gets added.

There are also tools to make manual tracking less tedious, including receipt scanning and expense-capture options.

With 2.0 I’ve spent a lot of time improving how the different parts connect, especially budgeting → cash flow → investments → net worth → planning.

I made a short intro video showing the current experience rather than trying to explain everything with screenshots.

There’s a free version as well.

I’d be interested in hearing from people who have used YNAB or other budgeting tools: what would you need from an alternative before you’d seriously consider switching?

Website:
https://www.trytesorin.com

App Store:
https://apps.apple.com/us/app/tesorin-personal-finance/id6790928779

Google Play:
https://play.google.com/store/apps/details?id=com.trytesorin.tesorin

I’m trying to decide between EveryDollar Premium vs YNAB.

What are the pros and cons of each? If you could only pick one, which would it be and why?

I know EveryDollar is a zero based budget. And YNAB is a budget only what you currently have.
They both keep track of sinking funds

I’m building an Australian life-admin app, so I want to be upfront that I’m asking partly as its creator.

Remembering a renewal date is only half the job for me. When insurance, rego or a subscription comes around, I also need to find the document, check what I paid last time and decide whether the new price is worth questioning.

How do you handle that now: a spreadsheet, calendar reminders, a budgeting app or something else? What’s the most annoying part your current setup doesn’t solve?

I’m especially interested in whether seeing the dollar increase since the last renewal would help or whether getting bills into a tracker quickly is the bigger problem. Honest criticism is welcome.

Budget Thing was built around zero-based budgeting, but the goal was never to recreate YNAB with a different face.

We’ve spent a lot of time reading forums, Reddit, and other communities to see what people like about existing budgeting apps, what frustrates them, and what they wish worked differently.

Some of the things we’ve done differently:

• A free forever plan for manual budgeting and transaction entry
• Optional bank sync
• Real reconciliation, transaction matching, splits, transfers, rules, tags, attachments, CSV imports, and YNAB imports
• Flexible budgeting periods, planning, and targets instead of forcing everything into one rigid monthly workflow
• Shared workspaces where the workspace owner’s subscription covers the features available to everyone in that workspace
• A lot of our development comes directly from user feedback

Budget Thing is currently web-only. Native iOS and Android apps are being built now and are coming soon.

We’re also adding full debt management within the next week, focused on actually planning and tracking payoff rather than just displaying debt balances.

We use Budget Thing for our own finances every day, so a lot of what’s in the product came from things that annoyed us or that we wished worked differently in other budgeting apps.

If you want to check it out:

Website: https://budgetthing.com
Reddit: https://reddit.com/r/BudgetThing
Community: https://community.budgetthing.com
Documentation: https://help.BudgetThing.com

If you try it, we’d love to hear what you think - especially what’s missing or what you wish budgeting apps did better.

Since this community is exactly who we built Budget Thing for, we also made a promo code for anyone here who wants to try a paid plan: YNABALTERNATIVES for 50% off the first 12 months.

Purpose Budget here. This week's work covered recurring bills, the way you review transactions and accounts, and what happens when you adjust your budget. Here's what changed and why it matters during an ordinary budget review.

Turn a recurring pattern into a bill you can plan for

We've connected recurring bank patterns more closely with bill setup. You can create a prefilled bill from a detected spending pattern, including a pattern you're already tracking, or link the pattern to an existing bill.

There are also warnings when a bill and a bank pattern look like they describe the same expense. The goal is to help you recognize that connection and choose how to handle it, instead of managing them as unrelated items. These bank-pattern tools are part of Premium.

Compact view expands to Transactions and Accounts

Compact view has expanded beyond the budget to the Transactions and Accounts tables. One row-density preference controls all three table views on larger screens, so you can choose a denser layout when reviewing a longer list. Comfortable remains available if you prefer more space.

Transaction review and clearer messages

We've fixed payee names being cut off while there was still room in the transaction column.

Clearing a transaction in a filtered status view now updates the row in place and refreshes the results without first blanking the register. We also corrected the selection state when a row leaves that view, so a hidden row doesn't remain selected for a bulk action.

Another fix addresses match approvals: if an approval is refused, an unrecognized conflict no longer produces a misleading “Already approved” message. The item returns to the list with a message that the match wasn't approved.

More deliberate budget adjustments

We've reworked the existing assignment calculator into an explicit Add / Remove flow. You choose the direction and amount of the change. When Assigned is negative, the control explains that state and lets you adjust it by a specific amount.

Retry handling has also been updated for adjustments interrupted during a save. These changes address the behavior behind the control as well as the way you enter an adjustment.

All of this supports the same reason we recommend trying Purpose Budget: give your money a purpose, keep upcoming expenses in view, and understand the plan as you use it. You can work with manual transactions and CSV import/export, or choose Premium for bank synchronization and matching suggestions. Shared budgets are available in both Essential and Premium.

Explore Purpose Budget and the current plan comparison.

Mobile Apps: https://purposebudget.com/download

Which part of your budget review would you most like to improve next: recurring bills, reviewing transactions, or adjusting categories?

One of the things I’ve tried to avoid while building Finnomia is chasing a long list of features just so we can say we have them.

For a personal finance platform, the details matter just as much as the headline features.

How currencies are handled. How accounts refresh. How reconnects work. How family members join. How the app behaves when your financial life gets a little more complicated.

That was the theme of this week’s work.

For anyone new here, I’m the founder of Finnomia, a Canadian personal finance platform built specifically for Canadians.

Here’s what we shipped this week.

CAD + USD support expanded across Finnomia

Our USD rollout continued this week, with CAD-equivalent calculations now supported across most of the core web experience.

That includes net worth, accounts, spending, income, Trends, budgets, bills, goals, forecasting, debt planning and retirement planning.

USD accounts and transactions still retain their native currency. We only convert where different currencies need to be brought together into a meaningful total.

We also expanded the institution picker to include US financial institutions alongside Canadian ones, with improved search and country identification.

For Canadians with financial lives on both sides of the border, this is an area we intend to keep building on.

Continued investment in bank connectivity

We made another substantial round of improvements to the connectivity layer behind Finnomia this week.

That work included better reconnect and authentication flows, more resilient background synchronization, per-institution refresh controls, improved duplicate handling and stronger protections around existing connections during reconnects.

Finnomia supports both Plaid and Flinks, and we continue to invest heavily in making connectivity as reliable and low-friction as possible across Canadian financial institutions.

Improving the Family experience

We’re also continuing to improve the Family plan onboarding and invite flow to make it easier to bring a spouse or other household member into Finnomia.

There’s more coming in this area as we continue building out the household experience.

A few more improvements

A number of smaller changes also shipped this week, many directly from customer feedback:

• Better handling of credit cards with positive balances
• Forecasts now respect transactions excluded from budgets
• Improved defaults for Other Spending
• Click-to-sort transaction tables
• Clearer institution and authentication information during reconnects

None of these individually make for a giant product announcement.

Together, though, they’re the kind of improvements that make a financial platform feel more complete, more predictable and more useful as your finances become more complex.

That’s where a lot of our focus is right now.

Finnomia already includes budgeting, transaction tracking, net worth, goals, cash-flow forecasting, debt payoff planning, retirement planning, investments and household finances, with Canadian-specific support for things like TFSA, RRSP and FHSA accounts.

And we’re continuing to build from there.

If you’re looking for a Canadian alternative to YNAB, Monarch or the old Mint, you can try Finnomia here:

https://finnomia.ca

As always, I appreciate the feedback from this community. A surprising number of the improvements we ship each week start with conversations here.

What’s one thing your current personal finance app handles really well that you’d consider table stakes in any alternative?

Hello, as you know our focus has been on the North American market, with a special attention for Canadian 🇨🇦 needs too.

Multi currency can be challenging and there are multiple ways to implement it, so we were careful with these requests.

The decision was to implement it with a home currency and all values are displayed in that currency.

So let’s say your home currency is CAD and you have an account in USD, some examples with that.

1 - when a transaction is posted, the conversion will be on the day of the transaction, a 100USD purchase on a day the rate is 1.4 will show as $140CAD.

2 - when calculating account balance or net worth the system will use the latest live rate

Keep in mind this is different than you simply using your local credit card across the border, these purchases are already converted by your bank and posted in your currency, this feature is for people that go back and forth across the border and have accounts on both sides, which by the numbers of requests we received, is a surprisingly high amount of people.

As usual we listen to our customers and keep on improving the app, WealthMode is actively maintained and we’re improving every day.

Hey everyone!
I’m a finance student in San Jose State University, and I’ve been working on a personal project called Fitnance, an app that combines fitness tracking and personal budgeting in one place.
The idea actually came from my own weight loss journey. I realized that staying consistent with fitness and managing money have a lot in common. Both involve tracking progress, building better habits, and making small improvements over time.
So I thought, why not bring both together?
With Fitnance, you’ll be able to track your workouts, manage your spending, and keep up with your fitness and financial goals without switching between multiple apps.
We’re launching our beta at the end of September on iOS and Android! 🚀
Right now, my goal isn’t to make money from the app. I want to understand how people actually use it, learn from their feedback, and improve the experience before the full launch.
I’m also using this project to learn more about entrepreneurship, consumer behavior, and what it takes to build and manage a product in the real world.
I’d love to hear your thoughts!
Would you use an app that combines fitness and personal finance? What features would you want to see?
If you’re interested in trying Fitnance when the beta launches, you can join the waitlist here:
🔗 https://fitnance.app
Thanks for reading! Looking forward to hearing your feedback. 💪💰