Penny
Finance and crypto
personal finance tracking
SHOW HN2016
How HN took it
6 positive, 21 neutral or asking, 2 mixed, 12 critical, out of 41 comments about the project. Thread score -0.11.
Idea: 4 for, 2 againstPrivacy: 1 for, 4 againstDesign: 0 for, 4 againstPricing: 0 for, 1 against
The thread, comment by comment
Each row is a top-level comment and its replies, in HN's order. Select a cell to open that comment on HN.
positive neutral or mixed critical about another commenter or something else the maker
What HN said
What people liked
Good UX and design
From 1 comment
This looks great, really good UX/UI from a first glance. My bank has a pretty modern banking app, so some of the features (like spending graphs) are familiar to me (though not as…
dkyc on HN
Useful concept for tracking spending
From 1 comment
Looks useful and neat, but remember kids: if you're not paying for it, you're the product. Some of their competition: http://linxo.com (used it for 5 years now),…
david_p on HN
Objections
Privacy policy and credential handling concerns
From 3 comments
Are you serious!? Every Paragraph in their Privacy section reads like: "We totally won't collect your data; and definetly won't store them, BUT we kind of do something similar…
peterfile on HN"and you hereby appoint Penny as your true and lawful attorney-in-fact and agent, with full power of substitution and resubstitution, for you and in your name, place and stead,…
cosinetau on HNMy main concern in using sites like this is that they'll leak my banking credentials. Mint uses Intuit's service for communicating with financial institutions, which is also used…
curun1r on HN
Unclear who is behind the project
From 1 comment
The utter lack of information about who is behind this ("Industry Veterans" -- who?) makes me exceedingly reluctant to trust this. It's an iPhone app, so there's a minimal level…
rdl on HN
Does not handle cash transactions well
From 2 comments
Does it know what category to put something in if I use cash? From my experience tracking what I spend, it's those transactions that I actually need to keep track of if I'm going…
onion2k on HNThis looks great, really good UX/UI from a first glance. My bank has a pretty modern banking app, so some of the features (like spending graphs) are familiar to me (though not as…
dkyc on HN
Chat interface is cumbersome
From 2 comments
I'm not really into the simulated live chat interface. It'd be a lot easier to click a button that said "Your spending" than to type out "Please show me my monthly spending Mr.…
cookiecaper on HNThis relies on you actually remembering the text commands though, as opposed to just seeing the different buttons and taping whichever one you care about.
largote on HN
Requests
Availability outside the US App Store
From 4 comments
Any chance when this shall be available outside of the US App Store?
jasdeepsingh on HNLove the idea. I wish I could use it (I'm Canadian).
amackera on HNplease roll out to EU. Thanks
rekshaw on HNAre you looking to expand into the UK any time soon? I would be interested in using it.
cs0 on HN
Website version, not only app
From 1 comment
I rather use a website over my phone to track my expenses. Having an app is great, but a website is the topmost priority to have.
donretag on HN
Support for Venmo and Square Cash
From 1 comment
I just signed up for this. It looks pretty cool. Can this connect to Venmo? Square cash? Or similar systems? That would be neat.
tryitnow on HN
Questions
Which banks and account types are supported
From 1 comment
Although it looks great, I still have no idea if it supports different types of accounts (loans, banks, etc.) or even if it supports my bank. Looking around I don't see a list of…
dvcc on HN
What the bank-grade security claim means
From 1 comment
"Bank-grade security" What does that mean to you? Just an SSL cert of XXXX-bits?
jwineinger on HN
Alternatives named
Mint
From 2 comments
Why would I migrate from Mint to this?
largote on HNI totally disagree about Mint. I have accounts across so many different services (bank, credit cards, loans, investments) and it saves me so much time because I only have to log…
fibbery on HN
YNAB
From 1 comment
"Where did my money go" budgeting has never worked for me. I've been way more successful with planning ahead every $ of income as I get it and then manually tracking expenses.…
bvanslyke on HN
PocketSmith
From 1 comment
I had the same issues with Mint, it was always broken, always giving back unreadable account errors, always missing stuff in searches, never applying tags properly (and no mass…
cookiecaper on HN
Linxo and Bankin
From 1 comment
Looks useful and neat, but remember kids: if you're not paying for it, you're the product. Some of their competition: http://linxo.com (used it for 5 years now),…
david_p on HN