[{"data":1,"prerenderedAt":470},["ShallowReactive",2],{"project-10858327":3},{"id":4,"name":5,"line":6,"line_source":7,"title":8,"url":9,"domain":10,"maker":11,"posted_at":12,"year":13,"points":14,"comments":15,"rank_in_year":16,"shown_in_year":17,"top":18,"tier":19,"category":20,"subcategory":21,"format":22,"keywords":23,"reception":28,"sentiment":29,"stance_mix":30,"scored_comments":35,"aspects":36,"strip":45,"post_text":48,"what":49,"said":82,"maker_in_thread":217,"shape":219,"grid":223,"attempts":426,"same_week":431,"maker_shows":42,"maker_hidden":462,"reader_version":463,"card":464},"10858327","Penny","An easy way to track your spending","title","Show HN: Penny, an easy way to track your spending","https:\u002F\u002Fwww.pennyapp.io\u002F","pennyapp.io","adennis4",1452179878,2016,89,85,428,2264,19,"notable","finance_crypto","personal finance tracking","mobile_app",[24,25,26,27],"expense tracker","budgeting app","spending insights","bank aggregation","curious",-0.114,{"positive":31,"neutral":32,"mixed":33,"critical":34},6,21,2,12,41,{"idea":37,"design":39,"privacy":41,"pricing":43,"docs":44},{"positive":38,"critical":33},4,{"positive":40,"critical":38},0,{"positive":42,"critical":38},1,{"positive":40,"critical":42},{"positive":40,"critical":40},[40,40,40,40,40,40,40,42,40,42,42,40,46,46,46,46,42,46,46,40,42,42,46,42,42,46,40,47,47,40,46,42,46,47,46,46,42,47,47,47],3,5,null,{"problem":50,"audience":62,"pricing":48,"motivation":67,"time_to_build":48,"stack":72,"openness":79,"stage":80,"team_size":81},{"value":51,"source":52,"evidence":53},"Helps people understand and track their spending without intimidating budgeting tools","commenter",[54,58],{"id":55,"by":56,"text":57},"10860961","imalex","Hey, Alex (cofounder) here. You're totally right that people who have trouble managing money in general don't use these kind of apps. Before starting work on Penny, we asked a…",{"id":59,"by":60,"text":61},"10858886","dontmitch","Mitch here, one of the co-founders. I don't want to throw Mint under the bus: I used it for ~6 years before starting to work on Penny and it's a great tool for people that enjoy…",{"value":63,"source":64,"evidence":65},"Everyday consumers managing personal money","inferred",[66],{"id":55,"by":56,"text":57},{"value":68,"source":52,"evidence":69},"Mint is complex and intimidating for most people; a friendlier approach is needed",[70,71],{"id":55,"by":56,"text":57},{"id":59,"by":60,"text":61},[73],{"value":74,"source":52,"evidence":75},"Plaid used for bank transaction aggregation",[76],{"id":77,"by":60,"text":78},"10859256","There are actually three major players in the transaction aggregation space: Intuit, Yodlee, and Plaid. We use Plaid, but it works the same as Intuit. In fact, Plaid has a…","unknown","launched","team",{"praise":83,"objections":98,"requests":140,"questions":174,"alternatives":189},[84,91],{"value":85,"source":52,"evidence":86},"Good UX and design",[87],{"id":88,"by":89,"text":90},"10858952","dkyc","This looks great, really good UX\u002FUI 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…",{"value":92,"source":52,"evidence":93},"Useful concept for tracking spending",[94],{"id":95,"by":96,"text":97},"10858821","david_p","Looks useful and neat, but remember kids: if you're not paying for it, you're the product. Some of their competition: http:\u002F\u002Flinxo.com (used it for 5 years now),…",[99,114,121,129],{"value":100,"source":52,"evidence":101},"Privacy policy and credential handling concerns",[102,106,110],{"id":103,"by":104,"text":105},"10858860","peterfile","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…",{"id":107,"by":108,"text":109},"10858967","cosinetau","\"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,…",{"id":111,"by":112,"text":113},"10859117","curun1r","My 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…",{"value":115,"source":52,"evidence":116},"Unclear who is behind the project",[117],{"id":118,"by":119,"text":120},"10859104","rdl","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…",{"value":122,"source":52,"evidence":123},"Does not handle cash transactions well",[124,128],{"id":125,"by":126,"text":127},"10858948","onion2k","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…",{"id":88,"by":89,"text":90},{"value":130,"source":52,"evidence":131},"Chat interface is cumbersome",[132,136],{"id":133,"by":134,"text":135},"10858953","cookiecaper","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.…",{"id":137,"by":138,"text":139},"10859278","largote","This relies on you actually remembering the text commands though, as opposed to just seeing the different buttons and taping whichever one you care about.",[141,160,167],{"value":142,"source":52,"evidence":143},"Availability outside the US App Store",[144,148,152,156],{"id":145,"by":146,"text":147},"10861428","jasdeepsingh","Any chance when this shall be available outside of the US App Store?",{"id":149,"by":150,"text":151},"10859211","amackera","Love the idea. I wish I could use it (I'm Canadian).",{"id":153,"by":154,"text":155},"10858903","rekshaw","please roll out to EU. Thanks",{"id":157,"by":158,"text":159},"10858711","cs0","Are you looking to expand into the UK any time soon? I would be interested in using it.",{"value":161,"source":52,"evidence":162},"Website version, not only app",[163],{"id":164,"by":165,"text":166},"10859182","donretag","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.",{"value":168,"source":52,"evidence":169},"Support for Venmo and Square Cash",[170],{"id":171,"by":172,"text":173},"10859566","tryitnow","I just signed up for this. It looks pretty cool. Can this connect to Venmo? Square cash? Or similar systems? That would be neat.",[175,182],{"value":176,"source":52,"evidence":177},"Which banks and account types are supported",[178],{"id":179,"by":180,"text":181},"10858834","dvcc","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…",{"value":183,"source":52,"evidence":184},"What the bank-grade security claim means",[185],{"id":186,"by":187,"text":188},"10859068","jwineinger","\"Bank-grade security\" What does that mean to you? Just an SSL cert of XXXX-bits?",[190,200,207,213],{"value":191,"source":52,"evidence":192},"Mint",[193,196],{"id":194,"by":138,"text":195},"10858761","Why would I migrate from Mint to this?",{"id":197,"by":198,"text":199},"10859782","fibbery","I 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…",{"value":201,"source":52,"evidence":202},"YNAB",[203],{"id":204,"by":205,"text":206},"10859046","bvanslyke","\"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.…",{"value":208,"source":52,"evidence":209},"PocketSmith",[210],{"id":211,"by":134,"text":212},"10858915","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…",{"value":214,"source":52,"evidence":215},"Linxo and 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