alt Hacker NewsA personal finance app called “Predictable” that takes chaotic sloshes of money and turns them into steady streams of cash. You tell it “I receive this much money weekly/monthly/on the first and fifteenth/when Mercury is in retrograde, and I have these expenses at other various intervals” and it evens everything out into a constant weekly flow of cash by, essentially, buffering. Any overflow or underflow goes to a “margin” bucket which basically tells you how much you could spend right now and still have enough for all your recurring expenses.
Currently making it just for myself but curious if anyone else would find it useful.
I'd love something like that, with the added ability to basically split the margin bucket into multiple buckets (one for me, one for the wife).
The main issue I've had with budgeting apps continues to be pulling in up-to-date transaction data, which is necessary to know how much I can spend right now. There always seems to be problems with the data syncing. Apple Card is the worst, as you can only pull transactions via wallet on device.
I wish we could just use a single bank account at the Fed. The banking network is absolutely shit and there's basically a 1% tax on everything that goes to the rich for no good reason.
Budgeting was soooo much easier with cash – it's maddening all the data is there for real-time personal finance but it can't be accessed.