To my mind, the main purpose of the tracking is to quickly answer the question "am I overspending".
I can definitely see that quickly extending to "what do I do with my money" though.
The point about impartiality definitely resonates - this was always something I found distasteful when Mint was still around (RIP).
I've been building a landing page for Glance (https://glance-fi.app/) to figure out whether anyone actually wants this before I go deep on it.
It's a finance app (I know — another one, stay with me here) that skips budgeting entirely, instead tracking spending and trends.
It learns your spending patterns and flags anomalies — DoorDash doubled, weekly spending is above normal, a subscription you forgot about is still charging you, etc.
I've noticed a lot of coworkers and friends who earn a good living and don't have a desire to account for every penny. They know they should save, they put money in retirement accounts, and they don't want the complexity of a Monarch, Copilot, YNAB etc — they just want to have a handle on their spending.
I’m as interested in product feedback as website feedback tbh, given this crowd I figure I can get some good tips. Either way, would appreciate a look at the site.
The connections are all managed by Plaid right now.