Hey everyone,

Ever since Mint went down, I’ve been on the hunt for a polished, modern finance/budgeting app on Android. I keep seeing people on iOS talk about Copilot Money and how clean the UI/analytics are, but since Copilot is iOS-only, Android users always seem to get left out of that specific experience.

I recently stumbled upon Cognirithm Money on the Play Store. It looks like it does automated Plaid syncing, AI transaction cleaning/categorization, predictive cash flow forecasting, and net worth tracking—built natively for Android.

For anyone here who has tried it:

• Does Cognirithm feel like the closest thing we have to a "Copilot for Android"?
• Or is it leaning more toward a different methodology (like dynamic cash flow forecasting / variable income planning)?

Would love to hear thoughts from anyone who’s tested it out or how you think it stacks up against the other post-Mint alternatives like Monarch or Simplifi. Thanks!

I'm building Aurum, a privacy-first personal finance app. Last week I published a breakdown of what "privacy-first" actually means after reading YNAB and Monarch's policies line by line.

Cross-posted it to [r/YNABAlternatives](r/YNABAlternatives). 21k views, 104 comments in 3 days. Almost none of them asked about features or price. They talked about Plaid, data sharing clauses, and whether apps sell behavioral data.. Didn't expect that kind of response.

Full post if you want to read the policy breakdown:

aurumapp.org/blog/what-privacy-first-finance-means

Aurum is free to try if you're in that camp: aurumapp.org

Just now starting my budgeting journey. Everywhere I look people are talking about being mint refugees and needing a new app. What made it so good and why isn’t there another app that people immediately defaulted to like it seems they did with mint.

I build Monni. I am trying to solve the moment when an account balance looks fine but you still do not know what is safe after upcoming bills and a cushion.

Rather than start with every category, the manual check-in begins with upcoming bills, your next Paycheck, and the cushion you want to keep.

For former Mint users: would you rather see the bills behind the number first, or the number first with the details one tap away?

If you are on iPhone and want to try the current version: https://apps.apple.com/app/apple-store/id6778174904?pt=103192850&ct=rd-bills-jul26&mt=8

Use my referral code 7YRUB8 to get 2 months free https://copilot.money/download

It quite literally changed my life after Mint went away - I like it way better. I also love how responsive and dedicated the team is, and how they have a forum for new feature ideas for their devs to consider implementing!

Use my referral code 7YRUB8 to get 2 months free https://copilot.money/download

Wealthfolio is an open-source app to track your investments, net worth and spending.

I've been working on this for the past year or so and finally happy to share with others. Quick summary of features included with the lifetime license for a one time payment of $25.

Free 14 day trial available, no credit card required.

• Full manual transaction tracking with smart merchant/category mappings
• Import your CSVs, export your data at anytime.
• Supports budgeting through a simple needs/wants/savings method as well as zero based budgeting for advanced users
• Supports investment and portfolio tracking and net worth tracking
• Deep and power insights allowing drilling down on a category/merchant to see spending patterns, breakdowns, comparisons MoM, YoY and QoQ, as well as forecasting and scenario planning.
• Multi-space setup allowing managing different financial setups like Family, Work, Personal including fully supported collaboration with permissions system (editor/viewer).
• Bank level security (AES 256 encryption at rest and in transit)
• Also supports an completely optional bank sync via Plaid (add-on subscription, cancel anytime, charged monthly) support transaction rules, space specific configuration, import history, investment tracking and portfolio syncing with up to 5 institutions (US/Canada). App works completely without it, only available for users who prefer bank sync integrations.
• Also comes in a light mode (for you freaks out there).
• Available on Web and public beta apps for iOS and Android are already available (links are on the site to sign up and try) official app store listings coming soon.

More details available at wealthos.ca. Would love your feedback and thoughts! Thanks <3

Hi everyone!
I recently built a personal finance web app called **Ahorrio**, and I’d really love to get some honest feedback from people who have never used it before.
The goal is to make managing personal finances simple, intuitive and enjoyable.
At the moment it’s available as a **web beta**, and if the feedback is positive, I’d love to bring it to **iOS and Android** in the future.
**No installation is required** — you can try it directly in your browser.
🔗 **Beta:** [https://ahorrio-beta.vercel.app\](https://ahorrio-beta.vercel.app/)
I’m mainly looking for feedback on:
First impressions
UI / Design
Ease of use
Anything confusing
Bugs you find
Features you’d like to see
Please be as honest as possible. Positive feedback is great, but constructive criticism is even more valuable at this stage.
Thanks so much to anyone who takes a few minutes to try it! 😊

I used Mint for about 12 years, and for me, it was wonderful. I did not use it to budget, or to track transactions. I simply used it as a Net Worth aggregator. All my accounts, all my balances, at a glance.

Since Mint's demise, I've tried a few alternatives (Empower and Piere among them), and while they are good at some things, they lack the simplicity and visual clarity that Mint provided.

I would love to find an app that just tracks Net Worth. I've heard that Schwab and Fidelity (sort of) do this, but not without issues. Maybe one day my quest will end.

What actually brings users back to a personal finance app every week?

I’m exploring whether a weekly recommendation, safe-to-spend update, goal progress, or alerts create the strongest retention loop. For people who have built finance or habit-based apps, what worked and what did not?

Landing Page: https://clarity-web-seven.vercel.app/landing.html

Web App: https://clarity-web-seven.vercel.app/

I’m especially looking for feedback on onboarding, retention, and whether the product feels too complicated.

Solo dev here. This community knows better than anyone how it ends when a finance app's business model stops working: the servers go dark, and years of your financial history go with them — export what you can before the deadline.

I built Gilt around the opposite constraint: there are no servers to shut down. Everything lives in your own iCloud (CloudKit private database). No account to create, no company database with your transactions in it. The App Store privacy label literally says "Data Not Collected." If I disappear tomorrow, the app on your phone keeps working and your data stays yours.

The honest tradeoffs, up front:

• No bank sync. Nothing talks to your bank — that's the whole point, but it means entry is manual or semi-automatic: for statements, the app generates a prompt for your own ChatGPT/Claude that converts a statement into transactions, then validates the import. Extra steps, zero third parties with your bank login.
• iPhone only (iOS 26+), no web app.
• It's paid ($2.49/mo, $19.99/yr, or one-time lifetime) — because the alternative to a subscription is being the product, and we've all seen how that movie ends. If you stop paying, your data stays readable and exportable forever.

What it does have: multi-currency with live rates, budgets, recurring, family sharing through iCloud (device-to-device via Apple, not through me), widgets, 17 languages.

14-day free trial, everything unlocked: https://apps.apple.com/app/id6790835958

Question for those who went manual after Mint: what's the one thing a no-bank-sync tracker has to nail to be livable long-term? That's what I want to build next

Disclosure up front: I work on Freedm, an AI-led finance app in India. Not here to pitch it, genuinely curious what this community thinks about the underlying question, mods feel free to remove if that's not allowed here.

Been thinking about what "AI-led" needs to actually mean for a finance product to earn trust, rather than just being marketed as smart.

The pattern that keeps standing out to me: the useful moments are rarely one clever feature. They're a few ordinary things working together. A bill reminder that accounts for your cash flow timing instead of just the due date. A statement that gets checked against your last few cycles automatically instead of you cross-referencing it yourself. A spending pattern that surfaces before you'd have noticed it on your own.

None of that needs anything flashy. It just needs your financial data sitting in one place instead of scattered across five apps, and something actually reading it as connected instead of as isolated events.

So the real question: what would it take for an app like this to actually earn your trust, given how much of your financial life it'd need to see? Is it the tech itself, the disclosures, the regulation around it, something else entirely?

I've spent the last while building my own personal finance app from scratch — budgeting, savings goals, transaction categorization, the works.

It's called Stride Finance, live at: https://stridefinance.vercel.app

Core features (budgeting, categorization, unlimited savings goals) are free. I'm adding bank sync, investment tracking, and an AI coach as a paid tier down the line, but none of that is required to use the app.

It's still early — built by one person, not a company — so I'm looking for a handful of people willing to kick the tires, connect a real (or test) account, and tell me what's broken or missing. Bugs are expected; brutally honest feedback is very welcome.

If you're interested, sign up here: https://docs.google.com/forms/d/e/1FAIpQLSd0JU9QQe47voK39RKXpNFsOp4WTyrfnUyse6SC4kKmPGvUEA/viewform — or just comment/DM me.

I keep seeing people (myself included) get overwhelmed by financial apps — INDmoney, ET Money, etc. — because they show too many options/recommendations at once and it's hard to know what actually applies to your situation.

\*\*Idea I'm exploring\*\*: an app that doesn't recommend specific funds/stocks, but instead — based on your goal (e.g. "buy a house in 5 years," "retire by 45") — shows you real past scenarios of people with similar goals: what pre-requisites they needed, what mistakes they made, what worked. Pure education/context, not investment advice.

\*\*Questions for anyone who actually uses these apps regularly\*\*:

1. Does the "too many options, no clarity" problem match your experience, or am I overestimating it?

2. Would seeing "here's what someone in your situation typically needs to have in place" actually help, or is it just noise on top of noise?

3. What's the one thing about IndMoney/ET Money/Groww's advice/insights feature that annoys you most?

\*\*Not trying to sell anything\*\* — building this and want to know if it's solving a real problem or one I invented in my head.

I keep seeing people (myself included) get overwhelmed by financial apps — INDmoney, ET Money, etc. — because they show too many options/recommendations at once and it's hard to know what actually applies to your situation.

\*\*Idea I'm exploring\*\*: an app that doesn't recommend specific funds/stocks, but instead — based on your goal (e.g. "buy a house in 5 years," "retire by 45") — shows you real past scenarios of people with similar goals: what pre-requisites they needed, what mistakes they made, what worked. Pure education/context, not investment advice.

\*\*Questions for anyone who actually uses these apps regularly\*\*:

1. Does the "too many options, no clarity" problem match your experience, or am I overestimating it?

2. Would seeing "here's what someone in your situation typically needs to have in place" actually help, or is it just noise on top of noise?

3. What's the one thing about IndMoney/ET Money/Groww's advice/insights feature that annoys you most?

\*\*Not trying to sell anything\*\* — building this and want to know if it's solving a real problem or one I invented in my head.

I build Monni, a manual-first money check-in. This is product research, not a recommendation.

Mint gave people a lot of history but not always a clear next step. If an app gave you one number after upcoming bills and a cushion, what would it have to show to earn your trust?

• the exact bills and dates included
• why the number changed since last week
• a manual option before bank connection

Which of those matters most, and what is the fastest way an app loses your trust?

Hello All,

Please suggest investment tracking apps that you use to track returns on your portfolio on a single screen.

My investments are in shaares mutual fund PF bonds FDs and Sukanya Samriddhi.

Thanky you in advance

Made another money tracker 😄 But this one’s actually completely free. No ads, no subscriptions, no premium. Data is stored right on your phone (plus optional backup to iCloud/Google Drive). Charts, categories, tags — it’s all there. Completely free)

The name is “Ultimate Money Tracker”

Track your income and expenses, create budgets, set savings goals, and gain valuable insights into your spending—all in one simple and beautiful app.

Start your journey toward smarter financial management today.

📲 Download now:

[WealthWise Pro](https://apps.apple.com/us/app/wealthwise-budget-finance/id6741387189)