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Discussion on: I'm making an app to help manage personal finances, Ask Me Anything!

 
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Jonathan Irvin

Future release. :) Also, I'm a veteran and use USAA (who is super secure and doesn't always let people import transaction history). So, Mint was never an option for me.

The idea is allowing your transactions to be predictable. I'm more of a hands-on type of guy, but ultimately the goal is to start predicting future balance based off of past history.

Mint can only tell you what's already happened. I'm wanting to predict what will likely happen. For example, if you frequent Starbucks, most apps will tell you that you spend a certain percentage on Starbucks.

If you typically get a coffee on Mondays, the app should be able to account for it based off of past history and say "hey, you usually buy a coffee on Monday, I'll add an entry for $5 so it's automatically budgeted"

AFAIK, I've not seen many apps that do that. Ultimately, that's the goal long-term. Short term is to account for stuff we already know like Rent and static bills.

I would love to also incorporate an automated amortization chart which would calculate your current credit cards, loans, etc and by using the history of your income and other bills, help you pay off debt faster by adding a little extra to your payments.