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- Hacker News
- i looove this. i have been working on something similar. are you using AI to help with balance forecasting? would you be willing to share how it has been working out for you? how much set up is necessary for you to set it and forget it. i am currently using monarch and only ever look at account balances and only sometimes look at transactions.by memonkey
- I didn't know the rocket company was getting into personal finance. https://www.stokespace.com/by mmmeff
- The way I look at it, the money I've spent is the money I've spent. That it will only be deducted from my account balance at a later date is irrelevant, I can't touch that money either way.by chabska
- Very interesting, and I've been looking for something like this. Kudos for building this. But for my information do you think you have a different handle on this vs. say ChatGPT's Plaid connection [1]. What do you think you offer differently?by pj_mukh
- > The Service is currently published under the brand name VoidHQ as the product Stoke Money. Both names are subject to change.
The governing terms are California's. I checked CA business registry and found no 'VoidHQ' or 'Void HQ'. Not sure who I would be trusting with my data.
by skinfaxi - > As a result, I've always had to maintain a separate spreadsheet to track my actual cash flow.
This is more or less how I already set up GNUCash. Couple dozen scheduled transactions created 90 days into the future, with the "Future Minimum Balance" field enabled on the homescreen.
For me, the time sinks are interrelated:
1. Monthly reconciliation. Every month I sit down and compare the scheduled transactions with what actually happened in statements, for approximately thirty different accounts. Many don't have APIs, certainly none GNUCash would speak. This takes a lot of time and I wish I could just have this automated. Just give me exception handling on the edge cases like a new transaction category, or a forecasted negative checking balance.
2. CC transaction import. This is a structural failing of banking closing down formerly open APIs. Only thing left on my BofA accounts is CSV exports. Which thankfully works with a bit of setup but the writing is on the wall and even that may soon vanish in the name of banks defending their core business.
3. Stock transactions, equity grants & price tracking. This one is even harder since CSV feels structurally not up to the task of representing the "sell to cover taxes" split of RSU grants, and I never really got it working in OFX anyways. Plus I have a pretty weird collection of accounts including a pension IAP that updates once a year (and that update is retroactive to 6 months ago) and a 457b invested in restricted custom funds with no ticker symbols.
by jldugger - Looks nice - really - but I wouldn't touch you till you got external validation of your security practices and shared more about what you do there on your FAQs. Encrypting access tokens is just table stakes. My finances are private and not to be trusted with just anyone. The folks you compare yourself to have that type of certification but it's not listed in the comparison.
Even a SOC type 1 would show you're on the journey.
by freshnode - Forget SaaS, What the world needs is this but local. And open source, with bots scanning it constantly for vulns.
These products are deeply needed, but they are gated behind Saas payments. And this requires significant trust of the provider, as they have visibility of all the financial records of the user.
My understanding is the need for recurring payments is the cost of data integration providers. This cost can be passed entirely to the user if run locally. I would suggest that the integration providers might want to fund such projects if they were Free and Open Source.
Build a stand alone binary that lets users import their own api keys and this product will survive a long time
by gfh687564