After 14 years, I finally built my dream personal finance app

A sentimental backstory# Somewhere around the end of 2012 — after I have been working for a good couple of years in the tech industry — I have noticed something I didn’t expect. Despite having a good salary, I wasn’t saving that much. At that time, I was just planning to rent my first apartment and leave my parents home. If I wanted to pull it off without getting into debt, I had to do that one thing — start to track my finances. As any sane person, I started with the ultimate personal finance tracking app — the Excel spreadsheet. It’s free (I was using Libre/Open Office on Linux), the format is widely supported, and various software can read it, and it’s private, so I don’t have to sell my finances for $9.99/mo and a risk that I will start to get targeted ads based on my financial situation. The problem with Excel is that you always outgrow it, otherwise we wouldn’t need so many SaaS products. I won’t bore you with all the details, but throughout the years I have tried every non US…