ciju

https://finbodhi.com - An app for your financial journey. It helps you track, understand, benchmark and plan your finances - with double-entry accounting. You own your financial data. It’s local-first, syncs across devices, and everything’s encrypted in transit (we do have your email for subscription tracking and analytics). Supports multiple-accounts (track as a family or even as an advisor), multi-currency, a custom sheet/calculator to operate on your accounts (calculate taxes etc) and much more. Supports price fetching for most Indian investment vehicles and US stocks. You can create custom dashboards with leading/trailing/rolling charts for investment options and benchmark.

We will soon add more import conveniences, like asking your llm to generate importer for your special pdf formats. See https://finbodhi.com/changelog for details.

We also write about related topics:

We wrote about comparing investment options: https://finbodhi.com/docs/blog/compare-charts

Benchmarking your returns: https://finbodhi.com/docs/blog/benchmark-scenarios

Understanding double entry account: https://finbodhi.com/docs/understanding-double-entry

https://finbodhi.com — It's an app for your financial journey. It helps you track, understand, benchmark and plan your finances - with double-entry accounting. You own your financial data. It’s local-first, syncs across devices, and everything’s encrypted in transit (we do have your email for subscription tracking and analytics). Supports multiple-accounts (track as a family or even as an advisor), multi-currency, a custom sheet/calculator to operate on your accounts (calculate taxes etc) and much more. Supports price for most Indian investment vehicles and US stocks.

Most recently we added support for creating custom dashboards. You can compare return with leading/trailing/rolling charts for investment options and benchmark (create custom dashboards tracking nav and value chart of) your portfolio (or a subset of assets you own) and US stocks, etfs etc. And family dashboard (e.g. you can see networth, cashflows, income, use sheets at family level and more). See https://finbodhi.com/changelog for details.

We also write about related topics:

We wrote about comparing investment options: https://finbodhi.com/docs/blog/compare-charts

Benchmarking your returns: https://finbodhi.com/docs/blog/benchmark-scenarios

Understanding double entry account: https://finbodhi.com/docs/understanding-double-entry

https://finbodhi.com — It's an app for your financial journey. It helps you track, understand, benchmark and plan your finances - with double-entry accounting. You own your financial data. It’s local-first, syncs across devices, and everything’s encrypted in transit (we do have your email for subscription tracking and analytics). Supports multiple-accounts (track as a family or even as an advisor), multi-currency, a custom sheet/calculator to operate on your accounts (calculate taxes etc) and much more. Supports price for most Indian investment vehicles and US stocks.

Most recently, we added support for comparing funds with leading/trailing/rolling charts and benchmarking (create custom dashboards tracking nav and value chart of subsets of your portfolio) and US stocks, etfs etc. And family dashboard (e.g. you can see networth, cashflows, income, use sheets at family level and more). See https://finbodhi.com/changelog for details.

We also write about related topics:

E.g. Benchmarking your returns: https://finbodhi.com/docs/blog/benchmark-scenarios Or, understanding double entry account: https://finbodhi.com/docs/understanding-double-entry

https://finbodhi.com — It's an app for your financial journey. It helps you track, understand, benchmark and plan your finances - with double-entry accounting. You own your financial data. It’s local-first, syncs across devices, and everything’s encrypted in transit (we do have your email for subscription tracking and analytics). Supports multiple-accounts (track as a family or even as an advisor), multi-currency, a custom sheet/calculator to operate on your accounts (calculate taxes etc) and much more. Most recently, we added support for benchmarking (create custom dashboards tracking nav and value chart of subsets of your portfolio) and US stocks, etfs etc. We recently added family dashboard (e.g. you can see networth, cashflows, income, use sheets at family level and more).

We also write about like:

How fund performance explain part of returns, rest is explained by timing. And ways to tease those out: https://finbodhi.com/docs/blog/benchmark-scenarios

Or, understanding double entry account: https://finbodhi.com/docs/understanding-double-entry

Basically sqlite on opfs mode: https://sqlite.org/wasm/doc/trunk/persistence.md#incognito

d3

It doesn't work in Incognito mode. Did you try it without incognito?

The images seem to be loading. They are heavy so might be taking time, or may be something is blocking them?

https://finbodhi.com — It's an app for your financial journey. It helps you track, understand, benchmark and plan your finances - with double-entry accounting. You own your financial data. It’s local-first, syncs across devices, and everything’s encrypted in transit (we do have your email for subscription tracking and analytics).

Supports multiple-accounts (track as a family or even as an advisor), multi-currency, a custom sheet/calculator to operate on your accounts (calculate taxes etc) and much more. Most recently, we added support for benchmarking (create custom dashboards tracking nav and value chart of subsets of your portfolio) and US stocks, etfs etc.

We also write about like:

How fund performance explain part of returns, rest is explained by timing. And ways to tease those out: https://finbodhi.com/docs/blog/benchmark-scenarios

Or, understanding double entry account: https://finbodhi.com/docs/understanding-double-entry

Nice visualizations. I went the opposite way, showing how many times the timezones were adjusted for different regions, on map (both with and without DST).

https://ciju.in/writings/understanding-timezones

https://finbodhi.com — It's a personal finance app. It helps you track, understand, benchmark and plan your finances - with double-entry accounting. *You own* your financial data. It’s local-first, syncs across devices, and everything’s encrypted in transit (we do have your email for subscription tracking and analytics). Supports multiple-accounts (track as a family or even as an advisor), multi-currency, a custom sheet/calculator to operate on your accounts (calculate taxes etc) and much more.

Most recently, we added support for benchmarking (create custom dashboards tracking nav and value chart of subsets of your portfolio) and us stocks, etfs etc.

I wrote about benchmarking here: https://finbodhi.com/docs/blog/benchmark-scenarios

NOTE: you can try demo without signup, but it doesn't work in Firefox Incognito mode.

https://finbodhi.com — Helps you track, understand, and plan your personal finances — with a double-entry accounting. You own your financial data. It’s local-first, syncs across devices, and everything’s encrypted in transit. Supports multiple-accounts (track as a family or even as an advisor), multi-currency, a custom sheet/calculator to operate on your accounts (calculate taxes etc) and much more.

Most recently, we added support for benchmarking and us stocks, etfs etc.

Benchmarking is an interesting topic. I am not sure why but most personal finance tools are quite bad at this. Our benchmarking tool allows you to understand how your underlying portfolio is doing, vs how your timing decisions are fairing. Portfolio comparison is done with NAV chart (nav calculation is same as what mutual funds use). And value chart in comparison with nav chart, helps you understand if your timing decisions are helping.

NOTE: you can try demo without signup, but it doesn't work in Firefox Incognito mode.

you can email me at ping@ciju.in, we can setup a call via email.

Location: Bangalore, India Remote: Yes Willing to relocate: No Technologies: TypeScript/JavaScript, React, Elixir, Terraform. Can pickup tech (have touched zig, clojure, go, python, ruby) Résumé/CV: https://www.linkedin.com/in/ciju-cherian/ Email: ping@ciju.in Github: https://github.com/ciju

I am looking for short term consulting work only.

I am building https://finbodhi.com, a local-first pwa, double-entry accounting based personal finance app. As consultant, I have setup infrastructure (prod/staging) for an AI startup, using terraform, and helping with concurrency issues in python code, etc. For another client, I had replaced there gcp infra located in US, to Mumbai, while also migrating the infra to terraform, with a few min downtime. I often work with TypeScript. And some occasional Elixir. Also interested in visualizations (e.g https://ciju.in/writings/population-census-2011-a-visualizat..., https://ciju.in/writings/understanding-financial-functions-e...). I was working as Engineering Manager till few years back. Before that I was running a consulting company (https://activesphere.com/). Comfortable picking up technologies. Would love to be involved in exploration projects, visualizations or complex domains where essence of the problem needs to be understood to build software around it. Or else would prefer projects with active users.

Few things I have written about:

https://ciju.in/writings/2021-09-on-time-clock-and-ordering-... https://ciju.in/writings/understanding-timezones https://ciju.in/writings/understanding-financial-functions-e... https://ciju.in/writings/population-census-2011-a-visualizat...

More at: https://ciju.in/writings

We wrote about it here: https://finbodhi.com/docs/understanding-double-entry

It's just a convention to be able to capture the flow of money. Roughly, money comes in via Income, stays in Asset, goes to Expense (there is also Liability and Equity). Let's consider a home, as an asset. You could have got it with your own money (`Asset:Bank -> Asset:House`), or by taking a loan (`Liability:Home Loan -> Asset:House`). Both have very different implications. If you are just tracking current value of home, it won't capture the whole picture. E.g. if you want to sell the house, the price is going to be different in both cases.

Double entry is just a way to track the flow of money from these different categories of account. Once you have that, you can do a lot over it, generate all kinds of report that companies can use to understand their operations (and to share with investors).

There are even attempts to go beyond with triple-entry account, etc. I think the way to look at it is, companies need a way to understand and report the flow of money, the current state etc. Double entry helps with that. And they way it helps, it to keep track of both where money came from and where it went.

https://finbodhi.com — It helps you track, understand, and plan your personal finances — with a double-entry accounting. You own your financial data. It’s local-first, syncs across devices, and everything’s encrypted in transit. Supports multiple-accounts (track as a family or even as an advisor), multi-currency, a custom sheet/calculator to operate on your accounts (calculate taxes etc) and much more.

Soon, we will have benchmarking capability. You would be able to compare your networth growth with inflation, compare your investment returns with benchmark etc. We would support both nav and value based benchmark. The topic is interesting in itself, and somehow, not emphasized/available in most tools.

Asset price fetching and benchmarking works best for Indian markets. We would like to build better support for international assets and benchmarks, but haven't figured how to get the data.

NOTE: you can try demo without signup, but it doesn't work in Firefox Incognito mode.

Import is done locally. No 3rd party is involved. We have build custom importer. e.g you can import a csv and map it's columns to what we need internally. We also allow some logic in importer. E.g. to figure if a row is credit or debit. etc. It should be feasible to import most csv statements. PDFs and Excels should also work, except for some complicated cases where a transaction is spread across multiple rows.

There are a few custom importers also, for indian context.

We have been building https://finbodhi.com/ a local-first browser app (PWA) for personal finance, based on double-entry accounting.

FinBodhi uses double entry so complicated set of transactions and accounts can be modeled (which happen often enough in users financial journey). We wrote about double-entry here: https://finbodhi.com/docs/understanding-double-entry

We do use online services like firebase for auth, and some service to fetch commodity prices etc. But all your financial data is on your system (we use sqlite over opfs, in browser). For synching across devices, that data is encrypted with your key before it leaves your device. You can backup the data locally (if you are using chrome) and/or to your dropbox. It's designed so that we (the people building it) can't access your data.

There are many more features, like multi-currency, visualizations, a sheet to use your data to do complex calculations like taxes, planning for your future etc.

Feel free to try it out with the demo account (no sign-in required). Note: app doesn't work in Firefox private mode.

they also have apps for mobiles: https://somafm.com/mobile/

I understand your hesitation. But there are already user using it on a regular basis, who care about privacy but trust us to have the auth centralized. It's not for everyone, but it's what we plan to do, at least for near future.

It's local-first in the sense that all your financial data is local (synched across your devices), and backed up to your dropbox. Firebase is for auth (e.g. for us to know who you are, manage subscription etc). None of your financial data is kept there. We don't have a decent way to set up and track subscription without that central piece (firebase).

In other words, when the company goes down, there are two concerns:

1st whether you will have access to your data. Yes, and no one else has access to it.

2nd whether you will be able to use the app. We plan to open-source the app when/before that happens. This part, you have to trust us. We don't see an easy way out of this, yet.

1. No current plans for native mobile app. We plan to make the web app somewhat usable on mobile, soon. Eventually, yes we would like to have a native app also.

2. We have few banks supported (HDFC, ICICI). We have custom importer also, where you can define how to map a file to the fields we use. Note that import is manual. E.g. we don't scrape your bank etc. You export statement (like hdfc pdf statement, or zerodha transactions csv) and import it into the software.

To answer rest of your question, we are using official sqlite (via evolu). We don't have a fallback for opfs. But opfs seems to supported in most browser. https://developer.mozilla.org/en-US/docs/Web/API/File_System... Although, seems like the private mode in Firefox is related to opfs, so we might not be able to solve it. But again, most users won't use the app in private mode.

Are you trying it in private mode? We found an issue there. Normal mode should work. We will fix the issue with private mode in a future release.

Sorry, we are not open-source. Also, it's free to use till beta :) although there would be a free plan even after that. We don't plan to open source it till we have enough momentum to support ourselves with the project. This is for profit project. Your data is yours but the software is ours, till the revenue supports us. After which we do plan to open-source it.

https://finbodhi.com — It helps you track, understand, and plan your personal finances — with a double-entry accounting. You own your data. It’s local-first, syncs across devices, and everything’s encrypted in transit. Supports multi-currency.

We are in it for long term. Not a startup, not looking for investment. Just plain paid product (free while in beta) by a few people. We have a few active users, and are looking for more before we remove the beta label :) It's a PWA app. Currently targeted for desktops. For personal software, I think local-first makes a lot of sense.

https://finbodhi.com — It helps you track, understand, and plan your personal finances — with a proper accounting foundation.

It's a double-entry personal finance tool where you own your data. It’s local-first, syncs across devices, and everything’s encrypted in transit. Soon with multi-currency support. Currently targeted for desktops.

It's interesting in many way. Using double-entry (it's a perspective shift and a power tool), the challenges and advantages of building local-first app, UI/UX & visualizations, privacy and more. For personal apps, local-first is a good fit.

We have been building a local-first browser app (PWA) for personal finance, based on double-entry accounting. https://finbodhi.com/

It's not always offline. We do use online services like firebase for auth and subscription, and some service to fetch commodity prices etc, but rest of the data is stored in browser storage (sqlite) and backed to local disk and dropbox. We also syncs data across devices, always encrypting data in transit. We use Evolu for sync.

For most personal applications, this model seems to fit. If you figure out sync, the development model is actually nicer than web apps. There is no need for dealing with calls over network for each action. It does make some things more difficult. Debugging, migrations etc.

It might be that you’re trying it in Safari’s private mode. It works in regular mode, but private mode blocks storage, so the app can’t function there. We should improve the error message to make that clearer.

That said, the app is currently designed for desktop use—mobile UX is still on our roadmap.

As for signup: it helps us track and bill users. Building our own auth system for local-first would’ve been a full project on its own. Until better options exist for authorization and billing in local-first apps, we’ll stick with a cloud signup flow.

We have been building a local-first browser app (PWA) for personal finance, based on double-entry accounting. https://finbodhi.com/

We do use online services like firebase for auth, and some service to fetch commodity prices etc, but rest of the data is stored in browser storage (sqlite) and backed to local disk (and soon dropbox). We also syncs data across devices, always encrypting data in transit.

I think it's the way to go, for most personal data applications.