Habitual Money - Track your spend across Venmo, Amazon & daily transactions

Huge thanks for hunting us @ryangilbert 🙌 👋 Hey PH! My name is Mahir and I’m one of the co-founders behind Habitual Money - www.habitual.money Quick backstory I’ve used nearly every budgeting app out there and I always find my monthly reports to be completely inaccurate unless I manually review and re-categorize every single transaction. This process is always tedious and painful - requiring multiple open tabs and discipline that I simply don’t have 😅 So I decided to build an app for myself that is designed from the ground up to easily categorize my transactions on the fly; and have since teamed up with @marius_chawa and @jordan_cheong to bring it to you! How does it work? Habitual takes a transaction-first approach to your finances. Our goal is to make it super easy for you to recognize every transaction, and assign it to the right category so you can see where your money is actually going 🎯 We’ve taken the essence of spreadsheets and put in a beautiful app that anyone can use. We make it super easy for you to: 💨 Review your spending in seconds. 🏆 Stick to your budget. 🤑 Track your true take-home income & savings. ⚡️ Auto-assign categories via our smart-rule engine (similar to gmail filters). 🤝 Integrate with your Venmo & Amazon accounts. 🚨 Spot and stop fraud. 🔔 Set daily reminders. 🏦 Connect all your bank & credit-card accounts. In short, we enable you to build strong money habits. Pricing & PH Promo We are currently opening up our beta to the public and haven’t started charging yet - so it's free until then 😎 However, if you sign up within the next 48 hours (between 3/3-3/4), we will automatically apply a 50% off for the first 3 months when we do! We will also offer a free year for students & medical residents 🎓 FAQ You want me to manually categorize everything? How long does that take? - On average, our users categorize their transactions in under 40 seconds. Smart rules take care of all the heavy lifting - allowing you to focus on the one-offs. We like to think of Habitual as the Superhuman for your finances. Are you available on iOS & Android? What about desktop? - Yup! We are available on both app stores today for USA users only. We don’t have a desktop version yet but it's definitely under consideration. Who do you use as a bank aggregator? - We currently use Plaid which works with most US banks. We would love to expand to other regions someday but are a small bootstrapped team of 3 today. – We’re really excited to hear what you guys think! Feel free to drop us a line in our active Discord (https://discord.gg/6E8nbsuUx7) or down in the comments below - we are very open to feedback & feature requests. Happy to answer any questions you may have 🤗

Hey Habitual Money team! The progress you made in the last few months is incredible. I remember early wireframes and notion specs, so seeing it now on product hunt makes my heart soar! LFG!

I've been tracking my expenses on spreadsheets for the last few years. This looks like a lifesaver. Congrats on the launch!

I've known Mahir since college. Bright as they come. Excited to see someone I know post on PH. Definitely going to download this app as I navigate to help with budgeting & expenses as I navigate my adulthood - marriage, mortgages, & adulthood! Congrats, Mahir!

I can't wait to try it out 🔥, congratulations on the launch!

Definitely need this! Congrats on the launch 🚀

Congrats on the launch @mahir @marius_chawa @jordan_cheong! Love the app features and downloading it right away!

I've been following Habitual Money's journey since its inception and the team's ability to execute has been exceptional. They have identified a clear and growing market of young adults in need for a mobile-first budgeting solution to bring visibility and peace of mind to a rapidly changing financial landscape. The product is evolving very quickly and the monthly email updates are packed with progress. I'm looking forward to seeing this app in the hands of more people!

For a person like me who's a big spender and keeps subscribing to different platforms this product is definitely much needed

Been following Mahir's work on Habitual since its inception. Very excited to see it out now, and I'm sure people will love it!

Congrats on the launch Mahir & team!

I've been looking for an app like this for a long time. Habitual is quickly becoming a key piece of my personal finance system. The Amazon and Venmo integrations save me a ton of time categorizing transactions. For some reason Smart Rules have always been a clunky feature in other apps, but Habitual has been dialing in the UX. Excited to see where @mahir and team take it from here.

@mahir excited to see it launched publicly - If you want to build better money habits, Habitual is huge!

Been using Habitual since it was on TestFlight. It’s both simple and feature-rich. I think it’s the perfect balance for a budgeting app.

Love it! this is so stupidly needed right now.

Congrats on the launch! Habitual is amazing

plan to try it and comment back in a month :)

This app is a must for anyone that wants to dive deep on how their money is being spent, super easy to use, updates have been getting pushed out constantly! 10/10

@mahir Habitual is built for those people that really want have savings on autopilot and not be stressed eating out or buy something online not knowing if they will be on track or not. Super excited to see what Habitual become but it's already pretty freaking amazing!

So good! Just what I needed for my budgeting goals :)