Simple Finances
Simplify your finances!
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SimpleFinances - It is not a spending problem. It is a visibility problem.

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SimpleFinances connects to your bank accounts and shows every payment hitting them, organized by category, so invisible patterns become visible. It flags recurring charges you forgot about, forecasts low-balance days before they hit, tracks net worth, and recaps what changed each week. No spreadsheets, no manual entry — just your real transactions and the next step to fix what is leaking. 700+ people have signed up. You do not have a spending problem. You have a visibility problem.

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Hey Product Hunt 👋 I am Jonah, the solo founder of SimpleFinances. I built this because personal finance is barely taught anywhere. We hand college students five figures of debt with no instruction, then wonder why so many people struggle with everyday bills and reach retirement with almost nothing. That genuinely breaks my heart, because none of it is a character flaw. You are not bad with money. The systems around you are engineered to extract it, and the fix is visibility, not willpower. The problem I set out to solve was simple to state: money disappears with no clear explanation. A forgotten $14.99 subscription, delivery fees that turn a $14 order into $34, small leaks that quietly become thousands a year. You cannot fix what you cannot see. My approach changed a lot along the way. The first version just showed your transactions organized by category — and I learned quickly that charts alone do not change anything. Every finance app shows you a dashboard and stops. So the product evolved to always land on the next step: flagging recurring charges you forgot about, forecasting low-balance days before they hit, and recapping what actually changed each week. Connect your accounts and you get a full picture in under five minutes. 700+ people have signed up so far, and the moment that keeps me going is when someone finds a charge they had been paying for months without knowing. I would love your feedback — especially on what would make you trust an app enough to connect your bank. I will be here all day answering questions. See where your money actually goes: start your free trial at SimpleFinances.co

 Upvoted. I appreciate that you're focused on helping people take action instead of simply giving them another dashboard, and that practical approach is what stood out to me. How do you detect recurring subscriptions accurately when merchants change their billing names or charge amounts over time?

Maker

 Nick, thank you for the kind response. Actionable steps are exactly what I strive to provide as that's how people make real progress on their financial journey!

I detect recurring transactions by comparing historical purchases, ideally for more than a year so annual subscriptions are caught. For the name changes, I detect the base business name - Amazon, Amazon LLC, etc. can all be grouped together. If there are low confidence items, I also give an alert so it can manually be verified by the user.

UPVOTED!!! i thought it was interesting that you realised dashboards alone don't change behaviour. helping people understand what to do next feels much more useful than simply showing them more data. congrats on the launch 👏