Tender

The inbox for your finances

161 followers

The inbox for your finances

161 followers

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Budgeting apps

Tender is a new kind of personal finance tool centered around an inbox-zero workflow. With Tender you can review spending at your own pace without worrying that something might slip through the cracks.

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Launch tags:Web App•Productivity•Personal Finance

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Tender

Maker

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Hey all, I started working on Tender a year ago to help with my anxiety around my spending habits while funemployed last year. I wanted a way to convince myself that my spending wasn’t out of line, and my money wasn’t just disappearing into the void. Tender was my answer - a way to get myself to be more mindful of spending without worrying that I’d miss something. Some feature highlights: 🚄 A seriously fast UI that runs locally and supports mobile and offline mode ⚡ Keyboard shortcuts, bulk editing, and undo/redo for max product️ivity 💸 Get notified when the amount on your bill changes 🦾 A rules engine for quick automation 🤝 A Splitwise integration for easy splits for group trips, roommates, or your partner 🔐 Secure storage, sync, and login (we ONLY support biometric and google login to prevent phishing) 📥 Integrations with 12k+ banks via plaid (US/USD only for now) We’re running Tender as an independent, bootstrapped business so we can really put our users first. Tender is a paid app, and it means we never show you ads, never sell your data, and never compromise the product for the sake of investors. Right now, we’re offering discounted pricing for our early adopters - $4.99/month or $49.99/year (2 months free). I’m really excited to share what we've been working on! We have a live demo at https://demo.tender.run for you to kick the tires. If you have any thoughts, feedback, or feature requests I’d love to hear it - we’re just getting started. Stephen

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2yr ago

@stpnwn Hey Stephen, congrats on launching Tender on Product Hunt! It sounds like a fantastic tool for managing finances and tackling anxieties around spending. The focus on user privacy and a clean, fast UI is refreshing to see. Have you considered offering a freemium model with limited features to attract a wider user base and encourage upgrades? We might be able to offer some suggestions based on your answer to help Tender reach its full potential and empower users to take control of their finances. We're excited to try out the demo and see how Tender can help users gain a better understanding of their spending habits. Please let us know if there's anything we can do to help promote Tender on Product Hunt or within the personal finance community.

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2yr ago

Tender

Maker

@max_savonin1 - thanks for the note! We thought a little bit about how a free version might work, but we didn't want to compromise our ideals on it. For instance, the subscription fee we charge covers our on-going costs - for instance, linking with user's bank accounts comes with recurring fees for us. It's possible we could do a free version of the product that doesn't come with bank integrations if there's demand for it, but we suspect most folks want the automatic bank import.

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2yr ago

@stpnwn This is awesome! Couple questions - do you have an API that we can use? And do you have plans for a mobile app?

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2yr ago

Tender

Maker

@tony_xiao thanks! no api yet.. any thoughts on what you'd want do with one? Since we're building the app to work locally on your device, it's a bit tougher to say how we might support API-like interactions. We have a fledgling mobile support with our web app (works well with "add to home screen" tricks on ios/android: https://tender.run/install), but no plans for native app right now. We're hopeful that we can build a good mobile experience with the web platform.

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2yr ago

@stpnwn I'd want to use it to get data in / out of the system. Hmm is data not stored in the cloud at all? And if it's local only data what about backup? And finally perhaps there can be a local API?

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2yr ago

Tender looks great! I have over 10,000 emails in my inbox, hoping Tender can help me out🤣. Also, I'm curious, how does Tender ensure the security of user data?

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2yr ago

Tender

Maker

@bonvisions You know, the funny thing is we've heard all sorts of things from customers about how often they go through their inbox. I like to review my inbox every few days, but other folks have said they like to review each month. The nice part is that Tender works well to keep track of where you are, even if you have an inbox with 10k transactions. 😆 With security, there are a few dimensions. One is that we use the same encryption on disk and in transport your bank might to store user data in our backend. For logins, we originally opted to only support passkeys (i.e. face/touch id/biometrics only) to login, but we've compromised and also support sign in with Google now. We didn't want to support traditional passwords at all because they're too easy to phish and compromise. We also built Tender to work local-first, i.e. all of the operations involving your data (apart from bank import) happen on your device, which sets us up to support full end-to-end encryption in the future. There are a couple other small details here in our security guide: https://tender.run/security

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2yr ago

@bonvisions lookout for the Vella launch coming soon https://vella.ai -- we are putting the AI in Email 😎

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2yr ago

@stpnwn how do you link a passkey login to a stripe subscription?

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2yr ago

Tender

Maker

@yonz We have a small backend that does authentication and syncing tasks, so we associate the passkey credential and the stripe info there. We try to do as much as possible in the client, on device, but some things like auth, billing, and syncing need a server component.

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2yr ago

Congrats on the launch! Do you have plans to add tax calculation and for example a possibility to submit a tax self-assessment form? Do you have plans to cover the UK and Europe? I would recommend using GoCardless instead of Plaid in this region

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2yr ago

Tender

Maker

@laocool Thank you! We've been thinking about international expansion and when it makes sense to tackle - we actually just added a waitlist form on the website to gauge interest. In particular, we'll probably start with support for multiple currencies (my banks are in the US, but I spend euros too sometimes!) and then move into adding more banking partners.

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2yr ago

A very interesting and convenient tool, I wish you good luck in the development of this product! Tell me, can it be used, for example, to manage a family budget?

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2yr ago

Tender

Maker

@samsadlonka Thank you! You could use Tender for a family today, with a couple caveats. One is that we don't yet have multi-user support, e.g. if you wanted to give different family members user accounts to the same budget. The other is that while we have some basic reporting tools for spending categories, we haven't built out the budgeting side of the equation yet.

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2yr ago

Y-Sweet by Jamsocket

Congrats on the launch! I’ve been using Tender for about a month now and it’s a joy to use, going local-first makes such a tangible difference to how it feels as a user (compared to e.g. QuickBooks Online, which is dreadfully slow)

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2yr ago

Tender

Maker

@paulgb Thanks Paul! Glad to hear it's working well for you. It's interesting - for a bit I thought folks wouldn't care about the local-first angle as a technical detail, but I've been pleasantly surprised from the excitement about how fast we can make the app feel when there's no lag clicking around in it.

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2yr ago

Tender

Maker

Hello! I’m Yolanda and I’ve been working on Tender with @stpnwn for the past few months. It’s an incredible app, and I’m so excited that it’s finally being launched on ProductHunt for other people to discover and enjoy. As Stephen mentioned, we are super open to feedback, questions, etc. and would love to hear from you!

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2yr ago

I love Tender!!! I hated keeping track of personal spending and never bothered with it before. But Tender has made the process so easy and fast, that I now regularly get to inbox zero! With the rules that automatically categorize transactions and nice UI to quickly go through them, I can get through all my transactions in just a few minutes. And being able to do that on my phone when I'm out and have a spare min is really nice too. My boyfriend always nagged me about being more responsible about my finances, so Tender has really been a game changer.

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2yr ago

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