Hi Product Hunt, I’m Ian, the maker of ThriftyOwl. 👋 When Microsoft discontinued Money, I never found a proper replacement. The alternatives were oversimplified mobile apps, or subscription services that treat your data as the product. ThriftyOwl started as a personal project to scratch that itch, and it’s now a cloud app for running a whole household’s finances. What you get: Every account in one place (current, savings, credit cards, mortgages), with split transactions and proper reconciliation Monthly budgets by category, plus annual budgets for insurance, holidays and other once-a-year costs A recurring bills calendar and cash flow forecasting, so you can see your future balance “What if” scenario planning and spending reports Choose your own currency Import your Microsoft Money file to bring your history across Works on any device in the browser, nothing to install One thing to be upfront about: there are no bank feeds, by design. ThriftyOwl never asks for your banking login. You add transactions yourself, import, and reconcile against your statements. That’s more effort than automatic feeds, and the trade is that your credentials stay out of the picture. Pricing: Free for up to 2 accounts, and there’s a 14-day Pro trial. Pro adds unlimited accounts, loan tracking, sharing with a partner or accountant (they don’t need a paid account), and read-only AI assistant access. I’d love to hear what’s missing for you, or what would stop you switching. I’ll be around all day.

Thrifty Owl

Manage your household finances efficiently with Thrifty Owl

Manage your household finances efficiently with Thrifty Owl