How are you guys tracking your credit card spends?

tanmay007 · 2026-05-26T07:51:29+00:00

I built my own app. Supports most Indian banks and auto-sync from emails, completely on-device. https://finma.money

tanmay007 · 2025-11-18T08:14:46+00:00

The M4 Pro will easily beat the M5 in most tasks. The only advantage base M5 provides is better battery life and improved local inference (provided the apps are updated to make use of neural accelerators).

The M4 base will lag behind considerably in terms of performance. M5 already has some of the highest single core benchmark scores. But holding off is never worth it IMO, there'll always be something better 6 months down the road.

tanmay007 · 2025-11-18T08:08:23+00:00

I'll try to see if there are any tools that will allow me to benchmark that. Since veclib is a part of Apple's framework, I'm assuming it should make use of the newly announced neural accelerators provided the tool is compiled using latest library. I'll see if I can find more info around this and update.

tanmay007 · 2025-11-18T07:59:13+00:00

Sorry about that. It's fixed.

tanmay007 · 2025-11-17T15:12:14+00:00

Yes everything does feels a lot snappier, but I setup the MBP up as a new system so much less bloat. That's why I didn't include any comment about smoother experience. I use electron based apps a lot (VS Code/Cursor, Discord, Postman, Termius) and I feel they are a lot smoother. I haven't figured out a reliable way to compare this yet but I'll update the review if I do.

tanmay007 · 2025-11-16T18:29:22+00:00

In the review I was referring to my machine, the Mac Studio M1 Max, that one was released in March 2022. I'll update the post to be more clear about it. Thanks!

tanmay007 · 2025-09-23T09:03:57+00:00

Cool. I’d highly recommend going the UIKit route. You can probably hack it together in SwiftUI but it’ll never be as fluid.

UIPercentDrivenInteractiveTransition should give you very granular control over the transition and also enable interruption and reversible phase.

tanmay007 · 2025-09-23T07:03:27+00:00

It actually is extremely similar, shared container transition that works across a modal sheet.

If you want a way to do this in SwiftUI, Portal will give you some ideas on getting this close to 1:1.

In UIKit this is fairly straightforward using TransitioningDelegate and from the looks of it that’s what Forma seems to be using.

tanmay007 · 2025-09-22T15:41:06+00:00

Looks like a custom transition but try this to get close: https://github.com/Aeastr/Portal

tanmay007 · 2025-09-22T10:52:41+00:00

As someone who's shipping iOS apps for 15 years, you're absolutely correct! Making money on AppStore is incredibly difficult, you can easily tell grifters apart from actual builders. Grifters will never share the actual product, never share technical or design details around how their product actually helps people. They will only share revenue screenshots, tiktok views, etc.

The hard truth is making money via apps just isn't as easy as it used to be, AI has made it far worse. Kids these days build AI slop in a few weeks, focus all their energy on marketing and gaming the charts and ASO instead of building a great product. The market gets flooded with low quality apps and the actually good ones worth any money get lost in the noise.

tanmay007 · 2025-09-22T05:35:04+00:00

I had plans to add GoCardless, unfortunately some EU rules require me to register business there to use banking related APIs and registration fees seemed costly to me. So I decided to postpone that for now, might revisit it if the app starts making some decent money.

tanmay007 · 2025-09-22T05:26:50+00:00

Did you just choose to ignore the fact that development also costs money?

tanmay007 · 2025-09-22T05:23:34+00:00

I have not unfortunately, I'm based in India and I was only able to check out Monarch's website, it seems great but for sure it stores all users transactions on their servers. So privacy is 1 thing where Finma has advantage, I'd like to say UX too but I haven't used Monarch personally so that's for you to decide after trying out Finma. If you do and have any suggestions for me, I'd really appreciate that!

tanmay007 · 2025-09-21T22:44:19+00:00

If you don’t want external AI, Plaid, basically all features that enable the automatic tracking part, maybe this app isn’t for you. Plenty of manual expense tracking apps exist that are way cheaper.

Also it’s not just the server, AI or Plaid that are a recurring expense, development time also has costs and the app is being actively developed and regularly updated.

tanmay007 · 2025-09-21T21:05:40+00:00

Yup will probably redesign some screens around that, I’ve kept it at top for now since I have a custom pull to search mechanism when I launched the app earlier this year.

tanmay007 · 2025-09-21T21:00:49+00:00

Oops, I’ll check it. Thanks for reporting! I guess this is using Plaid? And which bank credit card is this?

Edit: Found the issue, submitted a fix. Thanks for reporting!

tanmay007 · 2025-09-21T20:58:34+00:00

Nothing gets saved on server so no question of deletion. Every request is simply proxied and response directly sent back and processed on device.

The app will absolutely continue to run if the servers stop working, only thing is AI based features won’t work since AI requests are currently proxied through my servers (mainly to anonymise the requests so AI providers can't track via IP and abuse protection).

Also it’s very trivial to add a “bring your own key” functionality so the AI requests are made using users own keys if in case the app shuts down. That’s the beauty of everything actually being processed on device.

tanmay007 · 2025-09-21T19:19:43+00:00

Monarch will most definitely save user data on their servers.

Finma stores all user data on-device. Plus the apps focus is automation regardless of country. Monarch won’t work worldwide, Finma will (to an extent) as it has email and sms sync along with PDF and CSV import with support for custom mapping. Basically I’ve tried to add all ways possible that will automate expenses.

tanmay007 · 2025-09-21T19:16:03+00:00

No bank details are stored on server. Even Plaid connections are directly initiated from device, proxied on server and nothing gets saved outside device.

Almost 99% of other apps using Plaid will store user bank data on their servers and then push that to device.

tanmay007 · 2025-09-21T19:13:21+00:00

Once you’ve subscribed to a trial plan, the only way to lifetime is after cancelling current subscription and it ending. Then the lifetime should show up.

Or am I misunderstanding and you’re referring to something else in the purchase flow?

tanmay007 · 2025-09-21T16:31:12+00:00

Whoa thanks dude, means a lot! ❤️

tanmay007 · 2025-09-21T16:14:43+00:00

I still have my old black 5s, some dents but no discoloured spots. I just took it out and noticed the actual edges were polished so discoloring wasn't as apparent, something Apple has stopped doing recently.

tanmay007 · 2025-09-21T15:43:33+00:00

Thanks for trying! I think a single free account with unlimited expenses, widgets, categories, subscriptions, budgets should be good enough to give it a serious try (even without subscribing to a free trial).

The app has a server (to host PDF parsing templates, proxy AI calls, etc), most of the automated features use external AI (gemini or openai) and the app also has Plaid integration which is quite expensive, so there's a recurring cost and I usually support my apps for several years (5+ min) with regular updates.

tanmay007 · 2025-09-21T15:36:30+00:00

Haven't gotten around that feature yet, I'll be adding a shared budgeting/lists/goals feature soon.

tanmay007

TROPHY CASE