MyFina is home accounting for people who track money by hand. No "AI will figure it out for you" promises, no forced subscriptions, no bank integrations that break every other quarter.
Why yet another tracker
Most trackers fall into one of two camps: "nailed to a single bank and useless otherwise" or "universal — but so universal that filling them in takes longer than running an Excel sheet." Between those extremes is an empty space where a real user lives: mixed accounts (cash, card, bank, investments), several currencies, and a plain wish to see "how much did food cost in March."
What's inside
- Accounts and categories — without hierarchical madness, two levels max.
- Transactions — expense, income, transfer. Transfers between multi-currency accounts without manual FX pain.
- Budget — monthly plan by category; actuals are computed from your own transactions. No clever rules you'll forget in a week.
- Savings goals — a first-class entity linked to a real account.
What's deliberately missing
No "AI helpers" guessing categories from the description (we don't trust that guessing with money); no forced cloud backups without your say-so; no behaviour tracking. If we ever add something — it'll be in the release notes and on the privacy page, first line.
How to read this blog
Two threads. Personal finance as craft (planning, discipline, no magic) and the MyFina product (what's new, what we fixed, what we deliberately didn't).