Original Summary

Most money apps want your bank credentials (or a Plaid-style connection that breaks every other month). I wanted the opposite: something that works from the statements I already download - PDF or CSV - with no account linking, ever. So I built personalCFO ( https://personalcfo.agency ). What it does: You upload statements from Chase, Amex, BoA, Citi, Cap One, Wells, etc. It builds one deduplicated ledger across institutions Chat answers are grounded in code-run totals (the model reads the numbers; it does not invent the arithmetic) Multi-income classification (salary / freelance / rental / gig) so mixed W-2 + 1099 months are not one blurry "deposit" An Insight Feed that proactively flags subscription creep, likely duplicate charges, and cashflow risk - without waiting for you to think of the question Privacy stance I care about: no bank credentials requested, data encrypted at rest, account numbers masked, not used to train a model, not sold. I am looking for blunt feedback from other makers: Does "no bank login + statement upload" land as a feature or a limitation in your first 5 seconds on the landing page? Would you trust an Insight Feed that surfaces subscriptions / duplicates on its own, or does that feel naggy until you opt in? What would make you try it for one messy multi-account month? Happy to share screenshots / walk through the import flow in the comments. Roast the positioning if it is unclear.   submitted by   /u/amitghosh80 [link]   [comments]

中文概览

中文标题： 我构建了一款从不索要银行登录的个人理财应用——上传PDF、计算由代码完成，Insight Feed在你开口前就标记订阅蔓延

作者开发了personalCFO：用户上传Chase、Amex、BoA等银行的PDF或CSV对账单，即可生成跨机构去重账本，全程无需关联账户。聊天回答基于代码计算的总数，支持多收入分类（工资/自由职业/租金/零工）。Insight Feed会主动标记订阅增长、疑似重复收费和现金流风险。作者向其他创作者征求对定位与信任度的坦诚反馈。

  • 情报分类：开源项目与落地
  • 分类依据：作者自建应用并征集反馈，属项目展示与落地讨论
  • 信息来源：Reddit · SideProject
  • 发布时间：2026/9/28 12:12:10