Original Summary

Every budgeting app I tried solved the wrong problem for me. They connected to my bank, imported everything, categorised it, and at the end of the month handed me a chart. I still had no idea where the money went, because I had never been there when it left. So I built INOUT around the opposite decision: you add every transaction yourself, by hand, and it will never connect to a bank. That is the product, not a missing feature. The reason is narrow. A card tap takes one second and your brain does not register it as money leaving. Typing it in afterwards takes five seconds and it does. Everything after that moment, recurring bills posting themselves, upcoming charges held back out of the budget, one loan entry staying consistent across your debt and your net worth the app handles. What it does today: multi-currency accounts where each currency is a real balance, loans with principal and interest on one entry, a calendar of everything due, budgets, savings goals, CSV export. What it does not do, so nobody wastes their time: no bank sync, no importing your history, no iPhone or Android app, it installs to your home screen from the browser. Free to use, no card, no trial timer. I am not going to pretend this is for everyone. Roughly half the people who try manual tracking hate it. If you want something that records your spending for you, this is the wrong app and I would rather say so here than have you find out in ten minutes. useinout.com What I would actually like from this sub is the positioning, not the product: is "never syncs with your bank" a reason to try it, or a reason to close the tab?   submitted by   /u/PriorAcanthisitta167 [link]   [comments]

中文概览

中文标题： 我开发了一款永远不会与银行同步的个人理财应用

作者因预算应用自动导入后仍不知钱花在哪，做了INOUT：所有交易必须手动输入，永不连接银行；这不是缺失功能，而是产品定位。现支持多币种账户、贷款本息、到期日历、预算、储蓄目标与CSV导出；无银行同步、无历史导入、无手机应用，可从浏览器安装到主屏幕。免费且无需银行卡或试用计时。作者承认约一半人讨厌手动记账，寻求定位反馈：“永不同步银行”是尝试理由，还是关闭页面的理由？

  • 情报分类：开源项目与落地
  • 分类依据：作者自述开发个人理财应用，属个人项目发布与定位讨论。
  • 信息来源：Reddit · SideProject
  • 发布时间：2026/9/24 18:21:12