{"slug": "simplefin", "name": "SimpleFIN", "category": "finance", "category_name": "Finance", "description": "", "recommenders": 7, "commenters": 8, "warners": 1, "score": 5.152, "rising": -0.96, "first": "2025-11-21", "latest": "2026-10-14", "why": "You could add support for something like simplefin.org, which provides an API for connecting to many different financial orgs.", "why_is_quote": true, "has_verdict": false, "sentiment": {"recommend": 8, "neutral": 0, "compare": 0, "warn": 1}, "spark": [3, 1, 0, 0, 0, 2, 0, 1, 0, 0, 0, 1], "listed": true, "loved": [], "caveat": "", "short_quote": "You could add support for something like simplefin.org, which provides an API for connecting to many different financial orgs.", "kind": "", "icon": true, "domain": "simplefin.org", "github_repo": null, "official_url": "https://www.simplefin.org", "pricing": "", "aliases": ["SimpleFIN"], "verdict": null, "praise": [{"label": "", "summary": "", "quotes": [{"id": 801295216, "item_id": 50080951, "url": "https://news.ycombinator.com/item?id=50080951", "by": "cortesoft", "date": "2026-10-14", "version": null, "stance": "recommend", "quote": "You could add support for something like simplefin.org, which provides an API for connecting to many different financial orgs.", "excerpt": "You could add support for something like simplefin.org, which provides an API for connecting to many different financial orgs. It is what I have been using for my local setup with Actual budget.", "context": "uses a local budgeting setup", "use_case": "bank account connectivity API", "switched_from": "", "story": "Show HN: Pulse Local, a Mac budgeting app whose AI models run on your machine"}, {"id": 775635136, "item_id": 48477196, "url": "https://news.ycombinator.com/item?id=48477196", "by": "dgrin91", "date": "2026-06-10", "version": null, "stance": "recommend", "quote": "but its good enough and the price was cheap enough that I just bit the bullet", "excerpt": "Honestly my biggest pain point with all personal accounting systems was that there was no easy, free way to automatically pull my transaction data from all my accounts into a single, local file that I can play with as I want. I really don't want to go to all my accounts every month and click download. There still isn't, but I did recently find simplefin(https://beta-bridge.simplefin.org/). Its not great (e.g. quota o", "context": "", "use_case": "", "switched_from": "", "story": "GnuCash is right. It's also why I built my own finance app"}, {"id": 766411393, "item_id": 47900712, "url": "https://news.ycombinator.com/item?id=47900712", "by": "mapBasketWand", "date": "2026-04-25", "version": null, "stance": "recommend", "quote": "I use that to track credit card spending and my checking account.", "excerpt": "Have you tried Actual budget + SimpleFIN as a bridge to get your transactions out of banks? I use that to track credit card spending and my checking account. Then you can connect an mcp to do analysis of the data from one place if that\u2019s what you want", "context": "", "use_case": "Bank transaction syncing", "switched_from": "", "story": null}, {"id": 738095553, "item_id": 46130972, "url": "https://news.ycombinator.com/item?id=46130972", "by": "nirvdrum", "date": "2025-12-02", "version": null, "stance": "recommend", "quote": "SimpleFIN\u00b9 looks compelling.", "excerpt": "Plaid still rubs me the wrong way. Not selling to 3rd parties is great. But, everyone uses it, so that's still a lot of people getting data I don't necessarily want them to have. If I want to link a bank account to a credit card account in order to pay my bill, there's zero reason for that credit card company to have access to my bank transaction data. I still do the ACH deposit verification method where I can in ord", "context": "", "use_case": "", "switched_from": "", "story": "Show HN: Wealthfolio 2.0- Open source investment tracker. Now Mobile and Docker"}, {"id": 736158832, "item_id": 46009927, "url": "https://news.ycombinator.com/item?id=46009927", "by": "nirvdrum", "date": "2025-11-21", "version": null, "stance": "recommend", "quote": "The integration is pretty good.", "excerpt": "Actual Budget uses SimpleFIN [1] in the US. The integration is pretty good. The big alternative is Plaid and I don't trust them at all. It's a shame we don't have a standard for electronic banking yet. [1] -- https://beta-bridge.simplefin.org/", "context": "", "use_case": "US bank data access", "switched_from": "", "story": "Show HN: Wealthfolio 2.0- Open source investment tracker. Now Mobile and Docker"}]}], "caveats": [{"label": "", "summary": "", "quotes": [{"id": 786248032, "item_id": 49140502, "url": "https://news.ycombinator.com/item?id=49140502", "by": "zrail", "date": "2026-08-01", "version": null, "stance": "warn", "quote": "they made some surprising errors with some of my accounts (incorrect sign, completely missing some transactions)", "excerpt": "I spun up a simplefin sync tool recently and they made some surprising errors with some of my accounts (incorrect sign, completely missing some transactions). Also they don't do investments, which is problematic when our primary \"checking\" is actually a brokerage account. I found SnapTrade[1] which gives away a free personal account with up to 20 brokerage connections (i.e. logins, not accounts). I'm using simplefin ", "context": "", "use_case": "Bank account syncing", "switched_from": "", "story": "From MIT: AI financial advice is surprisingly good"}]}], "who": [{"by": "cortesoft", "context": "uses a local budgeting setup", "url": "https://news.ycombinator.com/item?id=50080951", "date": "2026-10-14"}], "tags": [], "use_cases": ["bank account syncing", "bank account connectivity api", "bank transaction syncing", "bank data sync", "us bank data access", "bank account data sync"], "compared": [{"slug": "actual-budget", "name": "Actual Budget", "co": 6, "switched_from": 0, "switched_to": 0}, {"slug": "plaid", "name": "Plaid", "co": 4, "switched_from": 0, "switched_to": 0}, {"slug": "wealthfolio", "name": "Wealthfolio", "co": 2, "switched_from": 0, "switched_to": 0}], "makers": [], "threads": [{"url": "https://news.ycombinator.com/item?id=46006016", "title": "Show HN: Wealthfolio 2.0- Open source investment tracker. Now Mobile and Docker", "mentions": 4}, {"url": "https://news.ycombinator.com/item?id=47894690", "title": "item 47894690", "mentions": 2}, {"url": "https://news.ycombinator.com/item?id=50080275", "title": "Show HN: Pulse Local, a Mac budgeting app whose AI models run on your machine", "mentions": 1}, {"url": "https://news.ycombinator.com/item?id=49139102", "title": "From MIT: AI financial advice is surprisingly good", "mentions": 1}, {"url": "https://news.ycombinator.com/item?id=48476514", "title": "GnuCash is right. It's also why I built my own finance app", "mentions": 1}], "sentiment_by_month": {"2025-11": {"recommend": 3}, "2025-12": {"recommend": 1}, "2026-01": {}, "2026-02": {}, "2026-03": {}, "2026-04": {"recommend": 2}, "2026-05": {}, "2026-06": {"recommend": 1}, "2026-07": {}, "2026-08": {"warn": 1}, "2026-09": {}, "2026-10": {"recommend": 1}}, "versions": [], "version_unnamed": 0, "family_ref": null, "runs_on": null, "lines": [], "quotes": [{"id": 801295216, "item_id": 50080951, "url": "https://news.ycombinator.com/item?id=50080951", "by": "cortesoft", "date": "2026-10-14", "version": null, "stance": "recommend", "quote": "You could add support for something like simplefin.org, which provides an API for connecting to many different financial orgs.", "excerpt": "You could add support for something like simplefin.org, which provides an API for connecting to many different financial orgs. It is what I have been using for my local setup with Actual budget.", "context": "uses a local budgeting setup", "use_case": "bank account connectivity API", "switched_from": "", "story": "Show HN: Pulse Local, a Mac budgeting app whose AI models run on your machine"}, {"id": 786248032, "item_id": 49140502, "url": "https://news.ycombinator.com/item?id=49140502", "by": "zrail", "date": "2026-08-01", "version": null, "stance": "warn", "quote": "they made some surprising errors with some of my accounts (incorrect sign, completely missing some transactions)", "excerpt": "I spun up a simplefin sync tool recently and they made some surprising errors with some of my accounts (incorrect sign, completely missing some transactions). Also they don't do investments, which is problematic when our primary \"checking\" is actually a brokerage account. I found SnapTrade[1] which gives away a free personal account with up to 20 brokerage connections (i.e. logins, not accounts). I'm using simplefin ", "context": "", "use_case": "Bank account syncing", "switched_from": "", "story": "From MIT: AI financial advice is surprisingly good"}, {"id": 775635136, "item_id": 48477196, "url": "https://news.ycombinator.com/item?id=48477196", "by": "dgrin91", "date": "2026-06-10", "version": null, "stance": "recommend", "quote": "but its good enough and the price was cheap enough that I just bit the bullet", "excerpt": "Honestly my biggest pain point with all personal accounting systems was that there was no easy, free way to automatically pull my transaction data from all my accounts into a single, local file that I can play with as I want. I really don't want to go to all my accounts every month and click download. There still isn't, but I did recently find simplefin(https://beta-bridge.simplefin.org/). Its not great (e.g. quota o", "context": "", "use_case": "", "switched_from": "", "story": "GnuCash is right. It's also why I built my own finance app"}, {"id": 766411393, "item_id": 47900712, "url": "https://news.ycombinator.com/item?id=47900712", "by": "mapBasketWand", "date": "2026-04-25", "version": null, "stance": "recommend", "quote": "I use that to track credit card spending and my checking account.", "excerpt": "Have you tried Actual budget + SimpleFIN as a bridge to get your transactions out of banks? I use that to track credit card spending and my checking account. Then you can connect an mcp to do analysis of the data from one place if that\u2019s what you want", "context": "", "use_case": "Bank transaction syncing", "switched_from": "", "story": null}, {"id": 766330096, "item_id": 47895631, "url": "https://news.ycombinator.com/item?id=47895631", "by": "8ytecoder", "date": "2026-04-24", "version": null, "stance": "recommend", "quote": "", "excerpt": "There\u2019s also this: https://beta-bridge.simplefin.org/. Very reasonably priced and it works great. Actual Budget uses it.", "context": "", "use_case": "bank data sync", "switched_from": "", "story": null}, {"id": 738095553, "item_id": 46130972, "url": "https://news.ycombinator.com/item?id=46130972", "by": "nirvdrum", "date": "2025-12-02", "version": null, "stance": "recommend", "quote": "SimpleFIN\u00b9 looks compelling.", "excerpt": "Plaid still rubs me the wrong way. Not selling to 3rd parties is great. But, everyone uses it, so that's still a lot of people getting data I don't necessarily want them to have. If I want to link a bank account to a credit card account in order to pay my bill, there's zero reason for that credit card company to have access to my bank transaction data. I still do the ACH deposit verification method where I can in ord", "context": "", "use_case": "", "switched_from": "", "story": "Show HN: Wealthfolio 2.0- Open source investment tracker. Now Mobile and Docker"}, {"id": 736158832, "item_id": 46009927, "url": "https://news.ycombinator.com/item?id=46009927", "by": "nirvdrum", "date": "2025-11-21", "version": null, "stance": "recommend", "quote": "The integration is pretty good.", "excerpt": "Actual Budget uses SimpleFIN [1] in the US. The integration is pretty good. The big alternative is Plaid and I don't trust them at all. It's a shame we don't have a standard for electronic banking yet. [1] -- https://beta-bridge.simplefin.org/", "context": "", "use_case": "US bank data access", "switched_from": "", "story": "Show HN: Wealthfolio 2.0- Open source investment tracker. Now Mobile and Docker"}, {"id": 736136561, "item_id": 46008535, "url": "https://news.ycombinator.com/item?id=46008535", "by": "NoImmatureAdHom", "date": "2025-11-21", "version": null, "stance": "recommend", "quote": "Get thee to SimpleFIN", "excerpt": "Get thee to SimpleFIN https://www.simplefin.org/ecosystem.html I think without sync with financial institutions it's going to be hard to grow a userbase. But this is very cool software! P.S.: I ctrl+f \"encrypt\" on your home page and no hits. It's banking / budget / money software, there should be a hit.", "context": "", "use_case": "Bank account data sync", "switched_from": "", "story": "Show HN: Wealthfolio 2.0- Open source investment tracker. Now Mobile and Docker"}, {"id": 736107379, "item_id": 46006711, "url": "https://news.ycombinator.com/item?id=46006711", "by": "brandonjcooper", "date": "2025-11-21", "version": null, "stance": "recommend", "quote": "SimpleFIN works well with actual", "excerpt": "I've used actualbudget for several years now after switching from Quicken. Actual is great for budgeting but my strategy has been to use a separate investment tracker to get a nice dashboard to look at. I haven't found one yet that handles account syncing seamless as I'd like... I've used Ghostfolio but I'm going to give this a try. On a side note; SimpleFIN works well with actual, and the person that runs the bridge", "context": "", "use_case": "bank account syncing", "switched_from": "", "story": "Show HN: Wealthfolio 2.0- Open source investment tracker. Now Mobile and Docker"}]}