reddit · SideProject · 10-06 11:50 56 分 ← 返回列表

I built a private finance app for my household because every Canadian option wanted my bank password

Short version of the story: Mint died, I tried going back to spreadsheets, lasted about a month. YNAB felt like paying rent on my own data. And every aggregator-style app wanted my online banking login — which my bank's own terms tell me not to share. So last week I started building FinVault: a self-hosted household finance app that's import-only by design. You download your statement from the bank's website (the QFX/CSV/PDF export you already have), upload it, and sort everything with one

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痛点：注重隐私的用户不愿把网银账号密码交给第三方聚合器，同时Mint关停、YNAB订阅制让用户觉得在为自有数据持续付费，缺少加拿大本地化（TFSA/RRSP/FHSA额度、报税汇总、法语界面）的纯导入式自托管记账工具。

目标用户：注重隐私的加拿大自托管用户与家庭记账者，尤其是从Mint/YNAB/Actual Budget/Monarch迁移、拒绝银行直连的人群。

证据：every aggregator-style app wanted my online banking login — which my bank's own terms tell me not to share. / YNAB felt like paying rent on my own data. / It's deliberately built around how Canadians bank: TFSA/RRSP/FHSA contribution room, tax-time summaries, French UI

变现：自托管版一次性买断授权（含后续更新）；面向不想自己运维的用户提供年费托管/同步备份订阅；加拿大税务年度报表、多账户投资追踪作为付费高级功能。

MVP：2周MVP：QFX/CSV/PDF账单导入解析器 + 一键分类规则 + TFSA/RRSP/FHSA额度与净值看板 + 本地加密存储；再补一个YNAB/Actual Budget/Mint数据一键迁移器作为获客钩子。

竞品：YNAB、Actual Budget、Firefly III、Monarch Money、Lunch Money、PocketSmith

摘要：作者因Mint关停、不满YNAB订阅模式和聚合器索要网银密码，用一周时间做出自托管、纯导入式的家庭记账应用FinVault，主打加拿大本地化（TFSA/RRSP/FHSA额度、报税汇总、法语UI）。帖子仅发布一周、无收入与付费意愿数据，但隐私+自托管+加拿大税务的细分定位在拥挤的记账赛道中仍有空间。