i built cashmonki, a personal finance app for people who know they should budget but hate doing it.

most budgeting apps fail me in two ways:

they require too much manual input

they feel abstract, so i ignore them

cashmonki is opinionated around fixing that.

what it does

scan receipts instead of typing expenses

simple budgets with clear daily limits

optional “roast” feedback so spending feels real, not theoretical

local-first storage. your data stays on your device

works offline. no bank syncing required

one small feature people like: you can set a daily budget for things like coffee, and it auto shows what that habit costs you per year. seeing “this latte is a $900/year decision” hits differently.

why i built it i kept losing money to forgotten expenses and “small” habits. spreadsheets didn’t stick. bank apps didn’t help me change behavior. i wanted something faster, lighter, and a bit more honest.

status

iOS app

free to use with limits

paid tier unlocks more history and features

no accounts required

site: https://cashmonki.app

i’d love feedback from hn on:

whether local-first makes sense here

what’s missing for power users

what would make this actually replace your current setup

happy to answer questions. thanks for reading.