For me, the main reasons are:

- Core functionality hidden behind paywalls

- UX that feels bloated or optimized for upsells

- $100+/year pricing for some

- Needing multiple separate tools (budgeting, tracking, investments) with manual syncing and often no decent mobile app

I’m starting an open personal finance tool as a side project because I want something I’d actually stick with long-term.

Before locking myself into the wrong design, I’d love to hear from others:

- Why did you stop using finance apps (if you used any)?

- What features are must-haves vs. nice-to-haves?

- What made a tool “click” for you — or never click at all?

Happy to hear if this feels redundant or already solved better elsewhere.