Learnberry
Hey, I'm Dat. This is a very simple and free tool I made to track my personal finances and run a couple of basic financial models. I built it for myself but decided to hare it it in case someone might find it helpful.
Housekeeping:
- No bank connections. Everything is manual. Your banking credentials never touch this site.
- No data selling. Your numbers stay yours. You can export everything as JSON or delete your account anytime.
- No accounts required to try. Everything has some placeholder data when you’re signed out. Sign in if you want to save your own numbers.
- No ads.If you find this useful and want to support it, there’s a Buy Me a Coffee link below. Otherwise, just enjoy it!
What’s here
Models
Two financial models because these two questions are all I ask myself everyday.
- Debt Paydown Compare paying minimums versus snowball versus avalanche strategies across multiple debts. Add debts, set an optional extra monthly budget, and see when each debt clears and how it affects cash flow and or interest.
- Home Model Project when you can buy a home based on savings rate, current debts, existing home equity, and expected appreciation. Loads data from the above Debt Paydown model. Timeline accounts for when debts clear and money becomes available for savings.
I might add more models over time if I find myself needing something new.
My Finances
The data layer that the models pull from. You can use these on their own however you do need to sign up to save data. Useful just for regular personal finance tracking.
- Accounts Add any accounts (checking, savings, brokerage, retirement, property, mortgages, loans, credit cards, etc.). Update balances once a month and app keeps track of the history. Nice to see growth over time.
- Net Worth Net worth over time, broken down by category. Pulls straight from account balances.
- Cash Flow Recurring income and expenses with forward projection. Shows overview, 2 month timeline, long-term projection with debt payoff scenarios, and a monthly calendar. Good to see what's coming up and how much is safe to spend.
Trackers
Freeform expense ledgers.Completely separate from your main accounts. Totally open ended. Just useful if you want to keep tabs on anything at all like discretionary spending. Can export to csv if needed.
Learn
Documentation of how each model works. And general overview of personal finance concepts.
How to use it
- Try it signed-out first if you want. Every page has placeholder data so you can see how it works.
- If it looks useful, sign in (magic link, password, or Google). That lets the app save your data.
- Add your accounts, log balances, set up your recurring income and expenses. Takes about 15 minutes the first time.
- Run the models with your real numbers.
Why no bank connections?
A few reasons. Bank aggregators (like Plaid) require your bank credentials, which I don’t want to be responsible for (at all). They also charge per-user, which would force me to charge you which is kind of counter intuitive for a personal finance tool. And every aggregator-based app eventually sells data, runs ads, or trains AI on your transactions. Manual entry takes a few minutes a month and avoids all of that. Come to think of it, this is just a glorified excel spreadsheet.
Contact
If something’s broken or you have feedback, let me know. I’m a solo developer building this in my spare time, so response times vary, but I'll try to keep things updated. I built this so I could use it everyday anywya.
If you want to support it: Buy Me a Coffee. Or don't! Up to you. Either way I hope someone finds this useful.