Balance
Level up your personal finance
Today, I’m excited to launch Recaps — a comprehensive monthly financial summary that helps you step back and understand your financial patterns over time. While Balance’s daily insights provide tactical awareness, Recaps gives you the strategic perspective needed to make informed financial decisions.
Monthly Financial Overview
Get a complete picture of your financial health with automatically generated monthly summaries. Each recap includes your net worth progression, spending breakdowns, account activity, and transaction highlights — all in one comprehensive view.
Interactive Cashflow Analysis
Visualize your income and expenses with customizable charts. Switch between line and bar graphs, toggle between inflow and outflow views, and compare current month performance against previous periods. Choose between daily transactions or cumulative trends to see your money movement exactly how you want.
Smart Category Insights
Understand your spending patterns with visual category breakdowns and trend analysis. Each category displays month-over-month changes with toggles to view percentage or dollar amounts, plus click-through access to detailed transaction histories for deeper insights.
Account Activity Summary
Track money movement in all your accounts. See which accounts had the most activity during the month, with starting and ending balances plus change percentages. Perfect for tracking investment performance and understanding how money flows through your accounts.
Transaction Highlights
Review your largest transactions to identify the major financial events that shaped your month. Spot outliers and unexpected expenses at a quick glance without digging through your entire transaction history.
Transfer Summaries
See account transfers and credit card payments in one unified view. Compare changes from previous months to understand credit card usage or saving patterns.
Recaps are available for the past 6 months, with new monthly summaries generated automatically going forward.
---
Check it out: https://balance.day/changelog/2025-06-28-recaps/
Hey there, thanks for stopping by!
I’m PD, the creator of Balance — a personal finance software designed to help you better understand your money.
Money is one of the most crucial aspects of our modern life. It drives how we make life decisions. Allows us to enjoy the things we love. Money impacts our overall well-being and gives us a sense of independence.
Moreover, the meaning of money evolves over time. In school, it may represent sustenance. As a young adult, it may be about saving up to buy a home. Later on, it may be associated with starting a family. Or traveling. Or retiring comfortably. The possibilities are endless.
Unfortunately, existing financial tools fail to acknowledge this dynamic nature. They present the same financial information without considering individual circumstances. They adhere to a one-size-fits-all approach, showing you the same data on day one and on day n. Additionally, they emphasize the details they deem necessary for you, feigning to have found the “right” way.
To overcome this, you rely on spreadsheets. Manually entering numbers and creating custom macros. You seek to view information that is relevant to you. On the other hand, some individuals neglect to review their finances altogether. Culpable to their past and scared to accept the reality.
That is why I’m building Balance. A modern yet familiar tool. Tailored for you! Having a personalized view of your finances is powerful. When life changes, you change what you want to see. You are in control.
That’s the vision behind Balance — making personal finance… personal.
Hey there! I’m thrilled to show you the first look at Balance! While Balance is still in its early stages of development, its goal is to help you gain an in-depth understanding of your finances.
Here’s what’s included in the first release.
Connect your financial institutions
Having all your financial data in one place is essential to taking control of your money. Balance allows you to connect your bank accounts directly inside the app. This syncs your transactions and balances from these institutions and makes finding answers about your finances easier. Balance currently works with over 10,000 US institutions through Plaid.
Review your dashboard
The dashboard gives you a bird’s eye view of your financial health. The “Breakdown” section shows your Income, Expense, Assets, and Liabilities for a given month. The “Net Worth” graph shows your financial trend. “Recent Transactions” display the 10 most recent transactions, giving you an insight into how and where your money flows.
Search through transactions
Balance’s search feature makes locating transactions easy and understanding what happened. You no longer have to log in to multiple bank accounts or sift through numerous statements.
Daily digests
Balance sends you a daily digest of all the transactions synced to Balance. This helps you keep track of unexpected expenses, fees, or other fraudulent charges.
Curious about security? Read the Security Overview to understand how your data is protected at Balance.
If any of this intrigues you, get on the early access list to receive an invite when Balance is ready.
Until next time ✌
Comment