I was looking to refresh my personal page last weekend and ran into bento.me, which was shutting down today.So, like any sane engineer in 2026, instead of looking for what was out there, I decided to ask Claude to build me a clone that I could use.Meet Kumiki (a traditional Japanese woodworking technique that translates to "joining wood together"), your link-in-bio site builder that lets you...
Doing it cross-platform is interesting to say the least :)
We pretty much have feature parity at this point. The small differences are that InstaBudget has mobile apps and lunchmoney has reports (there are other small differences). Both of those are easy gap to fill.
That being said, the major differentiator is that InstaBudget is based on zero-based budgeting whereas lunchmoney has "soft" budgeting.
So in a way we're not competing for the same users.
Interestingly enough I did have a free option before.
As you pointed out, the feature set in the free version felt so limiting and it added a lot of complexity in the application itself as well that I decided to get rid of it. There is also the school of thought about how paying customers are important to validate the idea compared to customers not paying.
I hesitated a while on the duration of the free trial period and you're right 14 days is probably too short to really evaluate a budgeting solution. A budget takes time tailoring anyway.
Pricing was mostly done based on competition, it's difficult to gauge the actual cost per user without any users other than myself. I'm forecasting the main cost to be on Plaid (though right now that'd be for US and CA only)
Out of curiosity, do you use a self-hosted or desktop personal finance solution? If so which one?
This is definitely something I loved about desktop YNAB.
FYI, until I read this comment I had no idea what the app would do, and even now I'm not too clear on what I would get out of the evaluation session.
Good luck, we need more mental health tools out there.
* Django Backend
* React + Bootstrap in Typescript for the web frontend
* Flutter in Dart for the mobile applications.
* It is running on Digital Ocean with a Postgres database.
InstaBudget is a personal finance tool to budget and track expenses. It's using zero-based budgeting, aka envelope budgeting, methodology.
It supports: * auto-importing transactions from banks thanks to Plaid
* automatically categorizing transactions
* multi-currency
I was a YNAB user for a long time but never liked the latest version, so "naturally" decided I could build something myself.
I was using cloudflared but wanted a dedicated tool for doing this simple conversion.
It is written in go to allow for easy and quick cross-platform support.
Find the source and binaries at https://github.com/poitch/prodoh