it's all free, open source, and local-first. you can get a hobbyist tier plaid account and sync your accounts, or use csvs. rules-based categorization, spending trends, FIRE/savings-rate health view, etc.
there's also an mcp server so you can hook it up to claude/cursor and just chat about your finances. and a "canvas" feature where you describe a financial question and an agent builds you a custom calculator for it (e.g. amortization, compounding, what-ifs).
honestly it has all the features i want so i'm not sure what's next. i have a few contributors, always welcoming more.
https://github.com/tomfunk/fungible
Fungible is a terminal-based personal finance app that fills the Mint-shaped void in my life. It runs using your own plaid credentials (optional) and has its own integrated chatbot (also optional and BYO key).You connect banks via Plaid or import CSVs. Transactions get auto-categorized by rules you define. On top of normal categories there's a flexibility layer (fixed / flexible /...
So, in the first sense, I don't think it is "bad" because I believe this is exactly what the author was setting out to do in writing it. In the second sense, yes, it is a bad book in that I don't like it.
i feel like he has a specific agenda so it's hard to take everything he says at face value but that point seems reasonable.