Hi Hacker News!

My first iphone app is a simple personal finance utility. The interface lets you plug in the debts and savings goals you have, and the UI displays a dashboard to monitor those debts and savings.

Screenshots & UI: https://www.reddit.com/r/iOSProgramming/s/JfJjruelgR

App Store Link: https://apps.apple.com/us/app/downpay-track-debt-savings/id6...

My goal was to make the app easy to use but at the same time detailed and customizable. You can achieve the same results with a spreadsheet but I wanted to build something fun to use right from your phone.

There’s no backend, no user auth, or any dependencies on a server. This is purely a utility and all data is 100% private :) It is only saved locally on device and in iCloud.

User privacy and convenience is my #1 priority with this app. No data is collected, not even analytics :o If you run into a bug or crash, please submit a bug :)

Features: 1. Debt Manager: - Manage 14 types of debt in one place, including credit cards, student loans, auto loans, mortgages and more. - Detailed progress reports, and plan repayment with a user-friendly UI.

2. Savings Manager: - Set and track savings goals for major purchases such as a downpayment on a house, emergency fund, wedding, home renovation, grad school, or a new car, and much more - Each savings can have multiple buckets the goal pulls from(such as savings account, gifts from family or brokerage + physical cash etc) and see how close you are to reaching your goals through the UI. - Some savings types allow “downpayment” logic. For example you can save 10,20,50,100% of the total price.

3. Asset-Linked Debts: - Link supported debts to assets like vehicles, real estate, or uni degrees. - I wanted this to be fun and remind users that they have real assets associated with these big loans

4. Learning & Financial Tools: - It has 80 learning articles - There are calculators for emergency funds, converting hourly wages to salary, compound interest etc

Features I plan on building: - Expense Tracking

- Net-worth Tracking

- Bulk Add/Edit Transactions

- Export/Import transactions from CSV

- Automated Recurring Transactions

- Push notifications

- Widgets

In-App Purchases:

- Free version can track 3 debts and 2 savings

- One time fee unlocks Pro, unlimited everything :D

I’m a coding person and not good at marketing, if you have any suggestions for how to market an app I would appreciate it!

If you want to support a dev bootstrapping this on my own please leave an App Store rating <3 :)

Or if you have feedback I would appreciate that as well.

I’m building in public at r/DownPayApp if you are interested in following.

Some fun stuff I made that HN might find interesting:

- Interactive Roadmap

I needed a roadmap that I could share with users. I was using a Google Sheet to track features but sharing that with users didn’t look too pretty so I created a Roadmap page. I did the unthinkable though, I used that same google sheet as a database :o React just fetches the public CSV and renders a UI. I’ll probably move to a more professional roadmap tool but this does the job for now and is free 99 :D

Check it out here: https://lifeutilityapps.com/downpay/roadmap

- What’s New UI

I wanted Users to be able to interact with the Release notes for every version I release. I put a lot of time and effort into the project and I want to highlight all these new things I make so that users are aware of them. This needed to include photos of every new feature, with detailed notes on what changed.

Video: https://www.reddit.com/r/SwiftUI/comments/1ewu20s/release_no...

Thank you all!

1.	Show HN: Present and Build Whiteboards, Flowcharts and Diagrams on iPhone(apps.apple.com) 2 points by LifeUtilityApps 2 days ago \| 0 comments
2.	Show HN: I created a finance app that lets you track debts and savings privately(apps.apple.com) 1 points by LifeUtilityApps 1 year ago \| 0 comments

user:	LifeUtilityApps
created:	August 28, 2024
karma:	15