Personal Financial

I built an MVP couple/personal finance app

Why did I do this?
That’s probably your first question: Why is this guy adding yet another finance app when there are already so many on the market?

Well, I’ve got something to say: none of the apps out there really talk to each other or follow your spending in a way that actually reflects your life. They’re disconnected, rigid, and often built around assumptions that just don’t match reality — especially for couples.

I’ve got tons of ideas for where this can go, but I had to start somewhere. My mindset was simple: If this app helps me, maybe it can help other couples in the same situation too.

Let’s Talk About the Money

Money’s hard to talk about — especially if, like me, you come from a Latin American background where money is still a bit of a taboo. But why should that be the case with your partner? That’s the person who's right next to you, day in and day out.

Not everyone got the best financial education growing up. And that’s exactly why y’all need to talk more about money — to figure out if you're on the right track or heading in the wrong direction.

Me and my wife started doing a weekly financial check-in — it’s non-negotiable now. That meeting helped clear up so many things:

Where your money is being spent
What goals y’all need to set as a couple
How much y’all have for groceries, gas, and fun
What your real budget looks like
How y’all are investing in retirement (or not yet)

Why I Built This

I've been tracking finances in Excel for 15+ years. I’m fast with it, I know VBA, I’ve built dashboards — the whole deal.

But now, I’m not doing finances solo. And let’s be real: it’s 2025 — apps should be better than spreadsheets by now.

Even with all my Excel experience, juggling data, keeping it synced, and getting real insights was becoming a mess. So I built the tool I wish existed: a simple, connected, private-first finance tracker that works for individuals and couples.

It’s live now:
👉 https://finances.cargdev.io

What It Does

✅ Track income, expenses, and credit card balances
✅ Split bills with your partner or housemate
✅ View your savings rate, spending trends, and budget categories
✅ Keep your data private — no 3rd-party syncing
✅ Fast, simple, flexible — works the way you need it to

What I Need From Y’all

I’m in the validation stage — here’s where y’all come in:

Try it out and see if it fits your flow
Send honest feedback — UX, bugs, missing features
Tell me if this solves something real for you

Try It Now

Head to https://finances.cargdev.io
Create an account (no email verification needed)
Add some transactions or split a bill
Explore the dashboard — and tell me what makes sense, what doesn’t, and what’s missing

Let’s Connect

If this idea speaks to you — whether you’re a user, developer, investor, or just curious — I’d love to talk.

Leave a comment, DM me on LinkedIn, or email me at [email protected].

Thanks for reading. And thanks even more if you give it a try.

I built an MVP couple/personal finance app