Real people asking for budgeting, investing and money apps on Reddit right now, updated weekly.
Money subreddits are a firehose of product demand: r/personalfinance and r/Fire users asking for retirement planning tools that model real tax rules, r/investing users tired of juggling five portfolio trackers, people in debt asking for something simpler than a spreadsheet. When Mint died, Reddit is where millions went to find replacements.
Leadverse monitors these communities and filters every post for buyer intent toward finance apps. The feed below shows people explicitly asking for an app or tool like yours. It refreshes weekly, tracking what finance-app buyers want right now.
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Live personal finance & investing apps leads from Reddit
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This page is a public preview of Reddit posts where people are asking for personal finance and investing apps. Leadverse finds these conversations so you can spot potential customers before they go cold.
Which US STOCKS to choose for long-term investing ?
Which US stocks would you choose for long-term investing (10+ years)? Hi everyone, I’m planning to start investing in the US market with a long-term horizon of around \\10–15 years\\, and I’d like to hear opinions from experienced investors here. I’m mainly looking for high-quality companies with strong fundamentals, sustainable growth, good cash flow, and a competitive advantage, rather than short-term trades or highly speculative stocks. Some companies I’m currently considering are: \- Microsoft (MSFT) \- Alphabet (GOOGL) \- Nvidia (NVDA) \- Apple (AAPL) \- AMD I’m also considering simply putting a large portion into \\VOO/S&P 500\\ instead of trying to pick individual winners. If you were investing today and planning to hold for 10+ years: 1. Which 3–5 US stocks would you choose? 2. Which stocks do you think are currently too expensive despite being great companies? 3. Would you prefer something like 80% VOO + 20% individual stocks or mostly individual stocks? 4. Are there any less obvious companies you think have strong long-term potential? 5. What would make you avoid any of the companies I listed? I’m interested in the reasoning behind your choices rather than just ticker symbols. For context, my goal is long-term wealth creation, not short-term trading. I’m comfortable with market volatility and plan to keep investing regularly. Would love to hear different perspectives.
Hi, I am new to Adviice and recently retired early at 51 due to downsizing and a generous package. During my working years, my wife and I have accumulated sizeable RRSPs and we are looking at melting it down entirely by 65 or 70. The ai decumulation filter does not seem to offer this exact scenario. Does anyone have any advice or suggestions?
Is there any UPI app which can track my expenses or which have expense manager inbuilt in upi app, can manage after payment done, where i can chose the type of payment during upi transaction
Any recommendations for free and premium software calculators for financial planning forecasting for retirement? Empower, Boldin, Full View. Looking for modeling for when to take social security and optimal window for Roth conversions, etc ? Half assets in brokerage and half in pre tax IRA. Thank you in advance for your advice.
I started with aggressive risk. I want to start investing 20k more. Can anyone suggest where I should invest next, like gold or Nifty 50? Please review and give me suggestions.
So I don’t mind holding this stock for however long. I see future in it but the profits are nowhere close yoy should I take the L and exit or keep holding on to it?
I'm really thinking about putting in about $30,000 into $iipr to get $1,000 every quarter. do you guys know any stocks where I can get a $1000 every quarter without putting a lot of money into that stock? I'm trying to limit it to about 50000 to 60,000?
Aging while autistic - feel like I’m woefully unprepared for the future
Anyone relate? My capacity for just basic existence has been reduced substantially. Skill loss and regression are intensely noticeable. It’s frightening! It doesn’t seem like this topic is discussed at all. Maybe because autism wasn’t discussed at all during our youth and most of adulthood. Approaching “retirement age” - not that I’ve had much success at actually being employed. Ordinary retirement planning already seems daunting. With this added complexity it feels overwhelming. Does anyone have any useful references or recommendations to check for that particular situation?
Calculators that have retirement income options at different time periods?
Hi all. Any recs on calculators that have more options for calculating? I have 1.1M saved. 49. Plan to go half time at 55 then full pension at 60. Think I’d like 80k a year in retirement. Work pension will be around 5k a month starting at 60. Canada pension should be full amount 1300 or so. Will likely not take Canada pension until 65. I’m mainly wondering if I can start saving more for my kids vs retirement. I never had a family start and I’d like to provide one for my kids as long as they keep working hard and demonstrating that they are responsible. Mostly paid off home / 400k left - current share or mortgage $1400 a month.
Hi, I'm new to Adviice. I have a defined benefit plan which is small but welcome. I am retired but my wife is still working as she is younger than I. Adviice seems to consider my plan's benefit as being adjustable; for the first few years only about 60% of the defined benefit is used by Adviice. Once we are both retired all of it is used. Is there a switch somewhere to tell the AI that the complete defined benefit should be taken each year?
How are you calculating retirement expenses? Is it the norm to exclude mortgage? Our expenses in our 30s are fairly high right now with necessities — mortgage, daycare, almost done paying student loans etc. I honestly can’t picture what retirement looks like and what we’ll need or want. Can anyone breakdown what they’re thinking? I know it’ll look different for everyone but I’d like to get some ideas here so I can start to do that.
All - what do you use / prefer in terms of budgeting software? Something for detailed spend tracking; portfolio tracking would be an added bonus. Thanks in advance!
Anybody have a tax planning worksheet like the ones in "tax planning to and through early retirement"?
Shout out to Cody Garrett and Sean Mullaney for their book “Tax Planning to and through Early Retirement.” I’m just reading the book and appreciating the simple way they show examples of the various types of income filling up the various tax buckets, such as the standard deduction and the various brackets. I know I could build that fairly easily, but thought I’d ask here since I’m inherently lazy. Anybody here make a version they’d be willing to share?
I'm trying to find a better way to keep track of dividend income and I'm curious what people here actually use. Spreadsheet, brokerage app, some tracker, whatever works. Tell me what you use and the one thing about it that drives you nuts. I'd also like to hear which number you check the most, whether that's yearly income, a monthly calendar, or yield on cost This is what Ive built would love any feedbac!
Personal Finance Automation System for Debt Elimination Strategy
Build a comprehensive personal finance automation system focused on \[aggressive debt elimination using the avalanche method\]. The system should \[automatically categorize transactions from linked bank accounts\], \[calculate optimal debt payment allocations based on interest rates\], \[project debt-free dates using current payment rates\], and \[simulate accelerated payoff scenarios with extra payments\]. Include \[automated bill payment scheduling to avoid late fees\], \[savings goals tracking for emergency fund building to ${target amount}\], \[spending alerts when approaching budget limits in categories\], and \[weekly financial health score calculations\]. Provide \[spreadsheet templates with formulas for debt snowball and avalanche comparisons\], \[scripts for automatically downloading and parsing bank statements\], \[integration instructions for tools like YNAB, Mint, or Personal Capital\], and \[privacy-focused alternatives using local data storage\]. The system should generate \[monthly reports showing net worth progression\], \[visual debt payoff thermometers for motivation\], \[side income tracking for gig work or freelancing\], and \[tax deduction opportunity identification\]. Include \[milestone celebration triggers\] and \[contingency planning for financial emergencies\].
Form or software to help calculations for current year's Roth conversions?
I'm not talking about modelling whether you need Roth conversion. I mean specific calculations if, e.g., you're maxxing the 24% tax bracket this year and you want to hit its AGI spot on. Is there a form or tool built to help estimate exactly how much you should convert, relative to the rest of your income etc. For anyone new to this, the problem is that you don't have all the W2s and other year-end summaries like you did before retirement. You have to estimate all these values and do all your actual converting before the end of the calendar year ... you can't wait until April 15. Some values are pretty straightforward but others aren't, and there can be quite a few wrinkles. I have tried using last year's tax form, but you can't do calculations or keep extensive running notes right inside a Form 1040. I've also tried Excel, but for me it turns into running "stream of consciousness" calculations over the course of a given year, especially since I pick it up at least twice each year (some conversions at beginning of year, and the finish the rest near the end). Last year I used over 300 rows in Excel, sigh. There's lots to consider: Calculate how much conversion "room" you have between e.g. 24% bracket ceiling and predictable values like Social Security income, IRS Standard Deduction, pension, etc. Plug in estimated dividends or interest income (before the end of the year). If you sell stock to pay for conversion taxes - possibly incurring NIIT - track that, because it decreases conversion capacity. Keep in mind IRMAA cliffs, if you have more than just Medicare A. (Actually I don't, so I don't need this. But most people do.) If you do some conversion early in year (stocks usually lower) and some later in year, track the amounts so you still hit the bracket total just right. I'm not sure there really can be any software or tool that can do all this. But I'm sure there are some that can help, or at least help point out some things you might miss. FWIW for tax year 2025 I was \$11k low; I could've converted that much more. I was being a little careful and leaving some extra wiggle room to not go over but, in the future, I figure it's better to just try to hit it spot on, and it's okay to be slightly over. (A.k.a. I'd rather be a few thousand into 32% territory than 11k under the 24% ceiling. Fortunately, I don't have to worry about IRMAA.) Thanks if you can help!
Hi, Looking for recommendations for budgeting and money flow kind of stuff. I've tried actual budget but didn't like the style of budgeting it seemed to want to do. The envelope/bucket approach isn't for me. I'm looking for something that can do the following: High preferred \- intake my statements exported as CSV - Australian banks don't expose APIs to individuals so I can't automatically feed it direct from my bank. \- output transactions into incoming and outgoing \- identify recurring payments \- doesn't just do envelope/bucket budgeting - not overly complex to deploy. I looked at fireflyiii and was put off. Would like \- option to link with a self hosted ai - to help identify spending leaks and where I can make cuts or what have you. I'm not the best at this so yeah I don't know if this exists?
Problem/Goal: I've been manually tracking my expenses and it's taking way too much time. Looking for an AI finance app where I can just upload my SOAs/statements and have it: Combine everything into one place Categorize expenses (food, transportation, dating, etc.) Track expenses I paid upfront for other people/business and tell me who owes me and how much Let me manually add cash transactions Flag possible duplicate transactions Ask me when it can't figure out a transaction Give me a simple summary of where my money is going Ideally works on both phone and laptop. Context: I've seen apps like Koody and YNAB, but I'm not sure which one actually handles this workflow well. Open to other recommendations too. Previous Attempts: Manual
Hi all, I have a strict budget for most categories of expenses. The issue is to track where it’s all going. Given that my expenses can be from my debit or credit, it’s hard to look at every single transaction and categorise it into an excel spreadsheet (especially when the transaction description isn’t helpful). Has anyone found an app or method using excel that collects all the transactions and categorises them? It would be useful to analyse and have an overlook of my spendings at a glance. Thanks in advance.
I don't really understand why people are so obsessed with Apple Pay coming to India.
Don't get me wrong, I'd definitely like to have it. The convenience of just tapping your iPhone or Watch and paying is great. But I don't think Apple Pay itself is some game-changing thing for India when UPI is already so convenient. Personally, though, I'd be much more interested if Apple ever launched Apple Card in India. The thing I really like about Apple Card isn't just the card itself, but the way it handles your spending. The Wallet app gives you a proper breakdown of your spending by week/month/year, categories, merchants, etc. You can even search for old transactions instead of scrolling through months of statements. That's the kind of expense tracking experience I haven't really found in any UPI app or banking app here. And then there's 2% Daily Cash when you use Apple Card with Apple Pay. If you're someone who makes a lot of small transactions throughout the day, getting cashback automatically every day would actually be pretty nice. So yeah, Apple Pay would be nice to have, but Apple Card + Apple Pay + that whole Wallet experience is what I'd actually be excited about. Also, I'm curious what are you guys using to track your expenses across all your bank accounts and credit/debit cards? I'm looking for something where I can see everything in one place and ideally add a description/note to individual transactions. I haven't found a UPI/banking app that does this really well.
I'm not super new to the valuation model space but I can't say I'm proficient. I'm trying to value a couple of biotech names but I honestly don't have time. Is there anyway I could do it super fast? Any software maybe that can do it on the fly? I tried to use LLMs but they are trash for this tbh.
My investing philosophy is centered around a very long term approach with companies that have wide moats and consistent growth. Feel free to be brutally honest about my portfolio and suggest new stocks.
I’m currently monitoring the market to purchase in about 6 months, maybe sooner or later depending on how the market is performing. What are you best research tool and guides on how to use them. I know about cotality and will likely pay for it when I’m looking a bit more seriously as it’s fairly expensive at this stage of my research. In the meantime I’d like to know about cheaper or free tools that can do similar things if they exist. Thank you!
Should I still keep investing on the dip or stop it? It's been one year since I started investing but my Nifty 50 and midcap are mostly in negatives only. Please suggest your views and does my portfolio require any changes?
Brokerage: fselx mutual fund, voo etf, vxus etf, and spmo etf Roth IRA: voo, avuv, and ftec etf. I’m leaving teaching and moving abroad at age 40. 1 million will suffice. Question here is, I love, love fselx active mutual fund! Would you consider that gambling? I plan on keeping this asset until death. I will take my pension and put it in the following: 50 percent in voo, 30 percent in vxus and the rest in XLE etf. I love the semi trade and I’m waiting for a crash to put more money in semis. Am I crazy for betting on semis and have 32 percent of my networth in fselx mutual fund. Also, yes I’m aware of the fees. Is fselx considered gambling?
Hey guys how do we feel about Nabers in the long term? I’m very likely going to do a trade which includes buying him on a low and I want to know if it’s possible to see him return to a high level again this season given his teams situation. Thanks
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Budgeting and debt tools, retirement and financial planning, portfolio tracking, and stock research - from authors asking for a product, not general money advice.
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