v0.2: Everything you own, on one page

What you own

You tell the app where you keep things: a savings account, a fund account, a broker, a loan, a pension provider. It reads each one the way it reads your bank, in a browser on your own computer that you sign in to yourself, and puts everything on one page, each line with the date it was read.

• What your funds cost you, in money. Not a percentage in a fact sheet, but what you paid this year. It is taken from the fund company's own cost report when there is one, and marked as an estimate when there is not.
• Your loans, with what is left and when the rate next changes.
• Your pension, as what it is expected to pay you.

You can also ask about a fund, for example what it actually holds, or how much two of your funds overlap. To look a fund up, the app opens the fund's public page in your browser, so that site sees a request for that fund, never your amounts.

Mind My Money only reads what you own. It never buys, sells or moves anything, and what it tells you about a fund is arithmetic about what you hold, not a recommendation.

Paying bills: an experiment

The app now notices your bills before they are due: the ones your statements show you pay, the ones in your email, and the ones that only arrive in the digital mailbox your country may use for bills and official mail. They are listed on Home under Due soon and on a page of their own.

New in 0.2.0, and experimental: it can also pay one for you, in your own bank, in your browser. We call it experimental because it is the first thing Mind My Money does that moves money, and it needs more real use before we call it anything else.

It is designed to show you each bill on its own card before paying it (who it is to, the account, the amount, the reference and the due date) and to look for the payment in your bank's list of scheduled payments afterwards. Those are there to help you, not guarantees. AI makes mistakes, and every payment it makes for you is your responsibility, so read the card, and check your bank.

With a ChatGPT subscription

Until now, the AI that does the work had to be Claude, through your own Claude subscription. Now it can also be ChatGPT, through your own ChatGPT subscription. The first time you open the app it asks which one you use, and if you have both, you choose. You can switch later in the app. Either way your statements, bills and reports stay as plain files in a folder on your own computer.

Also in 0.2.0

• Late fees (reminder fees, late-payment interest, collection charges) are a group of their own in your reports, so you can see what paying late cost you. This comes from the transactions already read.
• Your company beside your household. If you keep your own company's money too, it can be a second set with its own reports, bills and holdings. Someone with one household never sees this.
• On the iPhone: Due soon, your bills, what you own, and both sets if you have two. You can answer a bill's card from your phone. These come in the iPhone update, which is on its way to the App Store; testers have it on TestFlight now, at https://testflight.apple.com/join/xQczhc19. Mind My Money for iPhone is on the App Store at https://apps.apple.com/app/mind-my-money-smarter-choices/id6813640399.
• After you update, the app offers to bring what you already have up to 0.2.0. Nothing is signed in to until you answer.

Getting it

You pay what you decide it is worth, including nothing. Mind My Money runs on a Mac or PC: download it at https://mindmy.money/download. If you already have it, it updates itself.