I Built My Own Personal Finance App, and Now I Want More Personal Software
I do not think AI will replace every app with one giant productivity blob.
I do think AI changes something more interesting: it makes small, personal software worth building again.
There are places where I still want real software. Finance, healthcare, taxes, legal work, anything with consequences. I do not want a loose chat interface guessing its way through that. I want software with a database, a model of the domain, boring reliability, and a clear relationship with the data.
AI is useful there, but only when it sits on top of a system I trust.
That is why I built Fino, a local-first personal finance app that lets me connect my bank accounts, import the accounts Plaid misses, and then talk to my money from Claude.
Not "chat with a spreadsheet" as a demo. More like: "why did our spending feel weird this month?" and then getting an answer from my actual transactions, local rules, savings goals, recurring subscriptions, and financial memory.