If you want to build a personal finance application to track expenses and investments of an urban indian resident, this page is for you.
A bunch of APIs, datasets to help personal finance management. Feel free to use these to build an application.
I prefer using non-proprietary identifiers, such as ISINs and ISO codes, and permissive licenses.
I’ve seen lots of attempts at Personal Finance apps over time, and these typically use:
Parsing SMS for transactions.
Scraping emails for transaction history.
Hooking into GMail (and only GMail) for automatically fetching Credit Card bills.
Triggering a new CAS export, and asking users to forward the email. See: Kuvera
Asking users for Netbanking credentials to fetch statements and parse them.
While some of these work, my personal thesis is to always track transactions as close to the source as possible to get more visibility.
As an example, Amazon sells a lot of items, including Groceries, and roll up multiple orders into a single transaction, so a single line item in your credit card statement might include an Electronics and Grocery purchase. Unless you peek into the Amazon Order History, parsing a CC Statement doesn’t give you a clear insight as to where your spends are.
Not everything can be tracked at source (such as dining out), but a huge chunk of my transactions (Bills, Investments, Amazon, Uber, Grocery Apps) can be tracked at source.
Over time, I’ve made a bunch of datasets, and APIs to help solve this problem piece by piece. This is a page listing all these efforts, along with other similar efforts.