u/developer_mamba

I want to preface this by saying I am not a finance person. I'm a developer who got tired of his own problem and started building.

The problem: I hold Bitcoin as a long-term savings vehicle but none of the personal finance apps I used had any idea what to do with it. Rocket Money was my go-to for tracking spending but there was no Bitcoin support. My stack just lived in a separate mental bucket, disconnected from everything else. I knew roughly what it was worth but I never really sat with that number alongside my real expenses.

So I started building something.

The core of the app is simple:

You add your Bitcoin balance, either by connecting your wallet with a read-only key or just typing in a number manually, and Compass shows it to you in sats and your local currency. The goal was to make your Bitcoin feel like a real part of your financial picture, not an afterthought you check on a separate app.

A few other things I learned:

- The niche forces quality. Bitcoin users ask hard questions before trusting anything. That's uncomfortable during development but it makes you build something actually solid.

- Pricing is hard even for a simple product. I went back and forth a lot before landing on $5.99/month and $49.99/year with a 14-day trial.

- Building something you actually use changes how you build it. I check this app every day. That matters.

If you're working on something in the personal finance or Bitcoin space, would love to compare notes.

Please check it out and share any and all feedback: compassbtc.app

Not sure if this belongs here but figured this crowd might get it.

I've been into Bitcoin for a few years and the one thing that always frustrated me was tracking my holdings without giving up my keys. I use Rocket Money to stay on track of my finances, but there was never a clean implementation for how it tracked Bitcoin, and I felt like I was being wasteful with money because I saw things through a fiat lens.

So I started building a portfolio tracker that works with your xpub (READ-ONLY wallet, never the private key) or manual balance. You paste it in once, it derives your addresses, and it shows your balance and in addition to that, everything is priced in Bitcoin. Spending, account balance, income, etc. I feel like it helps me start to value my money more when I see it in the money that I can't make more of (Bitcoin)

The thing I didn't expect was how many people had the exact same complaint when I started talking about it. Everyone's just kind of... dealing with the friction.

Still in early days but if you're curious, it's called Compass. Happy to answer questions about how the xpub tracking works if anyone wants to go down that rabbit hole. Link in comments

I've been holding Bitcoin for a little while now, and I'm running into something I can't quite solve.

I use Rocket Money to track my spending and net worth. It works fine for my bank account and bills, but Bitcoin feels like a second-class citizen in it. I self custody my Bitcoin (as you should) and don't have direct connection to like Coinbase.

Every time the price moves, my balance is wrong until I manually update it which I have to do every month. And everything is shown in dollars, which is starting to feel weird when I think about my BTC differently than I think about my savings account.

For everyone who uses finance tracking apps:

- Do you track Bitcoin inside a regular finance app or keep it completely separate?

- Has thinking about Bitcoin changed how you feel about everyday spending at all?

- Is there an app that actually handles both well, or is everyone just winging it?

Still figuring out my system and would love to hear what's working for people.

I've been a Bitcoin HODLer since 2020 and honestly it didn't hit me till lately that I really am starting to see my life priced in Bitcoin, but I'm in a fiat world.

For example, nowadays, I'll buy like groceries and anything from the story, and once I get back I'm converting it to how much did it spend in Bitcoin? Also, when I'm looking at dream cars (God willing), I'll be saying to myself "When Bitcoin hits XYZ, it'll only be worth XX BTC", etc. Is anyone else like this too?

A few things I'm genuinely curious about:

• Do you ever mentally convert purchases to sats/Bitcoin too? Does it change how you feel about the spend? Like, if you knew an unneeded purchase was worth XYZ bitcoin before you bought it, would it still buy it?

• Are there any apps or tools that shows your finances/purchases in Bitcoin terms?

• What's the most frustrating thing about tracking your money as someone who holds Bitcoin? Mint and Rocket Money feel weirdly incomplete to me but I can't fully articulate why. I have to manually enter the new amount of Bitcoin I have every month.

Just curious if this mindset is common and how other people deal with it.