Readit News logoReadit News
Posted by u/LarsenCC 4 months ago
Show HN: Write It Down – Personal finance trackerwrite-it-down.com...
Everyone’s chasing AI hype. I built a Google Sheet and it quietly took off.

In 2020, I made it to track my own finances for income, expenses, savings, yearly summaries etc. I shared it once on Reddit, forgot about it for a year… When I checked back, it had over 130k views and I was honestly stoked!

No launch. No funding. No AI. Just a spreadsheet people actually stick with and find useful.

I finally gave it a proper home: write-it-down.com Now, more than 2,300 people use it.

It’s intentionally boring and that’s why it works.

People don’t always need AI. They just need something that actually solves their problem. This isn’t a billion-dollar startup of course, but it taught me more about building products than almost anything else.

Build something useful. Solve a real problem. Even if it’s just a simple spreadsheet.

So, what’s the most “boring” thing you’ve built that found unexpected traction?

LarsenCC · 4 months ago
Hey everyone,

Lately I’ve been exploring smaller, simpler projects like this one. I usually build backend systems (currently at Browser Use, funny enough).

This spreadsheet started as a personal finance tracker during COVID and somehow turned into something people actually wanted to use.

The biggest lesson for me: People don’t care how “advanced” something is, they just want it to work and make their life easier.

Curious to hear what you all think.

zeroCalories · 4 months ago
Making a product flexible often makes it complex to use, complex to develop, and mediocre at everything. Makes it easy for a small product that hyper focuses on one use case to swoop in and snatch users away.
LarsenCC · 4 months ago
Yes! Good lesson there.
product-hunt · 4 months ago
True hype created by AI is huge. Everywhere I look it's always just AI. Man we need more apps like this that just do one thing and that's it.
LarsenCC · 4 months ago
Ikr! I love AI, but there are too many "useless" apps that use AI just for the hype of it.
gyomu · 4 months ago
Did you purposefully write every paragraph of your intro post as an AI writing trope?
LarsenCC · 4 months ago
Probably! I guess that’s what happens when you spend too much time around LLMs lol.

In any case, didn't feel like it when writing haha.

gyomu · 4 months ago
Cheers for answering, was genuinely curious whether it was AI-written, you were doing it tongue in cheek, or that’s just how writing the post came naturally to you.
code_for_monkey · 4 months ago
I feel the AI would've used more words? Maybe? I feel like spotting AI writing is more of a gut feeling for me these days, more so than something I can describe.
LarsenCC · 4 months ago
I can also feel it sometimes yeah
hung · 4 months ago
It really reads like a LinkedIn engagement post.
BobaFloutist · 4 months ago
Seems reasonable for (open) self-promotion in an industry forum.
LarsenCC · 4 months ago
Ah no, not linkedin!
jnovek · 4 months ago
Sorry, what are you talking about? Why is his post an “AI writing trope”?
aswegs8 · 4 months ago
No frills. No bells. Just pure AI.

Do you know why it sounds like that?

Neither do I.

It's a feeling.

LarsenCC · 4 months ago
Its doing pretty well for an AI writing trope I guess.

I just wanted to share something I have built for myself and other people seem to like it!

gyomu · 4 months ago
No X. No Y. No Z. Just W.

While the world was doing Y, I was doing Z.

Everyone’s doing X. I’m quietly [ChatGPT loves that word] doing Y.

People don’t X. They Y. It’s not about Z. It’s about W, and it taught me everything/means everything to me/utterly transformed me/etc.

Do X. Do Y. Even if it’s just Z.

Deleted Comment

R_Spaghetti · 4 months ago
In red on your site: > Other Finance Apps: > Risk of sharing personal data with third parties In green: > Write-It-Down.com > Built on Google Sheets

I agree that putting your personal data into a free Google account indeed isn't a risk of sharing it with third parties. It is a guarantee.

tsycho · 4 months ago
[I have no personal involvement to this project, but I'll defend it anyway. And I am sure you knew what they meant, but still chose to write a pedantic comment]

If you use Gmail, Google Maps, YouTube etc, you already share a lot with Google; this spreadsheet is unlikely to make any different. If have managed to de-Google your life, good for you. Don't use this product either.

Other finance apps (I used to use mint.com before they shut down) require direct connections with your bank and investment accounts, generally via Plaid or Yodlee, and sometimes directly. This product avoids all that.

Now I personally don't think it's useful to me, since there are just too many expenses to keep track of, and doing it manually is too much work for me to even attempt. But privacy to Google would be pretty low on my list of concerns when using a spreadsheet.

thingortwo · 4 months ago
How many expenses do you really have on a daily basis that they are too much to track? I don't like a spreadsheet for this since they have bad input UX on phones. I use a custom app I built and even though it is manual I don't really feel it since I have optimized the UX for n=1 and it just becomes a habit. I tried all these other automatic tracking apps like monarch money,mint,YNAB et al but they are just not real-time enough for me and don't keep me in touch as much, also the obvious data lock. Maybe I'll make it public someday but I haven't mostly because the common sentiment online is 'manual tracking is too much work' when it really isn't if you do it as you go vs all at once at the end of month etc.
summermusic · 4 months ago
Agreed, I’d pay for an Excel or LibreOffice Sheets version of this
LarsenCC · 4 months ago
I might just make one then :D
brandall10 · 4 months ago
Could you please share the original post that you made that has 130k views?

Obviously if a product/idea is good enough it can go 'viral' on its own with little prodding, but I'm curious about the discussion behind that post and how it may have taken on a life of its own.

4ndr3vv · 4 months ago
Getting 2k users is no small task, congrats.

Did most start using it when it was a free spreadsheet linked to a reddit post or have the 2300 users all bought the $4.99 product?

Has there been a change in take-up since you monetised it?

LarsenCC · 4 months ago
Most free, but a lot still buy! Surprisingly only ~50% less paid signups compared to free signups.
the__alchemist · 4 months ago
Wow. How did you do this? This is a saturated field, especially since the downfall of Mint. (Context: I made one of these too, but a minimal/fast HTML/CSS/JS web app. I use it myself, but have 0 users)
sras-me · 4 months ago
> I made one of these too, but a minimal/fast HTML/CSS/JS web app

Same story here. But not sure if yours had a backend. Mine did not have one and stored everything on the browser datastore, but could export it to some free json hosting service after encrypting and compression so that it can be synced to other devices and used from them as well.

Was not aware of anything that did the same, thought it would be useful (mostly because it would be totally free to use, could be accessed from multiple devices and respected user privacy) and shared here couple of days back.

Zero interest! Ha ha. At least I didn't spend a lot of resources on it and made it for my own use. It have been working well for me for many years.

tempestn · 4 months ago
One big benefit of a google sheet over a web app is that you're not relying on the creator to keep maintaining it. You can copy the sheet and then you have it forever. (Unless Google shuts down sheets, but even for Google that's unlikely.)
LarsenCC · 4 months ago
I have no clue. I built it for myself in 2020, then made it better each year. Once posted on Reddit... the rest is history.
pantulis · 4 months ago
I've had a similar one for like two decades, and it originated from another thing that I found around and tweaked to my liking. This spreadsheet sits nicely between the minimal effort and the uber solution of typing everything in some plain text accounting solution.
lionkor · 4 months ago
I feel like the AI hype is big, but there are lots of us who just build normal things and who's jobs cannot allow or make use of LLMs properly.

Popular culture has always been easy to influence. We had blockchain hype, OOP hype, AI hype, Microservices hype, we had so many and they were ALL mostly a fad that resulted in yet-another-tool in the toolbelt of engineers -- nothing more, nothing less.

Good on you for using the right tools to build a new thing!

LarsenCC · 4 months ago
Agree! I got stuck using hype/trendy solutions to solve problems for far too long... This was proof that sometimes all it takes is a super simple solution.
echelon · 4 months ago
LLMs are a good search replacement, but they're not task automation.

Codegen AI is great for tab-complete. It does save typing, and it is pretty smart, but you still have to have an engineer in the seat that is paying attention and knows what they're doing.

Video AI on the other hand is already disrupting Hollywood. The costs are 10,000x cheaper, the delivery time is 100,000x faster, and it's accessible with 1,000x less personnel. These are insane numbers. Multiple orders of magnitude - full step function change - across multiple dimensions at once.

You still need to have an editor and VFX person to make video AI work, and you still need to incorporate photon-on-glass footage, but it's remarkable how usable these tools are.

A small studio with five people can use AI tools to do serious work that would ordinarily take 100 people or more and require huge budgets.

This isn't just hypothesizing - I work in this industry. This is not only myself, but this is dozens of the studios I talk to and work with.

Just to cite one example, there's a studio I know that used to bid $300k on projects. You've seen their work - they do Netflix show intro sequences, pharmaceutical ads, etc. They're now bidding just $50k and winning projects left and right.

I think the biggest area of AI investment and disruption is going to be video AI.

vagrantJin · 4 months ago
On the videogen, one would expect small, scrappy studios to get some tools to get further on their projects. What one has observed is that it is the large behemoths that are overzealous in their use of AI tools, despite the fact that they can produce work, have the budget and expertise to make it happen.

Baffling.

LarsenCC · 4 months ago
I think browser automation using LLMs is still huge tho (I'm biased haha)
code_for_monkey · 4 months ago
i believe you but wow this feels so bleak
dude250711 · 4 months ago
True! At the end of the day, it's a multiplier - just like many other dev hype fads e.g. Python/JavaScript poorly-typed fad of 2010s - devs who do not know what they are doing are just producing worse tech debt at a higher rate.

Same with microservices or misusing HTML to make UIs instead of documents etc.