WYGIWYH

WYGIWYH (What You Get Is What You Have) is an opinionated, principles-first personal finance tracker focused on a straightforward, no-budget approach to managing money. It helps you track income, expenses, accounts, and investments across multiple currencies with a web-based interface and automation-friendly design.

Key Features

• Unified transaction tracking for income and expenses
• Multiple accounts support (bank accounts, wallets, investments)
• Multi-currency balances and transactions
• Custom currencies (e.g., crypto, reward points, other units)
• Transaction rules for automated adjustments (e.g., billing cycle quirks)
• Built-in dollar-cost averaging (DCA) tracker for recurring investments
• API support to enable integrations and automation workflows

Use Cases

• Track household finances across multiple accounts and currencies without budgeting envelopes
• Monitor recurring investments (stocks/crypto) using the built-in DCA tracker
• Integrate transaction syncing or workflows through the automation-ready API

Limitations and Considerations

• Some features may be disabled in demo mode (such as API, rules, exchange rates, and import/export)
• Designed around a specific “use what you earn this month” philosophy, which may not suit all budgeting styles

WYGIWYH is a solid fit for users who want a clean, web-based finance tracker with strong multi-currency support and investment tracking, while keeping day-to-day money management simple. Its rule system and API make it especially useful for those who prefer automating parts of their financial tracking.