[iccananea]

Yeah, the 4-year forward projection was what got me hooked on moneywell in 2009, when I bought a "forever" license for them. I have since wanted a budgeting app that would have that feature too, so I built trackm.

Regarding the one-time fee and subscription, 100% agree. I delayed adding account sync because of the monthly / yearly costs. And also, because with the model of recuring rules looking into the future, I tend to use the app on a daily basis to correct things (payment is scheduled on 16th but is cleared on 17th so I need to update it).

When I add bank account sync, I'll have to think how to charge it. I still don't want to have a subscription for it, so need to think about it.

Finally, I don't do client-side encryption. There is encryption in transit (https / tls) and at rest.

I can't open any database without the user's password, so even if someone were able to exfiltrate the user databases, they still would need to know the encryption key used to read the data.