niztk

Big thanks to everyone who downloaded and tried the app, and to those who chipped in even though they could have downloaded it for free (I was very surprised to see so many supporting the effort). I just shipped 0.4.1, which targets feedback from splittydev, edarchis about typing issues, codebje about AU banks and CSV formats, edarchis (Belgium) about European CSVs and IBAN cuts, edarchis and splittydev about memory pressure while the checker model is being loaded, robotresearcher and kailovel about categorization (still a work in progress), altmanaltman and a few others about the heavy checker (off by default now for Macs with 16 GB of RAM or less), and many other pieces of feedback.

0.4.1 is live, and the app will automatically find the update at launch or within 6 hours, download it in the background, and show “Restart to apply” when ready. You can also download it again from pulseos.finance. I'm dedicated to working on this app full-time, so please use the feedback section in the app to share features, bugs, etc., or email me at [email protected].

Agree, a small tuned model, in my case a 0.6B Qwen, beat a bigger general model: stock 8B Qwen.

Thanks for the feedback. Aware of the search field bug, already fixed in 0.4.1 which is shipping soon. Fixing European CSVs and cut IBAN now. Investigating the country-save hang. If you’re keen to retry, email me [email protected] and will let you know.

Fair, I'll ship a few improvements and continue iterating with users.

Appreciate the honest feedback.

Thanks again for the report. I did see that the app refreshed its window many times during the first model download and each refresh stole focus from the search field, that's why typing did not work.

The fix is ready and shipping it soon (version 0.4.1)

As for the freeze, I honestly couldn't reproduce it but I suspect it's due to the above symptoms and the fix will likely remove it. Happy to let you know if you email me so that you can retry once the new version is shipped.

fair, screenshots will move up.

Thanks and this is surely a bug. Investigating now. If you are willing to retry later as soon as I ship a fix, please email me [email protected]

In all honesty, I don't know what would bring people back since I just launched but a few things the app does unprompted: patterns it finds in spending (insights), money and cash flow, forecast, as for the chat there are always a few suggested questions so you don't always need to know what to ask. But agree, it would be great to hear what returning users actually do.

Thanks, will surely give this a try. So far, I have US today with Canada, UK, AU, NZ and Europe on the roadmap.

Great question and in all honesty, real users just started downloading the app today so I don't have any idea yet on how often a rephrased question succeeded. That being said, a retry costs about 12 to 14 seconds with the checker against 1/10th of a second without so it doubles the wait. What I've tested was that with the checker, even though fewer questions get an answer (about 47% right against 60% without), wrong answers fell to 5 in a sample of 494 questions (compared to 100 wrong without the check). Conversations are hit the most from the moment it answers "not sure" so nothing to build on for the next question. I've also given users the option to switch off the checker for speed. I still have many ideas to try and hopefully I keep improving trade-offs.

Thanks a lot! Will keep iterating.

Hi, only a Mac app today, working on a Windows app next. As for bank connections, yes this was requested and I added a "Connected Mode" ($29 a year Sync Pass) which syncs US banks via Plaid otherwise you can import a CSV which also works with any bank and any currency. As for Qwen3, 0.6B is small enough to run fast on most laptops, showed good evals and easily tunable. In my tests, the tuned 0.6B model scored about level with gpt-4.1-mini on a dataset of 77 real budgeting questions and outperformed a stock 8B model as well.

Thanks for giving it a spin. Will fix the mapping.

Plaid is only used in "Connected Mode" which is optional. Local mode never touches Plaid, it's all CSV for now but will work on PDF parsing next.