The real problem: The spreadsheet was a barrier, not a bridge. It didn’t help me have better money conversations at home. Telling my wife “Dining is high” wasn't helpful; we needed to see where we were overspending (e.g., that one specific cafe vs. grocery runs) without me having to act as a "human pivot table" every Sunday night.
I didn't want an app that required our bank passwords, but I needed more automation than a manual sheet. I built OpBoard to bridge that gap.
How it changes the conversation:
Shared Visibility: Instead of navigating a complex file on my monitor, my wife can log in and see a clear, merchant-level breakdown of our cash flow instantly.
Intentional Review: We still do the CSV import—it's a deliberate "touchpoint" with our data that keeps us aware of our spending without the friction of manual entry.
Automatic Normalization: It handles the "CSV surgery" (Date formats, +/- signs) across different banks automatically, so the data is always clean.
Auto-Tagging Engine: You teach the app your own keyword rules (e.g., "Starbucks" = Food). It also uses AI to suggest rules for recurring merchants based on your history.
Duplicate Protection: It automatically skips transactions already in the system, so you don't have to be paranoid about the date ranges of your bank exports.
It’s currently in beta and has finally turned our budgeting from a technical chore into a productive family discussion. If you’re an "Excel refugee" looking for a better way to track cash flow with a partner, I’d love your feedback.
I’m especially looking for thoughts on:
What specific views or charts would help you and a partner make better spending decisions?
Are there any bank CSV formats that my normalization logic fails to handle?