Roadmap
From side project to the finance tracker Switzerland deserves
The honest, detailed plan — what has shipped, what is next, what automatic bank sync will actually cost, and the dream features beyond. Built in the open.
Pro price
$8 / month
Subscribers needed
125
Goal
$1,000 MRR · mid-2027
Apr – Jul 2026
ShippedFoundation
Everything a serious finance tracker needs, built and deployed.
- Secure multi-tenant coreGoogle/Microsoft sign-in, accounts, transactions, clean UI
- Budgets & analyticsPer-month category budgets, spending donut, savings trend
- Data import engineCSV/Excel wizard, ZKB bank format, credit-card statements, dedup
- Recurring transactionsRules with due-date reminders and one-click logging
- Snapshot-anchored balancesBank-reported truth, drift detection, one-click reconcile
- InvestmentsLive prices, portfolio tracking, manual-price fallback
- Unified categories & pending actionsOne taxonomy everywhere, nothing slips through
- To-dos & Owed-to-MeTask list plus personal debt tracking (who owes you what)
Q3 2026
In progressPlatform & Trust
The unglamorous work that has to be right before strangers and money arrive.
- Security deepeningRate limiting, hardened CSP, rolling 14-day sessionsPer-IP rate limits (tight on auth), stricter content-security-policy, live-checked admin gate. Full tenant-security audit passed.
- Admin control panelCategories, users, cookieless visitor analytics, system dashboardSite-wide management gated to admins. Category editing is admin-only now, closing the shared-taxonomy hole.
- Your data is yoursFull CSV/JSON export and one-click account deletionFADP/GDPR right-to-export and right-to-erasure, shipped. A trust prerequisite before charging.
- Consistent versioning & release notes4-segment scheme, changelog in the footer
- Per-user categories (optional)Mschema migrationLet each user tailor their own tree once there are many usersDeferred: admin-curated taxonomy is enough for now. Revisit when a second cohort wants their own categories.
Q3 → Q4 2026
In progressLaunch Readiness
Turn a personal tool into something a stranger can sign up for and love in five minutes.
- Pick the brand nameBatzenWeb-level trademark checks clear; formal Swissreg + EUIPO clearance still pending. Live throughout the app, the domain and the landing page.
- Public landing pageProduct story, screenshots, the pitchOne scroll: the problem, the Swiss-import angle, three screenshots, pricing, and a waitlist CTA. Live at /welcome.
- Onboarding~2 wksGuided first steps with your own real data, so value shows in minutesNo seeded sample data — an empty dashboard walks a new user straight into adding their first real account, then nudges them toward importing their own statement or adding a transaction by hand.
- Privacy policy & termslegal reviewSwiss FADP / GDPR groundwork — required before chargingData-processing statement, the no-credential-sharing promise, sub-processor list (Google/Microsoft auth, Azure hosting, Yahoo Finance price lookups).
- Early-access waitlistCollect interested users ahead of the paid launch
Q4 2026
PlannedMonetization & iOS
The free tier stays generous; power features become Pro. First revenue.
- Stripe subscriptions~3 wksfirst CHFFree (2 accounts, manual) vs Pro $8/mo (unlimited, imports, investments, snapshots, recurring)Stripe Checkout + customer portal + webhooks. Feature-gating keyed off subscription status in the session.
- Passkey sign-in~1.5 wksadapter migrationFace ID / fingerprint login (WebAuthn) beside Google & MicrosoftRequires an Auth.js database adapter (already scoped). Passkeys as an additional method — OAuth stays for recovery.
- Subscription radar~2 wksAuto-detects recurring charges and price increases in your importsCopilot/Rocket-Money’s stickiest feature. The dedup + recurring engine is already half of this.
- Smart alerts~1.5 wksBudget overruns, upcoming bills, snapshot reminders by mail or push
- Public beta launchr/SwissPersonalFinance, Mustachian Post forum, Product Hunt
- iOS companion appLQuick-add on the go, net-worth glance, record snapshots, bill reminders via pushCompanion scope, not full parity — the web stays the power tool. Ships late 2026.
iOS companion app — late 2026
H1 2027
PlannedGrowth to $1,000 MRR
Switzerland-first: the finance tracker that actually understands Swiss banks.
- More Swiss bank formatsUBS, PostFinance, Raiffeisen, Migros Bank import parsersEach new bank format is a weekend of parsing + fixtures. Coverage is the Swiss moat competitors won’t copy.
- German localization~2 wksFull DE interface for the Swiss market
- SEO content engineGuides: exporting from your Swiss bank, budgeting in CHFSlow burn (6–12 mo) but compounding; the only free acquisition channel that keeps paying.
- AI auto-categorizationLearns your merchants — new imports arrive pre-categorizedCopilot’s headline feature. Start rules-based (we already have the matcher), layer a model later.
- Cash-flow forecastProjects your balance weeks ahead from recurring rules and history
- Referral program & paid-ads experimentsOnce organic signups convert
- 125 Pro subscribersthe goal≈ $1,000 monthly recurring revenue
Post-revenue
HorizonAutomatic Bank Sync
The #1 requested feature — and the one that only makes sense once revenue can fund it. Full cost breakdown below.
- Build the engine for free firstFreeEnable Banking own-account production · Saxo OpenAPI for portfolios · sandboxes for the restProve the whole pipeline (fetch → dedup → categorize) at zero provider cost before signing any contract.
- Swiss coverage via an aggregator~$1–10 / user / moSalt Edge or Neonomics for breadth without a native SIX contractAggregators wrap the Swiss banks so we integrate once. See the cost table below.
- Native SIX bLink at scaleCHF thousands / yrcontractGraduate to the Swiss standard when volume justifies the contractBest coverage and reliability, but admission + platform contract — enterprise-grade cost. Revenue-funded only.
- Metered as a Pro add-onprotects marginDaily refresh for Pro, on-demand for free — bills stay predictableAuto-sync can’t be free-for-all: per-user provider cost would erase the $8 Pro margin. Gate and meter it.
Dream · 2027+
DreamDream Features
Ambitious but buildable — where the product goes once it stands on its own revenue.
- AI financial coachLLM costA chat that actually knows your numbers“Can I afford a CHF 30k car?” answered from your real cash-flow, budgets and forecast — grounded, not generic.
- Expat & multi-currency modeLive FX, cross-border accounts, home-vs-host net worthSwitzerland is full of expats — a genuinely multi-currency net worth is underserved and sticky.
- Shared & household financesPartners and families on one plan, shared budgets, split views
- Pillar 3a & retirement viewSwiss retirement savings and the tax angle beside your portfolio
- Tax-season export packYear-end statement bundle formatted for your cantonal return
- Goal-based planningHouse deposit, sabbatical, FIRE number — with progress projections
- Android appOnce iOS proves the companion model
Someday · blue-sky
SomedaySomeday / Crazy Ideas
No feasibility filter. The far edge of what this could become.
- Full neobankIssue an account + card, not just track them — become the bank
- Robo-advisorAuto-invest spare CHF into low-cost ETFs, Swiss-tax-aware
- Crypto & DeFi trackingWallets and on-chain positions in the same net worth
- Open API & integrations marketplaceLet others build on top; Zapier/Make connectors
- White-label for advisorsSwiss independent wealth advisors run their book on it
- Embedded lending & BNPL insightSurface credit offers responsibly from real affordability data
- Voice & wearable“Hey — what did I spend on eating out this month?”
Bank integration
The cost of going automatic
Automatic bank sync is the most-requested feature and the clearest Pro upsell — but Swiss bank data is not free. Every option has a free way to start (sandbox or your own account); the cost lands when real users connect real banks. Here is each path, and the plan to add it without wrecking the $8/mo margin.
| Provider | Swiss coverage | Free to start | Cost at scale | Best for |
|---|---|---|---|---|
| SIX bLink | 60+ CH banks — ZKB, UBS, PostFinance, Raiffeisen, Migros | Free sandbox | SIX admission + contract · CHF thousands/yr (est.) | The native Swiss standard. Best coverage & reliability — at scale, revenue-funded. |
| Saxo Bank OpenAPI | Your Saxo portfolio (investments) | Free own-account portfolio & trade data | Free for own-account use | Free live investment sync for Saxo users — a cheap early win. |
| Plaid | US strong · limited EU · weak CH | Free sandbox | Paid production | Dev/testing only — not the path for Swiss coverage. |
| GoCardless (ex-Nordigen) | was broad EU | Free tier closed to new signups | Winding down | No longer viable — noted so we don’t chase it. |
The plan
- Manual import + snapshots stays the default and the privacy story — no bank credentials ever shared.
- Build the sync engine free: Enable Banking (own accounts) for banks, Saxo OpenAPI for portfolios, sandboxes for the rest.
- Ship bank sync as a metered Pro add-on, never free-for-all: ~$1–10/user/mo provider cost would erase an $8 Pro subscription.
- Start Swiss coverage via an aggregator (Salt Edge / Neonomics); graduate to native SIX bLink when volume justifies the contract.
- Meter refreshes by tier — daily for Pro, on-demand for free — so provider bills stay predictable.
Figures marked “est.” are research estimates from public comparisons — Swiss provider pricing is sales-gated and not publicly quoted.