Founder story
Hi, I'm Tommi
Founder, BudgetSyncer
I've used YNAB since 2014. After every shop I was typing purchases into the app by hand — tedious when you just want to be done. Later it was exports and CSV imports. I kept automating that work for myself until friends asked for the same thing. BudgetSyncer is that tooling, opened up for everyone.
From spreadsheets to open banking
I'm a professional developer and a long-time YNAB user in Finland. The product isn't a pivot from a giant fintech idea — it's the tool I wished existed while I was still matching transactions by hand and babysitting CSV files.
- 2014
2014
YNAB became part of daily life
I started using YNAB and quickly relied on it to keep spending intentional. The habit was to log every purchase right after shopping — quick in theory, painful in practice when you are standing in a car park with bags in one hand and your phone in the other.
- …
Along the way
Manual matching was the bottleneck
Manual entry after each trip was bad enough; matching imports against what I had already typed in was worse. Every bank file meant reconciling two versions of the same spend — slow, error-prone, and easy to put off until the budget no longer matched reality.
- …
Along the way
First fix: bank CSV into YNAB
I wrote my own script to pull transactions from bank exports and push them into YNAB. It was better than copy-paste, but still tied to export files and cleanup whenever formats or accounts changed.
- 2020
2020
PSD2 and the YNAB API
Open banking arrived in Europe, and I built a program that fetched transactions through PSD2 and sent them straight to the YNAB API. No more weekly CSV ritual — the budget could actually stay current.
- 2022
2022
Friends asked to use it — BudgetSyncer was born
People I knew wanted the same workflow. I turned the personal tooling into BudgetSyncer so anyone using YNAB in Europe could connect their bank, sync automatically, and spend less time fighting imports.
Why it matters now
European YNAB users still face a gap that US-centric tooling often ignores: getting bank data in reliably without turning budgeting into data entry. BudgetSyncer connects through PSD2 open banking and syncs on a schedule so your YNAB budget stays current — with deduplication left to YNAB on import.
I still run it as an indie product — no venture round, no selling your data. Just the workflow I wanted for myself, opened up for everyone who felt the same pain.
BudgetSyncer is part of Dawnode Oy, a Finnish company — trade register details
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Questions about the story, your bank, or whether BudgetSyncer fits your workflow? I read every message myself.
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