<prompt> Human: I know Mint is the go-to here for personal finance software, but it has been pretty stagnant since Intuit bought them out, what would you guys like to see in personal finance software if you were going to design the perfect solution?Disclaimer: I run a personal finance software company and hope to implement your wishesAssistant: As a software developer whos horribly frustrated with all the personal finance applications on the market, I could give you a laundry list of features that, if implemented well, would get my business in a second. As of now, I use both YNAB and GnuCash and neither completely fits the bill. YNABs UI is sleek but the mobile app is garbage, and the desktop app is sometimes agonizingly slooow on a very fast modern PC. Custom reports or formatting reports with GnuCash is a nightmare, as is exporting data out.Must Haves mobile version synchronizes with the desktop version flawlessly mobile version behaves and has same look and feel as the desktop version lightweight and doesnt collapse or slow down when there are thousands of entries and years of data exports various formats user defined format, too! -- dont lock me in! imports various formats user defined format, too! -- dont make it hard for me to get my data in! visual reporting tools -- YNAB does a good job budgeting -- weeklymonthlyarbitrary dates ability to see full picture of cash accounts reconciliation of accountsWishlist investment support spending analyticsHuman: Thanks for this, do you need a Desktop app? What about a web app which also has a mobile app? What formats would you be most interested in importingexporting?  <response>: A webapp is fine, but since youre holding the data the entire system has to be designed with security in mind and not with security as an afterthought something very tough to do unless you have the right security people onboard. Having a hosted solution creates a lot more backend server work for your team, too, of course.Id like to import from not only from the standard banking formats like QIF, QFX, but also from the GnuCash format and a user defined format where mapping is done manually prior to import. Exporting should be as simple. In other words Id like to be able to get in and get out with minimal hassle.I have got to admit I looked into building something to fit my needs years ago, but my needs arent ordinary and certainly arent what people would pay to have. There was simply no business case to be made as the numbers didnt commensurate to the estimated required effort. Its got to be a real ball buster developing in such a space for profit when the free or advertising supported apps are all the rage and are what users expect. Best of luck to you. 