Show HN: Wealthfolio 2.0- Open source investment tracker. Now Mobile and Docker

> Wealthfolio does not currently support integration with online brokers or aggregators. Data must be imported from CSV files or by manually entering transactions.

This is unfortunately going to be the deal breaker for wide adoption. Self hosting is great, but manually importing data from dozens of accounts every day and entering every single transaction as you make it is simply too much of a burden.

If there was a sufficiently good import, something deeply customized for at least the top N banks, I think I’d be ok with that workflow. But even Quicken was disappointing on that front.

Quicken is getting even more and more disappointing.

Used to be, you'd use what Quicken calls "direct connect" where the client software itself connects to your bank's servers and pulls down your transactions and balances. They also had this "quicken connect" where the client software connects to Quicken servers, who, in turn, contact your bank--making Intuit an unwanted middleman. Slowly, but consistently, Quicken has been dropping "direct connect" support and coercing their users to go the middleman route.

I, too, have been looking for an alternative to Quicken, but: 1. I don't want to have to go to each bank's crappy web site and download a crappy CSV to import, and 2. I also don't want the software developer inserting itself into what should be a data transfer between me and my bank.

The Holy Grail personal finance software would 1. be free and open source, 2. download data directly from financial institutions without CSVs or a middleman and 3. store the data in an open format like sqlite that I can query and manipulate outside of the application.

My understanding is that part of the problem is that many banks do not provide that kind of "direct connect" functionality anymore. Some used to provide OFX but no longer do. Also, financial regulations aimed at "open banking" (like PSD2) bizarrely seem oriented towards enabling middlemen like Plaid. They don't require anything like "each individual customer must be allowed to access their individual data by using an API however they want"; it all has to go through a "third-party provider".

So the holy grail is really "Banks must be required to provide all customer info in a machine-readable format, via a programmable API, directly to their customers." :-)