Managing personal finances shouldn't be complicated. Yet, keeping track of daily income, expenses, savings, and debts can be challenging, especially when existing tools don't fully understand local financial habits.
That's why I started building JomaKhoros.
The Problem
In Bangladesh, people manage money through different channels:
- Cash transactions
- bKash and Nagad
- Rocket and bank accounts
- Personal loans and informal debts
- Monthly household expenses
Keeping everything organized across different sources is not always easy. I wanted to build something simple that brings everything together.
What I'm Building
JomaKhoros is a Bangla-first personal finance management platform designed for everyday financial tracking.
Some of its key features include:
- Income and expense tracking
- Multiple wallets and account management
- Monthly budgeting
- Savings goals
- Debt and loan tracking
- Recurring transactions
- Financial calculators and useful tools
Why I Chose to Build It
I'm a civil engineer and BIM professional with a strong interest in technology, automation, and building practical software solutions.
I believe the best products come from understanding real-world problems and using technology to solve them.
JomaKhoros is my attempt to make personal finance management more accessible to people in Bangladesh.
What's Next?
I'm continuously working to improve the platform, user experience, and features based on real user needs.
I'd love to hear from the developer community:
- What features do you think a personal finance app should never miss?
- How would you approach building a finance platform for a local market?
- What would make you trust and regularly use a personal finance tool?
Try JomaKhoros: Jomakhoros.com
I'd genuinely appreciate your feedback and suggestions!
Top comments (2)
A local-first ledger would benefit from marking transfers between a user’s own wallets separately from income and expenses, so moving money from bKash to a bank account does not inflate totals. Clear export and delete controls, plus plain language on whether any account connection is read-only, could also make trust easier to evaluate.
Thank you for sharing these thoughtful suggestions!
JomaKhoros already supports multiple wallets, including Cash, Bank, bKash, Nagad, and Rocket. More importantly, transfers between a user's own wallets are recorded separately from income and expenses, so moving money from bKash to a bank account doesn't artificially inflate financial totals.
We also believe transparency and user control are essential to building trust. JomaKhoros currently relies on user-entered transactions rather than direct bank or financial account connections, so users retain control over what financial information they record.
Your points about making data export, account deletion, and privacy controls even clearer are valuable. We appreciate feedback like this as we continue improving JomaKhoros.
Thanks for helping us build a more transparent and user-friendly financial platform!