I have tried Mint, Personal Capital, GNUCash, and probably a few others, and I seem to have settled on Tiller. Basically, I like the convenience of automatically pulling in transactions and balances, but I like retaining control of the budgeting process.
I know there are a ton of others out there, so let’s post our favorites and a short explanation of what makes them great.
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I feel like I’ve tried just about everything - YNAB is still the best.
It’s frustrating to have to pay for a third-party service to pull in European bank transactions, though. YNAB is expensive enough on its own.
I love YNAB. I did not love the price hike they instituted here in the last couple of years.
Still worth it in my book though.
I’ve been using YNAB since 2013 and I really enjoy the method, it fits with my lifestyle.
However, I went back to using the old YNAB4 when they announced the big price hike. I manually import the transaction files from my bank. It’s easy and doesn’t take a lot of time. I couldn’t justify the new price, especially when taking exchange rates into account.
I wrote my own! https://budgetmyway.com
- Really wanted weekly “reserve” based budgeting. If I am under budget one week, that amount will get added to the reserve. And if I am over budget another week, that will take money away from the reserve.
- Privacy: no ads, tracking, etc
- No actual banking connections/APIs. Manually enter expenses.
- A project I can improve over time. Been using it for over 10 years now.
Nice! I love this idea!
Tracking is just looking backwards on what you DID spend your money on, my friend.
Look forward and start planning what you WANT to spend it on. Budgeting is so different from tracking.
I am personally a huge fan of YNAB (You Need A Budget) and I just found there’s a (sub-lemmy?) for YNAB as well, here: https://lemmy.world/c/ynab
I’ve been using YNAB (You Need A Budget) and simply love it. I like that it’s zero based budgeting, imports transactions with my banks, and allows me to track every dollar coming in and assign it to its proper category. While not the most helpful, I also like the net worth tracker and reports while on desktop.
Upvote for Ynab!
Google Sheets. I have tried moving to a budgeting app on iOS but I realized I use my credit card most of the time so everything I do is almost always tracked already.
I use YNAB throughout the month. At the end of the month I summarize my income and expenses in a spreadsheet so I can see how my spending trends over time.
Monarch Money can get very granular and you can make your own rules as to what box a line item goes into. https://www.monarchmoney.com/
I just use Excel, but I also don’t track my spending at a very detailed level. I have a budget for the month, and I sort of adjust my spending as I go to make sure I meet that budget.
I seem to have settled on Tiller.
As I read the title I had Tiller in mind. I’ve only ever tried YNAB and Mint (a long while ago) and Tiller is a good mix of automation but leaves me with control of the data as it’s just in a spreadsheet that I own.
YNAB felt a little too restrictive. Maybe that works for those with issues regulating themselves with how they spend but Tiller felt right for me as I really just needed to track what I’ve spent so I could just keep that in mind as time progresses and I spend from day to day.
big fan of copilot (copilot.money)
lunchmoney.app is really good
I’m going to put in a third vote for YNAB.
I tend not to strict budget but just use a tracking app to see my spending at the end of the month/year and make decisions from there. PersonalCapital is my favorite for this as it’s more high-level and does decent keeping track of net worth and investments. It’s not as good as Mint at learning transaction types, and for my friends that really budget YNAB is the prefered, but PC works best for my needs
Big fun of Toshl https://toshl.com
Been using Simplifi (by Quiken) for a few months now and it’s not bad. Their web app is really good, and they just completely rewrote their mobile apps which work much better now.
