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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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’m going to put in a third vote for YNAB.
big fan of copilot (copilot.money)
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 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. I also have the concept of “reserve expenses”, not regular weekly expenses but usually bigger/unplanned that pull directly 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.
