Hacker News Board Hacker News, browsed like a classic message board
Live data from Hacker News

Ask HN: Alternative to Mint.com?

news.ycombinator.com

Post reply on HN
Print view View original

11–20 of 78 posts

Re: Ask HN: Alternative to Mint.com?

#11

Post by Andrex »

embeng4096 wrote: post #2

In past Ask HN threads I've seen recommendations for Lunch Money ( https://lunchmoney.app/ ) and You Need A Budget ( https://www.ynab.com/ ). I can't personally speak to them as I use GnuCash, but I don't recommend it for you because it does not do automatic sync as you requested.

I'm biting the bullet and moving to GnuCash myself. It seems intimidating at first but playing around with the UI made it less scary.

As I get older I'm also just doing fewer transactions in general, so it's easier for me these days to keep a hold on manual entry.

Re: Ask HN: Alternative to Mint.com?

#13

Post by chofmann »

qrush wrote: post #5

YNAB has turned my financial life around. I wish I had started using it 10 years ago. They also have built an importer from Mint. Some highlights I love: * One window to every account I have, which mostly automatically updates/syncs * Envelope budgeting has forced me to look at every penny and figure out what it's for * API to work with other tools (for me, Splitwise - https://github.com/vascopinho/split2ynab/ ) And…

Came here to say this. YNAB is awesome.

Re: Ask HN: Alternative to Mint.com?

#16

Post by cosmotic »

corethree wrote: post #3

Personal capital, now empower. I don't think there's a better one that's free as well.

I switched from mint to personal capital years ago and I couldn't be happier. The UI is so much more responsive and the site is more reliable. The design is a lot better too.

Re: Ask HN: Alternative to Mint.com?

#18

Post by hortonew »

I was just trying to integrate with my banks this past weekend because of this, with no luck. I was pointed at OFX (Open Financial Exchange) as an integration method, but it seems banks have since moved on from that to FDX (Financial Data Exchange). But FDX seems to be under maintenance and individuals can't register? Is this the right method to integrate with your personal accounts to get transaction information or do you need to use a service like plaid?

Re: Ask HN: Alternative to Mint.com?

#19

Post by moduspwnens14 »

I tried out YNAB, Rocket Money, and Quicken Simplifi.

YNAB was a bit too opinionated and "hands on" for my tastes. Rocket Money seemed to be geared toward the "we'll cancel subscriptions for you" use case and was otherwise not configurable enough.

Quicken Simplifi seems much closer as a spiritual successor to Mint. It's mostly hands-off, though you can set up configurable rules and budgets. And it worked with all of my accounts.

Re: Ask HN: Alternative to Mint.com?

#20

Post by Workaccount2 »

Jtsummers wrote: post #6

YNAB isn't too expensive though I don't like that they went to an annual subscription. It does sync with most accounts (I don't use that feature but it seems to work well for others, pretty sure the same syncing backend as Mint and others use). GnuCash can sync with some banks but I only had luck with one of mine, and never tried with other account types like investment and retirement accounts. If you're willing to d…

I can't process how $100/yr for a static accounting program isn't severely overpriced. Do banks and credit cards charge for API requests? Is the compute necessary to balance your books require leasing A100s to crunch your numbers? A terabyte of rack space to store my transactions?

Before the MBA enshitification of software, you would buy an accounting program for $60 and use it for years. And it would work great because accounting is well established and hasn't really changed in the last 100 years.

I'm just so fucking sick of SaaS and peoples total complacency with it.

Post reply on HN