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Ask HN: Alternative to Mint.com?

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Re: Ask HN: Alternative to Mint.com?

#21

Post by alecgorge »

> A while back there was a tread in here where someone had an inexpensive one-time license mac software, but I cannot find it.

I think you are looking for https://www.banktivity.com/

It feels a lot like Quicken which isn't a paradigm that works well for my brain and I moved to https://lunchmoney.app + a small app that consumes the API, does some transformations and exposes to Google Sheets' =IMPORTDATA formula.

This gives me: * full featured transaction syncing that I don't need to worry about * a nice UI for bulk editing, tagging, etc. * a programatic way to perform transformations and add features Lunch Money doesn't have: I like to use categories and tags in concerts to give me per trip breakdowns of expenses by category of my travel * the flexibility of a spreadsheet for reporting and quick iteration.

A very new player that I haven't tried fully yet is https://finwiseapp.io/

Re: Ask HN: Alternative to Mint.com?

#22

Post by s900mhz »

I personally enjoy Monarch. Nice looking UI, full financial picture like Personal Capital but they use multiple data aggregators to sync your data and most institutions you sync they allow you to choose which aggregator you want to use.

Link to site: https://www.monarchmoney.com/

If you are feeling charitable, my referral link: https://www.monarchmoney.com/referral/d8nz9odkbx

Re: Ask HN: Alternative to Mint.com?

#23

Post by jabroni_salad »

If you just want to review your spending categories across all your accounts and don't need all the fancy planning features with more involved programs, I have been liking Fidelity Fullview. It's free and lets me keep tabs on things which is all I really used mint for as well.

Fullview also is one of the few services not married to Plaid, if that's a factor for you.

Re: Ask HN: Alternative to Mint.com?

#26

Post by kingnothing »

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…

For anyone reading the parent comment, you should avoid YNAB if you use an American Express card. YNAB uses Plaid and the overall integration from YNAB through to Amex and back does not work.

Re: Ask HN: Alternative to Mint.com?

#27

Post by sph »

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…

I have been a bit lax with my budgeting lately, but YNAB has been a constant in my life since 2014. Syncs perfectly with Barclays UK, Starling Bank, Revolut.

I recommend their Four Rules to budgeting to anyone that wants to learn how to manage money and expenses: https://www.ynab.com/the-four-rules

Re: Ask HN: Alternative to Mint.com?

#28

Post by beachwood23 »

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…

Another vote for YNAB. It is expensive, but for me it pays for itself in a month.

It can be as open-ended or as detailed as you like. And the tutorials / videos are worth watching, as well.

Re: Ask HN: Alternative to Mint.com?

#29

Post by the_gastropod »

timwis wrote: post #25

Actual Budget is fantastic and now open source. The bank integrations are only for European banks though I think.

Came here to recommend Actual Budget, also. I have it self-hosted on my Synology, and it just works like a charm. It's very similar to YNAB, so if you're into that style of budgeting, Actual will feel familiar.

The latest version actually supports SimpleFin for integration with U.S. banks. Simplefin costs $1/month, and has been working smoothly for me.

Re: Ask HN: Alternative to Mint.com?

#30

Post by bryceneal »

I've been really enjoying Monarch money. It's not free, but they offer an introductory discount for Mint users.

I'm not a power user. I used Mint mostly for a window into the current state of my accounts, and to check recent transactions. I find the Monarch UI to be snappier and less laggy than Mint, which makes sense given it seems like Mint was not a very well-funded project at Intuit.

I've toyed around a bit with Monarch's transaction tagging and grouping features and they seem to do what I expect. I've also played with their budgeting feature which is helpful as a way for me to try to keep tabs on my spending per-category month-to-month.

Personally I do prefer the idea of paying for a service like this, but that's because I know it will probably decay if it's not supported monetarily by users. I also prefer my data _not_ be sold to third parties (which Monarch promises.. for now). Unfortunately I suspect the end goal for Monarch is to get acquired by one of the FinTech giants which probably sadly means it sees a similar fate to Mint down the road.

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