Ask HN: Alternative to Mint.com? • Hacker News Board

Re: Ask HN: Alternative to Mint.com?

#31

Post by beachwood23 » Tue, Feb 06, 2024, 4:15 PM UTC

kingnothing wrote: post #26

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.

FWIW, I also have an Amex with YNAB and have not had any issues with it in the past year.

Re: Ask HN: Alternative to Mint.com?

#32

Post by pragmatic » Tue, Feb 06, 2024, 4:16 PM UTC

I haven’t found anything better than Tiller.

I tried moneydance for the cross platform/offline operation but it’s kinda clunky.

Re: Ask HN: Alternative to Mint.com?

#33

Post by hv23 » Tue, Feb 06, 2024, 4:17 PM UTC

Just started using Copilot, I like the UI and their Mac and iOS apps are well done: https://copilot.money/

Re: Ask HN: Alternative to Mint.com?

#34

Post by jungturk » Tue, Feb 06, 2024, 4:18 PM UTC

https://www.budgetrewards.com/

Free for a couple months, run by a husband/wife duo as a small business, lots of budgeting in addition to the basic account dashboard and transaction syncing you expect.

Re: Ask HN: Alternative to Mint.com?

#35

Post by dddddaviddddd » Tue, Feb 06, 2024, 4:18 PM UTC

I used to like auto-synching with accounts, but I found this encouraged a pattern where I would only look at my budget periodically, long after the information would have been useful (e.g. in the moment of asking whether I should make a purchase).

Instead, I've switched to software that requires me to manually input each transaction (firefly-iii with lychnos, a custom front-end I wrote). This keeps me aware of the budgets since I get in the habit of looking at them each time I make a purchase and record it.

Re: Ask HN: Alternative to Mint.com?

#36

Post by pragmatic » Tue, Feb 06, 2024, 4:18 PM UTC

corethree wrote: post #3

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

Do they still call you constantly trying to get you to buy their money management services?

I liked personal capital but hated the sales pressure.

Re: Ask HN: Alternative to Mint.com?

#37

Post by RestlessAPI » Tue, Feb 06, 2024, 4:19 PM UTC

moduspwnens14 wrote: post #19

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…

+1 for Quicken Simplifi. YNAB is more of a methodology, and you pay for the UI. Simplifi is more of tool that lets you look at your money as you see fit.

Re: Ask HN: Alternative to Mint.com?

#38

Post by patrickwalton » Tue, Feb 06, 2024, 4:19 PM UTC

I'll throw out that another option is to categorize at the time of purchase with an envelope budgeting app like Qube money. Using Qube has been life changing for our family.

Re: Ask HN: Alternative to Mint.com?

#39

Post by [deleted] » Tue, Feb 06, 2024, 4:20 PM UTC

[deleted]

Re: Ask HN: Alternative to Mint.com?

#40

Post by scblock » Tue, Feb 06, 2024, 4:20 PM UTC

I moved everything to Gnucash about 8 months ago and didn't look back. Online and automatic was convenient, but local is working fine for me. I thought I would miss the automation more, but in practice it doesn't take much time to import transactions downloaded from providers, or just enter them manually.

If automation is a critical feature it may not meet your needs.