51–60 of 78 posts
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.
I've been using Simplifi by Quicken and it's been very nice. It's around $50/year, I can track all of my transactions and bank accounts.
It also lets you add a second login, which is great for couples.
* In our case all transactions were flipped, showing a negative balance on our checking and brokerage accounts and positive on our CC.
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…
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 beca…
If you wanted basic accounting functionality, could just use a spreadsheet. Plenty of free spreadsheet software out there. Why spend $60?
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 beca…
That's why we don't offer the ability to connect accounts within our app. Users don't understand or don't want to understand that such a feature alone would easily double the subscription price. Without VC you cannot give users the ability to connect their accounts for free without losing lots of money.
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…
If I want to see my monthly expenses (total), it doesn't let me. It just shows me how much I need to save this much in each bucket.
Weird.
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 YNAB and the most annoying part of the entire thing is that you cannot see your total expenses? I mean, the most basic feature is not in this app. If I want to see my monthly expenses (total), it doesn't let me. It just shows me how much I need to save this much in each bucket. Weird.
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.
Earlier quoted context omitted.
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 $60 and use it for years. And it would work great beca…
Account connection services are insanely expensive and you don't want to create all that yourself. That would be even more expensive to maintain. That's why there's services like Plaid. For every user it costs at least 1$ a month per user per connected account. That alone creates a huge amount of ongoing expenses. That's why we don't offer the ability to connect accounts within our app. Users don't understand or don'…
Then how is Quicken Simplifi, mentioned by some other folks in this thread, able to offer it for $2.99 per month? Volume??