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How do you track your personal finances? Excel sheet? Python script? Self-hosted dashboard?
Do you use open source software, did you code your own, or do you subscribe to a service?
I'm more interested in the basic spending tracking functions (auto importing from bank, auto tagging categories, etc) than having it track my investment portfolio.
Having lately used Google Sheets along with AppScript for other purposes, I think I would go with that.
I have many automatic payments (credit card, telephone, utilities, etc) from a transaction account. I also have a loan with redraw, and I want to have most of my funds keeping the loan balance low, but I don't want my transaction account to go negative. So I need to forecast future transactions.
Future transactions may be annual, monthly, four weekly, two weekly, etc. It's a real mess. Some are easy to predict accurately, others can only be estimated.
I have a column to keep track of which future transactions are predictions/estimates/allowances, and which ones have been confirmed.
I also have a column to keep track of which transactions have been reconciled with the bank. (This is currently a manual cross-checking process, since my bank doesn't have API access.)
My preference would be a text-based system (https://plaintextaccounting.org/), but haven't found one that neatly allows estimates of future transactions that can be modified once the details are known.
If I was doing it again, I'd probably go with one of the cli text ledgers so the process is easier to preserve and closer to ETL.
I used to use YNAB, but they kept on jacking their price up, and I kept on procrastinating with keeping up a record. Having lately used Google Sheets along with AppScript for other purposes, I think I would go with that.
[1] https://github.com/raphaelm/python-fints [2] https://github.com/phil294/fints-transaction-tracker