I have tried Mint, Personal Capital, GNUCash, and probably a few others, and I seem to have settled on Tiller. Basically, I like the convenience of automatically pulling in transactions and balances, but I like retaining control of the budgeting process.
I know there are a ton of others out there, so let’s post our favorites and a short explanation of what makes them great.
I feel like I’ve tried just about everything - YNAB is still the best.
It’s frustrating to have to pay for a third-party service to pull in European bank transactions, though. YNAB is expensive enough on its own.
I’ve been using YNAB (You Need A Budget) and simply love it. I like that it’s zero based budgeting, imports transactions with my banks, and allows me to track every dollar coming in and assign it to its proper category. While not the most helpful, I also like the net worth tracker and reports while on desktop.
I wrote my own! https://budgetmyway.com
- Really wanted weekly “reserve” based budgeting. If I am under budget one week, that amount will get added to the reserve. And if I am over budget another week, that will take money away from the reserve. I also have the concept of “reserve expenses”, not regular weekly expenses but usually bigger/unplanned that pull directly from the reserve.
- Privacy: no ads, tracking, etc
- No actual banking connections/APIs. Manually enter expenses.
- A project I can improve over time. Been using it for over 10 years now.
I’m going to put in a third vote for YNAB.
Big fun of Toshl https://toshl.com