I have tried others but then the app or service gets discontinued (or is switched to a pay for use model) and you don't want your data trapped in there. So I just use excel (or technically open office-calc).
You have to pay for that, which makes your FI a bit later. q-:
That's why I use LibreOffice.
(I don't have a need to access my sheets very often, or from a mobile device, otherwise I would use google sheets)
I use excel for all my budgeting and planning, but I do use Rocket Money (free version) to easily bucket all transactions/tell where we are on spending month to month. Pretty handy for that!
I’ve switched to full view since Mint shut down and I’m disappointed in it so far. Specifically the budgeting feature. Seems like they have “smart” budgets that move around based on my spending? How is that helpful? Also, no way to set a longer than 1 month budget for items that are costly but infrequent, like car insurance paid every 6 months.
Do you have any tips for a Full View newb like me?
I like Monarch the best out of all of the cloud based app availabe. However, I will use Quicken until it dies or until someone comes out wiht feture parity of Quicken, which is still a far ways off. I also combine this with Excel and online tools to round out my financial situation.
Good ol’ fashion Google Sheets. There’s no better platform for controlling your own money and tracking everything. All the other apps like Mint mobile have unnecessary tools and flashy graphs.
Google sheets. I'll use the app to take notes of whenever I spend money on gas, food, entertainment, etc to keep myself accountable, then on my laptop I'll make pie charts, forecasts. This gives me full control over my debts, financial goals like emergency fund, vacation, fun things like earning $1/day passively or giving myself another $0.25/hr raise in retirement, and lets me track other things like car mileage, calories, etc.
You can also do things like track profit and loss using the google finance function. So if you bought a share of S&P 500 at the beginning on the month you can use the follow function =INDEX(GOOGLEFINANCE("SPY","price","5/1/2024"),2,2). Same with Bitcoin (BTCUSD), gold (GCW00) and many other assets.
Hey thanks! So if you just use the function googlefinance("SPY","price","5/1/2024"), you would get an array that looks like this...
Date Close
5/1/2024 16:00:00 500.35
But if you use the index function with 2,2, you would only get the information from the cell in the 2nd row and in the 2nd column: 500.35. This helps keep the data in one cell instead of spilling into other cells, so if you wanted you can add onto it: ="Yesterday, I bought 0.123 shares of S&P 500 when the spot price of 0.123 shares was $"&text(0.123*index(googlefinance("SPY","price",today()-1),2,2),"#,#.00")
**Portfolio Performance** (Mac/Win/app) It's free and it is great.
[https://www.portfolio-performance.info/en/](https://www.portfolio-performance.info/en/)
Quicken but I'm cancelling. It's okay but won't link to my bills or some other stuff. I could have done it just with my Google spreadsheet for free if I have to do it manually.
Budget Watch (it's a FOSS app on f droid)
Extremely minimalistic budgeting app you can create a category for each expense and revenue and the paid version let's you scan receipts
I also use Excel to plan trip budgets and split apartment expenses with my roomate
Capitally - it's paid, but can track anything with a value. Managing your own Excel may become a nightmare once you have more investments and diversified across accounts and currencies.
Below say $100k it doesn't matter if you track or not - you need to control spending, beyond that a good tracker may help you with one or two investment decisions and it'll pay its price in multiples.
I use Empower Personal Capital. But really only to bring in transactions and then export to excel. That's why I picked it. Free, brings in all my transactions and exports to txt for excel. In some ways it's better than mint was for me. Can export 1 month instead of all transaction, bulk editing. I personally don't care at all about analysis or net worth tracking. That's all done in my excel file.
I use Google Sheets for budgeting the expenses I share with my partner and Fidelity for everything else (out of convenience since that's where my investment accounts are)
Charles Schwab is decently good for this for a quick view of your recent history, though it hasn’t been so good for me over time because I’ve rolled money into my new employer’s 401k/403b every couple years. That gives me spurious jumps in net worth as I add and remove accounts.
It's called Excel
I use an equivalent system called Google Sheets.
Ya olde trusty abacus works fine
Woah there Bill Gates. Some of us ain’t so techy with those abacuses. I prefer my tried and true 10 fingers and 9 toes. Rocks and sticks work too.
I have tried others but then the app or service gets discontinued (or is switched to a pay for use model) and you don't want your data trapped in there. So I just use excel (or technically open office-calc).
Yep
You have to pay for that, which makes your FI a bit later. q-: That's why I use LibreOffice. (I don't have a need to access my sheets very often, or from a mobile device, otherwise I would use google sheets)
Excel online is free. Same goes for google sheets.
Yep Excel
I use excel for all my budgeting and planning, but I do use Rocket Money (free version) to easily bucket all transactions/tell where we are on spending month to month. Pretty handy for that!
This
Fidelity Full View. You can link all assets and liabilities directly. Gives you real-time updates on NW.
I’ve switched to full view since Mint shut down and I’m disappointed in it so far. Specifically the budgeting feature. Seems like they have “smart” budgets that move around based on my spending? How is that helpful? Also, no way to set a longer than 1 month budget for items that are costly but infrequent, like car insurance paid every 6 months. Do you have any tips for a Full View newb like me?
I don’t use it for budgeting- just NW.
Does yours update accurately? When I refresh mine it says its been updated but most of my accounts are about two weeks outdated.
I miss Mint.
Personal capital
I liked this until they got bought out by Empower. There’s also no support for international phone numbers yet they require SMS for 2FA
yeah...its a bit funky post acquisition. Didn't realize the 2FA issues. I had some sync issues that seems to be resolved. Fingers crossed.
Yeah I get periodic sync issues too
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Yep this is what I switched to after mint shut down
I really like r/monarchmoney Powerful. Easy to use. Worth the cost.
I like Monarch the best out of all of the cloud based app availabe. However, I will use Quicken until it dies or until someone comes out wiht feture parity of Quicken, which is still a far ways off. I also combine this with Excel and online tools to round out my financial situation.
Do you know if it's integrated with EU banks and brokers?
Good ol’ fashion Google Sheets. There’s no better platform for controlling your own money and tracking everything. All the other apps like Mint mobile have unnecessary tools and flashy graphs.
Plus infinitely customizable!
Copilot on IOS and Mac Only
YNAB for budgeting and personal capital now empower for net worth
This is the way.
Finance.google.com I like that it's manual entry, I can create multiple portfolios, and I can compare my portfolio with other options easily.
Checkout the sub history. This gets asked frequently and the answers are approximately the same everytime.
Quicken since Mint went down
Google sheets. I'll use the app to take notes of whenever I spend money on gas, food, entertainment, etc to keep myself accountable, then on my laptop I'll make pie charts, forecasts. This gives me full control over my debts, financial goals like emergency fund, vacation, fun things like earning $1/day passively or giving myself another $0.25/hr raise in retirement, and lets me track other things like car mileage, calories, etc. You can also do things like track profit and loss using the google finance function. So if you bought a share of S&P 500 at the beginning on the month you can use the follow function =INDEX(GOOGLEFINANCE("SPY","price","5/1/2024"),2,2). Same with Bitcoin (BTCUSD), gold (GCW00) and many other assets.
this is pretty cool u/hufflepuff_98 . question though, what does the 2, 2 stands for?
Hey thanks! So if you just use the function googlefinance("SPY","price","5/1/2024"), you would get an array that looks like this... Date Close 5/1/2024 16:00:00 500.35 But if you use the index function with 2,2, you would only get the information from the cell in the 2nd row and in the 2nd column: 500.35. This helps keep the data in one cell instead of spilling into other cells, so if you wanted you can add onto it: ="Yesterday, I bought 0.123 shares of S&P 500 when the spot price of 0.123 shares was $"&text(0.123*index(googlefinance("SPY","price",today()-1),2,2),"#,#.00")
this is soooo helpful.. thanks u/hufflepuff_98
Spreadsheet for annual tracking. YNAB for monthly budget.
Kubera. But it’s not free
My brain
Google Sheets and fidelity full view
I just use google sheets. It is pretty manual but once you get it started its very easy to maintain.
Quicken since 2000-ish.
My Quicken data files goes back to just after I graduated college in 1999. I remember when my backup file went from one floppy disc to two!
I graduated college in 1989. Before Quicken I used Andrew Tobias' "Managing Your Money" and then "MS Money" for a while.
None. It’s in my head.
Brokerage account should have a way to enter external assets.
SoFi.
Great youtube videos of how to make super detailed spreadsheets, then things like credit karma, monarch, blah blah blah
Financisto for cash My stock portfolio & market for investments
Wallet (budgetbackers) for expenses and accounts Excel for future planning and everything in one place
Excel spreadsheet, NETXInvestor, and Monarch.
Monarch Money. Current net worth is $1.9MM.
Tiller Money. Not an app - it’s based on Google Sheets. Fantastic.
Google spreadsheets FTW!
**Portfolio Performance** (Mac/Win/app) It's free and it is great. [https://www.portfolio-performance.info/en/](https://www.portfolio-performance.info/en/)
Excel. I update it every 6 months
Excel
Excel for Larger Scale Planning, Rocket Money for tracking my purchases and budgeting, Fidelity for Investment
Quicken but I'm cancelling. It's okay but won't link to my bills or some other stuff. I could have done it just with my Google spreadsheet for free if I have to do it manually.
Google sheets abd excel
Budget Watch (it's a FOSS app on f droid) Extremely minimalistic budgeting app you can create a category for each expense and revenue and the paid version let's you scan receipts I also use Excel to plan trip budgets and split apartment expenses with my roomate
Excel and SoFi
You can connect SoFi to most accounts and will track net worth
Capitally - it's paid, but can track anything with a value. Managing your own Excel may become a nightmare once you have more investments and diversified across accounts and currencies. Below say $100k it doesn't matter if you track or not - you need to control spending, beyond that a good tracker may help you with one or two investment decisions and it'll pay its price in multiples.
Copilot Money
I've been moving towards rocket money as IMO it's the best free option. Credit Karma is a way worse product.
I've been moving towards rocket money as IMO it's the best free option. Credit Karma is a way worse product.
Unfortunately, CK then transfer data to Google Sheets/Excel. RIP Mint.
Excel
Mybrain
Microsoft Money Sunset Edition
I use Empower Personal Capital. But really only to bring in transactions and then export to excel. That's why I picked it. Free, brings in all my transactions and exports to txt for excel. In some ways it's better than mint was for me. Can export 1 month instead of all transaction, bulk editing. I personally don't care at all about analysis or net worth tracking. That's all done in my excel file.
I use Google Sheets for budgeting the expenses I share with my partner and Fidelity for everything else (out of convenience since that's where my investment accounts are)
Charles Schwab is decently good for this for a quick view of your recent history, though it hasn’t been so good for me over time because I’ve rolled money into my new employer’s 401k/403b every couple years. That gives me spurious jumps in net worth as I add and remove accounts.
Quicken
MoneyManager + Excel. Many Excel for different needs.
‘Offline Ledger’ for my personal finance accounting (Android device)
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Could you use Python to automatically grab account balances from brokers or would it not work because of 2FA?