Looking for personal finance software

January 5, 2020 2:41 PM

I'd like recommendations for personal finance software, paid is ok.

I'm currently using YNAB 4 (the now outdated version) for budgeting and like it, however what I'm interested has grown beyond what it can do. Things I would like are:
- comprehensive software that covers day-to-day budgeting as well as investment tracking and planning
- auto-import of data from multiple bank, credit card, and investment accounts
- ability to import data from past years in some way
- good search function
- ability to generate custom reports and summaries
- integration with a mobile app if possible - I like how YNAB lets me check current monthly budget category balances on my phone

What would you suggest?

posted by medusa to Computers & Internet (7 answers total)

Have you looked at the current version of YNAB?
posted by chesty_a_arthur at 3:00 PM on January 5, 2020 [2 favorites]

I was also looking for a YNAB 4 replacement, and ended up getting SEE Finance 2. It's Mac-only, though.

I haven't yet explored all the features, but if you have a Mac you could download and try it out.
posted by research monkey at 4:36 PM on January 5, 2020

I've never used YNAB, but I've been pretty happy with Mint. It ticks all your boxes, except for importing old data (if there's a way to do it, I'm not aware other than entering it manually). The mobile app and search in particular are pretty good. As for data syncing, I use multiple banks/brokerages/etc and the only one I've had issues with is Wells Fargo - everything else seems to work.
posted by photo guy at 4:41 PM on January 5, 2020

Response by poster: I should have added, I did look at the current version of YNAB, but would like to go beyond it for handling of investments (it doesn't do that well).
posted by medusa at 5:44 PM on January 5, 2020 [1 favorite]

Mint is good for most of the stuff you mention, but I have never found it to be useful for actual budgeting. That's the one big caveat.
posted by peacheater at 5:46 PM on January 5, 2020

If you’re comfortable with spreadsheets, there’s Tiller, which sucks account data into a Google Sheets or Excel spreadsheet. There are a pile of premade stock templates to get you started, but since the data is in a spreadsheet, you can build out whatever report you need.

It’s 5 bucks a month. I’ve been using it for 18 months and about the only hiccup is that Apple Card won’t share account data with it. (Manual entry is the workaround.)
posted by notyou at 6:28 PM on January 5, 2020 [1 favorite]

Quicken. I can't bottom out in it, it continues to surprise me with how comprehensive it is.

But - all these pieces of software are compromises - having used mint, tiller, ynab, betterment, personal capital, etc. etc. I can say that good ol' Quicken hits all the right notes. Yes, I have to run VMware on my mac to use the small business version. Yes, it has problems. They all fall short somewhere. It's better than anything else I've tried.
posted by niicholas at 8:27 PM on January 5, 2020