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recommendation: everydollar, mint, ynab or something else?
Posted on 7/4/17 at 9:26 am
Posted on 7/4/17 at 9:26 am
I've seen all three mentioned here. I used mint about 9 or 10 year ago and left it for yodlee I believe. I got lazy and quit using yodlee not too long after b/c they both had sync issues with capital one (or at least I did). I've read that mint hasn't changed or improved since I used them but it seems many people still use it.
One of the main features I want is to be able to sync my bank information with my budget throughout the month. I don't mind reconciling it, but I don't believe my wife nor I will be disciplined enough to log every transaction as they happen. Adding my investment accounts would be a bonus but not required to the app/service I use.
Fyi, I don't mind paying for the service if there is a significant difference in the features and performance.
TIA
One of the main features I want is to be able to sync my bank information with my budget throughout the month. I don't mind reconciling it, but I don't believe my wife nor I will be disciplined enough to log every transaction as they happen. Adding my investment accounts would be a bonus but not required to the app/service I use.
Fyi, I don't mind paying for the service if there is a significant difference in the features and performance.
TIA
6
Posted on 7/4/17 at 1:45 pm to notbilly
I use Mint and rarely have any issues. I check it maybe once a week and check for things to be categorized correctly, but in general it does exactly what I want it to do. For month-to-month, year-to-year tracking I use a custom Excel spreadsheet and input my budget numbers from Mint for spending.
Posted on 7/4/17 at 1:56 pm to notbilly
quote:
One of the main features I want is to be able to sync my bank information with my budget throughout the month
Then remove ynab from the running.
They intentionally omit that feature as a design choice, believing you should be hands on seeing where money goes as you "assign a job to every dollar."
Posted on 7/4/17 at 2:07 pm to Volvagia
I am also very interested in finding a good app or tool, but I have a few other needs:
Any tools sync with international banks?
Any of them allow you to import historical data from Excel (I have about 13 years of data I don't want to lose)? I'd also like to export back to excel.
Can I sync with multiple banks (domestic and international)?
Can I sync multiple other retirement/investment accounts?
I know this is a lot to ask, but I would definitely pay for this service!
Any tools sync with international banks?
Any of them allow you to import historical data from Excel (I have about 13 years of data I don't want to lose)? I'd also like to export back to excel.
Can I sync with multiple banks (domestic and international)?
Can I sync multiple other retirement/investment accounts?
I know this is a lot to ask, but I would definitely pay for this service!
This post was edited on 7/4/17 at 2:11 pm
Posted on 7/4/17 at 3:42 pm to notbilly
1. Quicken
2. Personal Capital
3. Mint
4. YNAB
2. Personal Capital
3. Mint
4. YNAB
Posted on 7/4/17 at 4:05 pm to RatLTrap
I use mint, tried personal capital but when you have even just an average investment they call you constantly. Mint has been great for me so far
Posted on 7/4/17 at 6:22 pm to tigersnipen
quote:
when you have even just an average investment they call you constantly.
I have never experienced this.
Posted on 7/4/17 at 8:21 pm to RatLTrap
Agree with Personal Capital recommendation. I just booted it up this week after slipping into bad spending habits and it's definitely easy to use. It's free as well in case you didn't know.
Posted on 7/4/17 at 8:26 pm to lighter345
Love Mint. They can improve the visualizations but the core functionality is strong.
Posted on 7/4/17 at 8:49 pm to notbilly
I like mint for monthly budgeting and personal capital for long term retirement goals.
I see a lot of complaints about mint but I have about 20 accounts from 10 different financial institutions, ranging from local to international, and i rarely ever have any issues or complaints.
I see a lot of complaints about mint but I have about 20 accounts from 10 different financial institutions, ranging from local to international, and i rarely ever have any issues or complaints.
Posted on 7/4/17 at 10:19 pm to Creamer
quote:according to their website
I like mint for monthly budgeting and personal capital for long term retirement goals.
I see a lot of complaints about mint but I have about 20 accounts from 10 different financial institutions, ranging from local to international, and i rarely ever have any issues or complaints.
quote:
Does Mint.com support international banks? Not yet. Currently Mint only supports US-based financial institutions. We hope to support financial institutions based outside of the US in the future.
Posted on 7/5/17 at 8:44 am to Spirit of Dunson
I should have been more clear, I meant international scale, as in Chase. I don't have any foreign country based banks.
Posted on 7/5/17 at 11:12 am to notbilly
The one you wind up using well. I know it's hard to know ahead of time which one that is but if you pick one and find you aren't using it for what you need, move on to another one.
Personally I use Quicken and have for a long time. The learning curve can be intimidating but I do accounting work professionally and it works great.
OTOH if all you do is track one or two account balances, you could just roll with Excel.
Personally I use Quicken and have for a long time. The learning curve can be intimidating but I do accounting work professionally and it works great.
OTOH if all you do is track one or two account balances, you could just roll with Excel.
Posted on 7/5/17 at 12:14 pm to notbilly
Personal capital is more targeted toward investments/net worth but does track every transaction by category which provides some budget tracking capabilities. It isn't fully customizable, though.
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