re: Anyone here use a budget app?

Agree that Mint is not good for building an annual plan. I’ve built that in Excel if I cared enough in the moment.

I like Mint albeit sometimes I wish the user interface was more flexible. The investment section is still completely useless...as in, I think the entire algorithm is wrong.

Mint is awesome for transaction tracking, net worth trending, monthly net cash flow and net income tracking. I’ve gotten to the point where I know there should be roughly $X free cash flow each month...if not, I can easily double click into what drove the deviation for the month. You can track net worth changes quite easily. I’ve found that as assets get diversified, it would be very difficult to generate a net worth statement otherwise. Market gains and losses, dividends, 401K matches and contributions, HSA contributions, monthly cash flow changes...that’s a lot of variables that can drive meaningful changes.

I used Personal Capital for a couple years but I eventually didn’t see much value in it. The random phone calls were also a turn off.