It also doesn’t have to be something you spend a fortune on by hiring a personal accountant. Even so, personal finance management doesn’t have to be a nightmare. Unfortunately there really isn’t a silver bullet out there, it all comes down to what’s most important to you and going that route, or using a combination of tools.Managing your finances can be a daunting task, especially as you get older and your situation becomes more complex. The main advantage I see with these is they automatically important all your transactions into a format where you can build out custom reports and charts that are well suited to what you need.Īs I said before, there are plenty of other tools out there, but these are the ones I have the most experience with. I have only my investment accounts connected to PC and like that it’s easy to check on everything in one place.Įxcel Money/Tiller I haven’t used as much, but have briefly played around with them. If higher level tracking suits you more, it’s definitely worth a shot. Personal Capital has a lot better visibility into investments, along with pretty rudimentary budgeting capabilities.
I moved to YNAB after using Mint for a while and wanting to get more serious and proactive about my monthly budget. To really get the full benefit, you need to be checking it almost every day and ideally proactively inputting expenses as you spend. If you want something that automatically tracks your spending and balances with very little effort on your end, Mint is probably still your best option. Mint tries to do a LOT of different things and is just “okay” at many of them. I’m sure there are other examples but these are what comes to mind for me right now. In my opinion it really depends on what you’re looking for and what is most important to you.Ĭustomizable reports? Tiller or Excel Money
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