People Want Unified View of Their Money
Many individuals are overwhelmed by managing their finances across multiple accounts and struggle to gain a clear, unified view of their spending, debts, and savings goals. They seek tools to simplify budgeting, track expenses, and align their financial behavior with their long-term objectives, often frustrated by existing solutions or the lack of flexibility in how they handle income cycles.
SOURCES (60)
“Good one dude, i think i was caught in the rabbit hole of fancy graphs, templates...”
“it's something that my mom does where she would log in how much she has earned a month, how much to take out to put into her own savings, how much money is taken out for the mandatory savings account here in singapore and so on. The thing is that she doesn't actually rely on her banking app and prefers to rely on a notebook and pen for it to keep track of her money, every month she would count how much money she has and log them down. She has two of these books, one for the business that”
“Exactly. My toughest thing with spending is it’s too out of are out of mind. Really trying to buckle down with savings. Ever find anything like this?”
“I would suggest Charity Navigator. You can give to multiple charities in one checkout, make the gifts monthly, and manage them from your account.”
“What is the simplest way you keep track of expenses that are coming up but haven't been paid yet? Do you subtract them from your current balance, keep a separate list, or use another system? I'm looking for something easy enough to keep updated without much effort. submitted by /u/1passatempo [link] [comments]”
“This! I'm still on a free plan but it still does everything I need in a small business. I keep expecting it to nag about upgrading to a paid plan but it's been over a year and nothing. I'll definitely pay when I find something I need to upgrade for, it's been great. Edit to add - the app is also surprisingly great too. I really can't fault it.”
“Zoho Books is fantastic to get started with and you either stick with it because the free tier is enough for what you need or you upgrade it for more features or move to a different product that has what you want and use. It’s at a good value cost too imo. Other more known brands I found expensive for their starting tier that were obviously limited enough to make them just short of useful for small business or some traders.”
“I have a small business for landscaping and gardening in Australia. It's usually just me but one of my friends gives me a hand when and if I need. Id like to find an app that keeps track of what I earn, spend, pay and what I need to have set aside for taxes. If this app can also do invoices that would be amazing TIA submitted by /u/sokedokes [link] [comments]”
“Hi, as the title says. I’m looking for a free app that’s fairly simple to use that allows me to keep track of my income/spending each month. It’d be great to have an easy interface showing how much I’ve spent on gas for the month, or groceries, or shopping, and keep track of how much I save. Thanks! submitted by /u/divorceu2 [link] [comments]”
“SharkFin is my personal finance dashboard inspired by Monarch. I can connect bank accounts through SimpleFin and then link those to Actual Budget to feed the backend. The great thing about Actual is that its open source, allowing me to store the data locally and have full ownership over it. One of my favorite parts of the app is how customizable it is. I own a couple of properties and I added a separate page to monitor each property individually . From there, I can see how much I'm cash flow”
“If Origin Financial still have $1 per year promotion, try it. It's easy and gave you more than you need for financial planning.”
“Hello! I am looking for suggestions for the best joint checking accounts. My boyfriend and I are moving in together and would like to do a joint account to pay our rent and bills from instead of doing Zelle transfers. Please note that im not looking for relationship advice and am strictly looking for banking suggestions 😂 i know everyone is very passionate on here but remember that every relationship is different and what works for me may not work for you! I really appreciate everyone’s input i”
“I uses to use YNAB before they switched on to the subscribtion model, and now i am struggling to find a replacement. Im so close to just going pen and paper for this.Any help will be appreciated. Thank you for your time submitted by /u/Tylos_Of_Attica [link] [comments]”
“Last week, my card was declined at the grocery store. I was certain we had plenty of cash, but my wife had used the card for a big purchase a few days prior and forgotten to log it in our shared spreadsheet. Standing there holding up the line while frantically checking banking apps to transfer money was embarrassing. hat was my breaking point. tracking multiple accounts manually across two people just doesn't work. i spent the weekend completely automating our setup so i can stop playing acc”
“How do you all actually stick to an annual budget ?mine falls apart after 2, months submitted by /u/hanirabie79 [link] [comments]”
“Hi Friends, Does anyone know where I can find any open-source credit card benefits tracker sheets that are widely used by people here? Does this community have one that I can start with and build on? submitted by /u/Future_Garage_7748 [link] [comments]”
“Does anyone have a recommendation for a good app for budgeting that allows me to near real time reconcile my spending and integrate with a banking app? submitted by /u/Jennygdc2244 [link] [comments]”
“I personally use CoPilot Money but it’s become too overwhelming for me and I need someone much more simpler. Goal: view my expense and my income, that’s it. No calendar no savings no investment feature just those first two. What I would like it todo (most important to least) 1. If it can auto import transactions when I use my cards it tap - If it can import past transactions even better 2. Willing to pay up to $95 per year 3. If it has a desktop version even better Apps I don’t like, YNAB, rocke”
“I gave it all the facts, and what I hoped to get out of it. It took days of brainstorming to remember every single solitary monthly expense from many bills, taxes, meds, haircuts, gifts, to date night. I told it my holiday plans, home improvements, dentist, everything. It took about 3 days as I kept remembering more expenses. In the end, I had monthly sheets, well drawn out plans, and hope. The results just had me in such complete awe, I cried, I had a doable working plan right in front of me. I”
“I am the creator. The idea of KOWA is that you export the statement from your own bank (CSV or Excel) and the app reads it, so there is no bank login, no aggregator and no stored credentials anywhere. The part I actually need help with is the reading. I tested it against 106 bank formats and fixed 32 of them, but a real statement from a bank I have never seen is a different animal: dates written backwards, a balance column pretending to be the amount, debit and credit in two columns with no head”
“I’m looking for a personal budgeting app that allows me to sync my student loans aidvantage account to the app. Does this exist? I know that you can manually add student loans into some apps, but I’m looking to see if there is an app that connects them directly. If not, how are you all doing it? submitted by /u/SlipWild5350 [link] [comments]”
“I use Monarch. Love that it aggregates and allows for multiple users. I had issues with other apps where i have an account at one bank and my wife has an account at same bank. Most other software has issues handling two from same bank. But with monarch you can have say two logins for each member, and each link their accounts and it aggregates to the single profile. Only one I've found that will do that. Only downside is it doesn't meet your free criteria. I'm willing to pay the $50-1”
“There's a lot of budgeting apps out there... Are you looking to pull automatically transactions from your banks? Generally you'll have to pay for that. Are you familiar with zero-based budgeting or other types of budgeting methods?”
“I love the concept of Monarch Money, but my husband doesn’t want to spend any money to track finances. I struggle with over spending on a budget when I have to look at multiple apps, but do well when I have real time data of what I’ve already spent in each category. I also struggle to keep a spreadsheet up to date with everything. is there anything free that will work a budget and real time track spending? or am I doomed to pay for Monarch or fight with excel? submitted by /u/shepard”
“You can self host Actual Budget for free, but it will cost 1.5$ a month or 15$ a year to be able to sync transactions to your bank accounts. Otherwise you have to manually input them or use csv imports. There is not a completely automated transaction categorization, but you can set rules based off account, payee, amount, notes, etc to categorize your transactions. It also has a learning feature that will learn rules as you categorize them yourself. If you are moderately tech savy you can set it”
“TLDR Ideally im looking for a budget app that lets me set monthly spending limits but isn’t so focused on long term goals. I’m basically looking for “Where did my paycheck go this month, and am I spending too much?” rather than a super comprehensive financial independence/retirement planning tool. I’ve been trying to use WizeFi because I really want a free budgeting app , but I’m having a hard time figuring out if I’m just not using it correctly or if it’s not the right fit for what I’m looking”
“necessary steps convert AI credits to USD (1 AI credit = 0.01 USD) sum budget limits (now same unit, USD) sum already used amounts calculate fraction and display”
“necessary steps convert AI credits to USD (1 AI credit = 0.01 USD) sum budget limits (now same unit, USD) sum already used amounts calculate fraction and display”
“Firefly III seems to be the most popular one, but also has a pretty complicated setup. I just want to get a better overview over my finances, what I am spending money for, what I am saving for and what I have "left over". Awesome selfhosted lists a bunch of options but doesn't really tell me much about the benefits and drawbacks of each option. Automatic Imports from my Banks (Sparkasse and DKB) would be great. What would you recommend for such a simple but still nontrivial require”
“Specifically I’m with TRUIST. I just feel like I must have some mystery, possibly recurring, expenditures and I’d like to pull my account into something that is better at identifying what the actual charges are etc. Trying to organize my budget better. Also would like something that can discern between my card and my wife’s card (same account, different cc numbers). The Truist website really doesn’t have an easy way to do this that I can see. Any suggestions? I don’t mind a small fee if it’s a b”
“I have gone to the same bank since I was 17 (Bank of America), and after a scam that left me with a negative balance in November (-249 dollars), I’m considering changing banks once this issue is resolved. I’m 24, with no previous financial issues or credit history, only a debit card, and limited job and money experience. I'm also interested in an investment/brokerage account to maximize my financial portfolio as I get older, as well as a Roth IRA, a 401k, and even a health savings account as”
“Wanted to see if theres any consensus on the best phone app to combine all of your bank accounts, credit cards and finances to easily keep track. everytime I open a different app there’s a new cashback bonus for this or that and it’d be nice to be able to search from one platform. rocket money good for it? I’d be willing to pay $5 a month for something that does the leg work for me. renewal fees, cashback bonuses, different card benefits is mainly what I’m after submitted by /u/Kaios”
“I am a recent grad and I want to start budgeting and pay down my debt. No federal student loan provider allows account connection to any budgeting apps so I want to use and app where I can input my loan amount with the interest rate and the app will track the interest And when when I make a payment I can assign the payment to the loan. I’ve tried rocket money and monarch and these apps fell short of this. Is there anything out there? submitted by /u/SlipWild5350 [link] [comment”
“I’m looking for an expense tracker that will automatically link to your email or a manual entry where I can add a return to a particular expense and it should automatically track and notify me if it does not appear. In addition to that, I also have a lot of grief with venmo and splitwise, especially because if i spent 80 usd for dinner and my portion is 20, I want it to cancel out and just show up as 20 once I get my money back. I also would love for it to show the actual splitwise transactions”
“We’ve been building Merido, a UK-focused app designed to help you understand your overall financial position rather than just track your spending. It brings together things like pensions, investments, property, cash and debt to show your net worth, how it’s changing over time, and help you explore how different decisions could affect your wealth. We’ve just opened up a free early preview and are looking for people to try it and give us some honest feedback. Privacy and data handling are a big fo”
“We don’t use the budgeting stuff at all, just the tracking, categorization, and spending reports, and then seeing a snapshot of all the different accounts is helpful”
“App Name: Finance Tracker What it does: Finance Tracker is an India-focused personal finance app designed to help you manage your day-to-day money in one place without making the experience complicated. You can track expenses, income, budgets, bills, recurring payments, savings goals, bank accounts, notes, and even trading profit/loss while keeping your financial data primarily on your own device. The app follows a local-first approach, so your financial records are not stored on my server. The”
“You may actually just be looking for a simple debt pay down calculator. It’s straightforward math that determines the financially optimal debt to pay off first. A full budgeting app may be overkill here.”
“check out Copilot or Monarch. great middle ground for tracking debt without being overwhelming.”
“Looking for a solid budgeting-first app to walk me out of debt. I see plenty of apps but they all seem more focused on investment dashboards + assuming categories loosely and not tracking credit card spending well. I currently have just got in a position to be able to pay down my debts and cover everything I need to pay on my checking account so I want to have something that will provide the actual number needed to pay down on each card each month, rather than just tracking portfolios. I have YN”
“Hey guys. To make things short, we're looking to move away from our old clunky bank setup where we had to deal with super time consuming expense tracking. We don't really have a large amount of workforce and experience for our finance team as of yet, so we're just looking for any spend management platform that's the easiest to use. Main things we need are a simple UX for managing and issuing team cards a nd tracking monthly software bills. Appreciate the help, thanks everyone. &#”
“Quicken for the last 17 years (2009). Microsoft Money for a few years before that.”
“so i need an app that i can use both me and my wife and the both phones should be linked togather (synced) like if a add an account or do a transaction it will be synced to her app too this way we can make purchases or whatever without needing to review then and sync them all manually every end of a day submitted by /u/usecodedrkim [link] [comments]”
securo is a good option for me https://github.com/securo-finance/securo
“Hi everyone! I’m trying to get better at tracking my personal expenses and doing a monthly bank reconciliation. For those of you who are really good at managing your finances: Do you use Excel/Google Sheets or an app? Do you have a template for tracking income, expenses, transfers, etc.? How do you reconcile your bank transactions with your expense records each month? I need something detailed and easy to track everything from expenses to savings. I'd appreciate your advice. submitted”
“I’ve been using the free one-month trial of ChatGPT Plus and have really enjoyed it, but once the trial ends I’m probably switching to Go. I use ChatGPT for budgeting and savings goals, planning for a house, car troubleshooting, HVAC/mechanical engineering questions, PE exam prep, Bible study, meal planning, writing, organizing ideas, and everyday questions. My wife already uses Go and really likes it. For what she uses ChatGPT for, it fits her needs really well, which is another reason I’m lean”
“I do lots of shared money activities, like deposits for vacations, roomates coordination for rent, etc. Is there an app that lets you make temporary pools for money seeing who paid and can be a real account you both can pay from, not like just a spread sheet, but real temporary joint accounts that can open and then close when the purpose of the joint account is no longer needed, and the sign up doesnt come with lots of KYC / overhead or credit checks? submitted by /u/its_Jah_Monkey [”
“Hey everyone, I’m looking for a simple app or website to track my expenses and see where my money is actually going. My work situation makes income tracking a total nightmare—I get paid through a mix of Zelle, Venmo, Cash App, cash, and ATM deposits. I tried YNAB and Monarch, but allocating all the different incoming funds, figuring out what was personal vs. business, and managing the constant income noise was a complete pain in the butt. I ended up feeling super overwhelmed. I don't really”
“Hello, Wondering if anyone has any suggestions on a budgeting app? Wife and I are looking to finally start budgeting to pay off all our debts and be debt free. I have tracked all of our expenses and income in a piece of paper and looking for a good budgeting app. I started using YNAB couple of days ago and I'm still trying to get the hang of it but I'm not sure it's the kind of budgeting app I'm looking for. I'm looking for one where I can put how much I'm going to spend”
“Hi, I'm after recommendations for a lite, self hosted expense planner please. ie: If I know I have my car insurance coming up in December, I want to put in that amount and preferably have it calculate how much I need to set aside each week to cover it. If I miss or skip a weekly payment (putting aside) then I can enter that and it re-calculates the larger amount I now need to put aside to make that payment in December. I'm happy with a basic calendar format where I can enter when my next”
“Most budget files I downloaded were a pretty table and a dashboard that stayed at $0. I wanted one workbook that: - holds a 12-month plan - takes a real transaction register - pushes actuals into the budget - points extra cash at the smallest debt - shows sinking funds and a net worth snapshot That’s the file. Excel or upload the .xlsx to Google Sheets. Yellow/blue cells are inputs. I am not a finance person. I built it so I would stop using Notes as a budget. Happy to hear what is missing. Link”
“I've been using Afterpay and Zip at the same time for a while now, and I honestly couldn't tell you what my combined total owing actually is, since each app only shows its own side of things. I've been thinking about building something that pulls it all into one place, showing the total owed across every provider, what's due and when, rather than checking a few different apps to piece it together. I’m genuinely not sure if that's actually useful or if it's just a habit I”