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)
“What would you change? Thoughts? I’m kind of looking for a better way to budget for some items like paper towels and the occasional toy for our kid/s. Vacation savings is high since we’re saving for a destination wedding early next year. See image https://imgur.com/a/89Aplrk…”
“Hey everyone, Managing multiple credit and debit cards is becoming a nightmare. Keeping track of spend thresholds, eligible benefits, milestone tracking, and constant bank devaluations or revaluations manually takes way too much effort. Is there an app, platform, or website where I can: Select/input my active cards. Automatically or manually feed statement/spend data to track eligible rewards and milestone progress. Stay updated on the latest policy changes, exclusions, and reward devaluations a”
“What are some of the best checkbook register/money management programs that are for PC that I can sync with my phone and that can work when not connected to the Internet. Sometimes I don't have Internet depending on where I'm at and it'd be nice to still update my finances while offline and have it synced to my phone when I'm connected to the Internet. I used to use Money Pro and I haven't had a issue with it when I used it but I'm seeing if there's better options out”
“What are some of the best checkbook register/money management programs that are for PC that I can sync with my phone and that can work when not connected to the Internet. Sometimes I don't have Internet depending on where I'm at and it'd be nice to still update my finances while offline and have it synced to my phone when I'm connected to the Internet. I used to use Money Pro and I haven't had a issue with it when I used it but I'm seeing if there's better options out”
“Many credit cards have this function built into the WebApps. Let's you see a few months running averages. The benefit is minimal long term compared to a spreadsheet tracking regular expenses vs non essential items. Get a handle on all your must spend stuff: rent, retirement, gas, daycare, groceries, internet. This will really highlight the other stuff for you to then hone in on. Even better if it's on autopay or through secondary bank accounts. Keep the mental load low.”
“Hello, I tried searching but most app recommendations involve linking to a bank account. I was wondering if anyone knows a simple app where I can enter in expenses as they come up and I can maybe categorize it to see where my money is being spent. I know I can do a spreadsheet, but I feel like an app would be easier for me to track as I go about my day. Thanks for any advice! submitted by /u/ZealousidealFan7769 [link] [comments]”
“Also, having a "every dollar" budget. Plan where every penny that comes in goes and follow that rigidly.”
“too many credit cards: create an electronic one that can be used as any Sounds like a smart phone.”
“CardStack is new to the scene but very polished. It automatically tracks benefits, auto-adds Amex and Chase offers, syncs points..etc It is iOS only.”
“I used to use spending tracker to keep a rough idea of where I was. It was all manual input so at times I wasn’t the best at updating it but generally I could sneak it in my work routine no problem (our process was generally 2-3 minutes of downtime inbetween a minute of active work). Well that changed and I can no longer keep up with it so I haven’t tracked where we are in months. Furthermore, as it was a transaction ledger type system I would generally categorize by retailer but that doesn’t tr”
“Hey y’all, hope you’re having a great day! Forgive the noob question, but I’m looking for advice on how to set up a personal sheet to track all of my purchases and spendings while also keeping track of my current savings. I’m thinking about using my phone’s notes app, and I just need to know how to organize the information. Some of the questions include should I track every single purchase or just write down how much I spent at the end of the day, how should I split and organize the sheet, etc.”
“Platforms: iPhone, iPad, and web browser (synced together) Price: Free core app. Optional Pro tier $1.99/mo or $14.99/yr (credit cards, savings, trends) — not required to use the app. Looking for: People who get paid biweekly or semi-monthly and currently budget with a monthly-assumption app (Mint, YNAB, a spreadsheet, etc.) — I want to know where NextCheck's paycheck-based model actually helps vs. where it's confusing or missing something your current setup handles better. What it is: M”
“Looking for something I can spin up that can help re-balance a retirement portfolio and ideally give me a nice dashboard of all my accounts, loans, and metrics. I have a complicated excel spreadsheet but get concerned it will break one day and some error in a formula will propagate leading me to the wrong conclusions. I've heard of actual budget but I'm not looking to do day-to-day budgeting. More to look at what I have invested in and re-balance my portfolio periodically to suit my targ”
“Can anyone suggest me a good tool to track and plan my monthly expenses? Also i would like any advices on how i should allocate my 64k/month as a 23 y/o. (I've to send ~10k/month home, 9k rent, ~5-6k food). And want to increase my standard of living now submitted by /u/Expert_Nowhere_445 [link] [comments]”
“The separate logins are annoying for sure but I agree with this, the tagging part is where the real headache lives. When I was tracking everything in spreadsheets I wanted to throw my laptop out the window every tax season. Good bookkeeping software that pulls from all accounts and auto-tags saves more sanity than a single login ever could”
“I can get new records saily, which is more frequently than I need. The upside is I found it more consistent than Plaid in Ynab. If I ever do, I can jump into SimpleFIN Bridge and see if there are any issues. The downside is I don't have it set up to pull in the background, so I'll log into Actual and hit "Bank Sync" and wait maybe 45 seconds until new transactions show up.”
“Looking to see if someone has this / if this exists somewhere online for free before I build it or pay for it. I need a spreadsheet that will track my current debt payoff (snowball method), my savings, and my anticipated future debt (I need to buy a car for my teenager sometime next year and a newer car for myself the year after next). Anyone have tips, suggestions, or links? Thanks! submitted by /u/CaptainAmy12 [link] [comments]”
“I’ve have 5 accounts right now. I used to do a small spreadsheet to keep track but really with each bank having an app I have them all together. I just have to click through each one a couple times a month and do any adjustments there. Easy peasy.”
“Hey everyone! I’m a student looking for a debit card or banking app that lets me divide my money into categories right inside the app. For example, if I have $1,500 total, I want to be able to allocate $1,000 for rent, $250 for shopping, and $250 for food so I don't accidentally spend my rent money and can track my spending easily. Does anyone have recommendations for apps or banks that offer this feature ? Thanks! submitted by /u/Difficult_Currency75 [link] [comments]”
“Rocket Money was the first and only one I have used and does everything well enough.”
“I started with tennant cloud, thats what I also used for rent collection, ect. Then I went to quickbooks and linked all my accounts and credit cards so it flowed into quickbooks and just had to be reconciled. That worked but I still had a disconnect from operations like rent collection and maintenance tickets. I was using multiple different software programs and it was clunky. Now, I use appfolio for everything. It’s my core system for operations as well as accounting. I go close out the books o”
“I have 3 properties, each with their own LLC. Is there an app that has all banking info on the same account with subaccounts for each property? I'm tired of logging into a different account and bank each time for a different property. submitted by /u/AdSeparate6751 [link] [comments]”
I wonder if this is something that simplefin would expose?
“Hello everyone, I've been looking to write this down at some point in time in a more formal matter. I've been commenting with a way shorter answer to members here and there when a budgeting question comes up but I wanted to make a long post about my views on budgeting, my views on how to approach budgeting and maybe help a few to adjust their budgeting tactics or get some to start a budget, which I think is one, if not, the most important thing one can do to improve its financial situati”
“I have been doing it manually. I'm just wondering if there's something that makes it easier and faster submitted by /u/Whole-Cash9452 [link] [comments]”
“I have money spread across several accounts, and I currently track everything manually in a Google Sheets spreadsheet. It's starting to get a bit confusing as things grow. Does anyone have a well-designed Excel workbook or another free budgeting tool they'd recommend? I'd prefer not to link my bank accounts to anything, as I'd rather avoid the security risk and keep everything manual. submitted by /u/maddieduck [link] [comments]”
“Hello everyone, I currently have a credit card account that have multiple credit card. All work great except there's multiple problem on the accounting management. While, as the account owner, I see everyone's transaction, I cannot see a split view per card (even if each transaction show which card did it). And I only see the total of all account balance. The other account user with their own card can see only their own transaction but no balance! I already reached out to the credit card”
“This actually doesn’t sound dumb at all. I think a lot of people underestimate how powerful automation is when it comes to money. The hardest part of saving isn’t always knowing you should save - it’s removing the constant decisions and emotional friction around doing it. If a system works for your brain and keeps you consistent, that’s a win.”
“Wifey and I are looking for something to track our bills, they do not stop coming. U guys found anything, we been testing one called Bill Sorted and our bank app itself but the bank app is not helping much.”
“The categorization pain you're hitting with Empower is the whole game, and it's not you. Most of these apps (Empower, and Mint before it) match transactions to categories with rules: merchant name goes to category. That breaks constantly, because one merchant sells five things and half your charges show up as cryptic strings like "SQ *COFFEE 8829". So you spend your life re-matching. The apps that actually feel effortless now are the ones that read the transaction context inste”
“Give Bluevine a look. They are a fintech company and use different banks depending on what the need is. Free to use and they have sub-accounts you can create as well.”
“Monarchmoney or similar. You need something that will ingest all your transactions and let you quickly categorize them. Everything else is simple time based analysis over the data which all these apps support. The other option is that at the end of the month you do this all by hand, maybe build some bespoke data analysis tooling.”
“trying to find the best starting point for building credit from scratch. don't have a credit card yet and not ready to lock money into a secured card deposit, so been looking at credit builder apps as an alternative. from what i've read there are two main models. credit builder loans where you pay in and get the money at the end, and revolving tradelines that get reported to the bureaus and affect both payment history and utilization. the loan model charges interest and only hits payment”
Correct, have you seen any other app doing that?? I havent tried it yet
“I'm looking for a free app that lets be track how much I spend on food. I don't need to nor want to connect a bank account, I simply want to put in an amount that I spent, where, and the date, and am able to see how much I spend on food per week/month/year etc. If it is the free version of a paid app that works too. I have tried Rocket Money and Every Dollar, but most of them lack in either all or one of the aforementioned departments. Any suggestions would be greatly appreciated.”
“I would purchase Monarch and use it for a year. It's so powerful and beautiful. You'll be able to clearly see your spending and then you can decide if coffee, movies, clothes, Amazon, whatever is at an appropriate level.”
“Keep it simple and use to track your budget on Google sheet. Any money left over each month invest right the way in registered accounts if you have contribution room.”
“The idea is simple: when you get paid from Uber, DoorDash, Upwork, or any gig platform, your income is irregular. If you are not on top of it, you end up overspending, missing bills, or getting hit with a surprise tax bill at the end of the year.Cleave fixes that by giving you a virtual bank account with a real routing and account number that you set as your direct deposit on any gig platform. The second your money hits, it automatically splits across virtual cards you create: one for rent, one”
“So I don’t know how to figure out budgeting. My S/O and I both have 2 banks, we both use chime and we both use PNC. We are recently married, will be a year in December. Right now I have all of our bills lined up in front of me, including debt. I’m starting a new job in August where I’ll be making a lot more than I do now. I have in our budget that each paycheck 15% will be put into a savings account. And then we will use a bank account to put in bills and other money needed. But my dilemma is th”
“Is there a trustworthy app or company that will look through my finances for free? I’ve accrued 10k credit card debt while trying to go back to work since having kids (childcare costs way too much) and I really don’t know how I’ve spent so much money. I don’t eat out or buy myself anything, usually get the kids stuff second hand. I’ve looked through and nothing stands out as unusual but theres a lot of smaller transactions. I have tried putting it into a spreadsheet but it takes far too much tim”
“So I can self-host this, connect with APIs to my bank accounts, save the data to local DBs, and view it on mobile for free? Or I have to pay for the Connect subscription? It's not clear to me.”
“Looking for the definitive personal organization app — tried everything, still searching I'm looking for a single app to handle: - Personal organization: budget tracking, appointments, bookmarks, habit trackers, etc. - Quick notes that might become full projects — or disappear the same day - Knowledge base for research I want to revisit later **What it needs:** - Native desktop and Android apps - WYSIWYG editor (please, no Markdown) - Free or very affordable - Self-hosted (I have a VPS and w”
“what i want is an keyboard-input-free, access-easy app. i speak about my expenses or incomes to the app and it records all. Keep input simple and easy-access is important. Is there an app that match my needs submitted by /u/Outrageous-Text-9233 [link] [comments]”
“A spreadsheet is a good place to start. It’s free and you can customize it exactly for your situation. If you really want an app, all the budgeting and tracking apps sync with cards differently so you just need to try a few to see what works for your situation. YNAB, Monarch, Copilot Money, etc. are common ones to try.”
“Check out rankt.com. One of the members on here suggested it to me but haven’t got a chance to dig into it yet.”
“Hi y'all, I currently track all my day-to-day spending with GnuCash. It's fairly clunky, but definitely gets the job done and meets my needs. However, soon I'll be combining my finances with my partner, and I don't think the manual workflows I've been using in GnuCash will scale well enough. Are there other selfhosted finance tools or workflows people have used here that work well for more than just yourself? Any advice is appreciated! submitted by /u/drumcorpsdru”
““I’m looking for the easiest personal finance app. I don’t need a strict budget—I mainly want automatic transaction tracking and categorization across all my accounts. I also have purchases from Walmart, Costco, and Amazon that often include multiple categories (groceries, clothes, household items). How much manual work do you actually do with Monarch, Simplifi, Copilot, or YNAB after the initial setup? If you could start over today, what would you choose and why?” submitted by /u/On”
“Sounds like you don’t want the app to encourage you to spend more just because you underspent yesterday. A spreadsheet would definitely be able to handle this math for you. YNAB also behaves like this (doesn’t encourage you to spend more), although there’s not as specific of a“daily budgeting” feature like you’re looking for. Envelope is also an option that has daily funding. So you could move $30 into an envelope per day and cap it so the envelope never goes above $30. Probably the closest to w”
“Im good at budgeting and if I overbudget, I have fund allocated for the expense I overbudgeted in. So in Spendee, I do biweekly budgeting since we normally get paid every 2 weeks and therefore you have to budget it in the same frequency. So in Spendee, I set an amount for each 2 budgets I have (WANTS and BILLS). The name of the budgets here are immaterial. So say in 1 budget, I set a 500 for 2 weeks. Spendee calculates it as "You can spend 35.71/day". I do like the fact that Spendee is”
“I'm looking for something to manage all I have now. But also allow me to plug in how much I make now, how much I will make in the future, large amounts of cash coming in 2 years from now, etc. And then show me what I should have by retirement age and how long I can sustain myself based on my inputted budget, etc. Basically something that does it all for no more than $250-$300/yr. Must work in a browser. Thanks all. submitted by /u/ghart999 [link] [comments]”
“Hey everyone, I’m looking for a good expense tracking app and wanted recommendations from people who actually use one regularly. Main things I care about: - Easy to use / clean UI - Quick expense entry (don’t want something too complicated) - Good categorization / spending insights - Preferably available on Android Paid or free, both are fine if it’s worth it. Would love to know: - Which app do you personally use? - What do you like about it? - Any downsides? Even if you’ve only used one app and”
“Good afternoon, I am currently in the market to find a new budgeting app. While I've been perusing apps I've come across features and things I like about each app but not what I need which is frustrating me. If anyone has a recommendation, I am looking for an application that allows me to: - Plan per paycheck (I hate monthly calendar tracking because I don't know what's available for myself right now as I am actively working on my debt and other responsibilities on each check - I”
“What tools or methods do you use to keep track of your monthly spending? I prefer organizing my expenses into categories so they align with my overall budget totals each month, which helps me stay on track and make adjustments when needed. I’ve been using Monarch Money for this purpose and have found it helpful, but I’m curious to hear what others are using and whether there are better or more effective options out there. submitted by /u/Cooper1Test [link] [comments]”
“I love to budget on paper. Every week I like to write down our income and then manually subtract the expenses. It’s fun for me, it’s a relaxing mindless task. Problem is, my budget book is on me at all times meaning my husband has no idea what the expenses are. He wants in on it- obviously, I don’t blame him, but he wants to use a shared app like YNAB. The problem is none of the apps feel right to me. I don’t like things to be automatic, I like to write things down in my pretty physical notebook”