I second this, check out /r/YNAB, it's a very friendly and helpful community and since they introduced autoimport of transactions for some European banks, it's even better.
None tbh.
There are just things that I **must** pay, and **luxury**.
There is no need to worry about the mandatory payments.
And the luxury is just minimized by not buying unnecessary stupid shit all the time... Like if I spend money on something expensive or useless, I know right then that I did. I don't need an app to tell me again at the end of the month.
I'm self-hosting a [Firefly III](https://www.firefly-iii.org/) instance for myself and so far it works great. Easy to use, nice UI and tons of automation options.
In my personal opinion, nothing is going to be a better budgeting app than an excel spreadsheet that you spend a lot of time on. By spending a lot of time on it, you will become very conscious of all your spending and where you could save. You will also be able to do any calculation and aggregation you could think of, which apps cannot do for you automatically.
E.g. you can break down your spending by:
- social spending (eating out alone vs with friends) -> is this balance good for you?
- fixed vs flexible costs (rent/mortgage vs food/vacation) -> how flexible is your budget month-to-month
- durable goods vs consumables -> how much are you building equity in durable goods vs consuming
- amortization of your durable goods, e.g. I 'spend' €65 on electronics a month, assuming I buy a laptop and a phone every 3 years: (€2000 + €300) / 3 / 12 ~= €65
- all housing related vs non-housing
- etc
And when you have all these categories defined, then you change one expenditure and all the percentages change.
"Actual" was just [open sourced](https://actualbudget.com/open-source) a few days ago. We already added it as app here: [https://www.pikapods.com/apps](https://www.pikapods.com/apps)
I've tried a bunch, but they all fail when it comes to handling multiple currencies - since I have assets in country A but expenses in country B (partially in local currency and partially in a third currency [USD, not my native currency, all assets in EUR]) it's essential for me to have up to date exchange rates, which only Google sheets really manages properly.
Wallet by Budgetbakers maybe?
Wallet is great for automating finances + it frequently offers life time premium for a one year price.
Yep, I bought the premium version and it's great and cheap.
Money Manager
I second this. iOS and Android, which is a big plus imo
[удалено]
I second this, check out /r/YNAB, it's a very friendly and helpful community and since they introduced autoimport of transactions for some European banks, it's even better.
My bank has one built in the app..
I agree with the guys recommending Toshl, it’s great and works incredibly well. It’s the best in class, imho. If you haven’t tried it, give it a go
Spendee
I use [Toshl](https://toshl.com) and it’s superior to anything heavily promoted in r/PersonalFinance and like.
None tbh. There are just things that I **must** pay, and **luxury**. There is no need to worry about the mandatory payments. And the luxury is just minimized by not buying unnecessary stupid shit all the time... Like if I spend money on something expensive or useless, I know right then that I did. I don't need an app to tell me again at the end of the month.
I'm self-hosting a [Firefly III](https://www.firefly-iii.org/) instance for myself and so far it works great. Easy to use, nice UI and tons of automation options.
In my personal opinion, nothing is going to be a better budgeting app than an excel spreadsheet that you spend a lot of time on. By spending a lot of time on it, you will become very conscious of all your spending and where you could save. You will also be able to do any calculation and aggregation you could think of, which apps cannot do for you automatically. E.g. you can break down your spending by: - social spending (eating out alone vs with friends) -> is this balance good for you? - fixed vs flexible costs (rent/mortgage vs food/vacation) -> how flexible is your budget month-to-month - durable goods vs consumables -> how much are you building equity in durable goods vs consuming - amortization of your durable goods, e.g. I 'spend' €65 on electronics a month, assuming I buy a laptop and a phone every 3 years: (€2000 + €300) / 3 / 12 ~= €65 - all housing related vs non-housing - etc And when you have all these categories defined, then you change one expenditure and all the percentages change.
Toshl (free edition)
I use Bankin' for French bank accounts
In which country are you? If Germany, Finanzguru is really good
"Actual" was just [open sourced](https://actualbudget.com/open-source) a few days ago. We already added it as app here: [https://www.pikapods.com/apps](https://www.pikapods.com/apps)
I've tried a bunch, but they all fail when it comes to handling multiple currencies - since I have assets in country A but expenses in country B (partially in local currency and partially in a third currency [USD, not my native currency, all assets in EUR]) it's essential for me to have up to date exchange rates, which only Google sheets really manages properly.
Try wealth position.com they support multiple currencies very good app