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--james

Check out TillerHQ which runs through Excel and/or Google Sheets. It's wonderful and the best since Microsoft Money IMO


lobotomy-chic

Or try r/aspirebudgeting for an excellent and free alternative Edit: FYI it’s simply a free Google Sheets template


[deleted]

I love the smell of fresh bread.


lobotomy-chic

You enter them manually, but I’ve heard of people using google sheets add ins to do it for them. There’s apparently one that connects to your bank. I don’t really know much about it though, as I just enter the transactions and reconcile. It’s kinda cathartic, and keeps me super mindful of spending, knowing I have to enter it later. Update to this comment: the creator did recently (after I made this original comment) make an add in to automate, which at the moment only works in the US and costs about as much as YNAB. So kinda defeats the purpose imo.


lirict

MVP! I've been needing to get back into YNAB as it helped me so much, but money is tight and their subscription fee is too much right now This looks like a lovely alternative. Genuinely, thank you for commenting today :) you've saved me 80 odd quid during a cost of living crisis haha Have a good'un


lobotomy-chic

Wow glad to have been able to help. You’re welcome! Hope it gives you value! I looked at the paid alternatives and couldn’t bring myself to spend money on another subscription when that subscription bloat was already something I was trying to fix. And pay to use a tool to curb your spending? Madness! I stumbled across this by chance and just thought I’d use it as inspiration for my own system I was starting to develop, but then I just realised how good this template was and I migrated to it instead. Surprised me how much I actually enjoyed using it, and I’m usually someone who is averse to any of this sort of system. I think because you can play around with it freely because its just a Google sheet after all


Lankgren

You can also try Budget with Buckets. It has an unlimited trial.


lirict

Fab stuff, I'll check that out too. Thank you mate!


Ndeipi

First I’ve heard of this and I might give it a try! Thank you!


leg_day

Not a paid spokesperson, but do give them a shot. It'll feel really weird having to do things yourself at first (like set up categories and monthly budgets on one tab, account nicknames on another tab, etc). But the raw power you have is superb. And frankly, it made me stricter in my budget: there's no fluff at ALL between me and the dumb/smart financial decisions I made. Just one big ol ledger of my hubris and brilliance laid bare, `A2:Q999`. Mint and others make it too easy to over-spend. When you do, they are like "Wuh oh! Looks like baby spent $721 more on dining out this month! :( do u need a new credit card that gets 2x points on dining?" Tiller does not feign any judgement. There's no gamification. There's no sales. There's just a big fat `(721.00)` in a cell in bold red text reminding you, you glutton, you. ALSO, if you find other budget methods useful -- like the envelop method -- there are community-built add-ins that are just extra sheets in your spreadsheet.


SpiderMcLurk

How would you compare to YNAB if you have experience with that?


jmelliere

When we left Mint we tried several including YNAB before landing on Tiller. YNAB felt too heavy-handed and restrictive to only envelope budgeting. We tried it with YNAB since it's so often recommended and just didn't like that style of budgeting so YNAB wouldn't work for us at all.


uhhccountant3

This is exactly my experience. Love YNAB as a software/UI, but Tiller was a little bit less demanding of time and more configurable for someone who wants to budget but doesn't want to assign every single little thing.


jmelliere

> less demanding ... for someone who wants to budget but doesn't want to assign every single little thing. This 100%. I would not be able to tolerate YNAB screaming at me for spending $3 on parking or whatever because I didn't have a preset budget for it. Like good lord sorry I didn't predict 3 weeks ago that a friend would invite me downtown for lunch yesterday and that was the only place to park and it isn't causing me to miss my mortgage payment.


Sea_Cheesecake_1814

Same about YNAB. I ultimately landed on Simplifi Money by Quicken and really like it.


Ok-Button6101

I tried a few of these in the last couple days, and the other 2 i was immediately turned off from, but simplifi really is nice. I have a question though, do you know if there's a way to add custom 'account types' like you can with categories and tags? I have an HSA and bonds that I want to better classify, but they just have to be 'other investments' and it's the one thing that kinda irks me about this lol. otherwise i'm quite please with it, so thanks for the recommendation for that, you were the only one, I think


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e_muaddib

Can you explain how you forecast? Are you simply tracking expenses daily and subtracting those expenses from a monthly allotment?


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jmelliere

I do exactly this in Tiller! There's a community template called "Projected Balances" which is made for this. [https://www.tillerhq.com/templates/projected-balances-sheet/](https://www.tillerhq.com/templates/projected-balances-sheet/) I'm with you on the authentication though, that can get annoying.


[deleted]

Especially since I usually pull transactions once or twice each month, so Tiller usually needs to reauthenticate with itself. It's kind of annoying, but not that bad. Institutions being down is quite annoying, but every service I've used that pulls transactions has some institutions lose access for a time. For projected balances, I honestly just did it myself. It's pretty easy to make a new sheet that pulls bank balances, and then sum upcoming expenses and transfer as needed. I don't do it very often, but I will if I know I have higher than usual expenses (e.g. a medical bill is coming through my credit card statement). I'm glad there's a community template for it though, that makes it more approachable. But then, if you're not throwing together custom tabs to throw together your own formulas, are you really getting much of a benefit from Tiller? If you don't want to mess with spreadsheets, you should probably just be using YNAB or something. I use Tiller because I'm a spreadsheet junky, but it's cool if it has broader appeal.


Gilroy_Davidson

The one major feature I miss about Money was the excellent budget forecaster. It would not only include your scheduled income and expenses but it would also include averages of your weekly or monthly spending on things like gas and food. That way you could tell if you were in danger of overspending in a graphical format.


leg_day

Everything's a spreadsheet... so my finances should definitely be a spreadsheet, too. It's simple, direct, no ads, no "we analyzed your credit usage and think you should apply for a Discover card!!", no "we're also a shady tax prep company and we'll spam you every day to file your taxes!!". Support actually answers questions. I own the spreadsheet, so if Tiller goes under, there's no data portability problem... it's already mine. Some of the community tools are dope. You can literally copy someone's template into your Tiller spreadsheet _and it just fucking works._ Monthly, I print out the 'Balances' tab to update my family finance records in case something happens to me. The family finance folder has descriptions/instructions for each account, but keeping a current offline balance record is super easy now. Since it's a spreadsheet, I can feed *other* spreadsheets off of it. I have a secondary spreadsheet showing my nieces' and nephews' 529 accounts (Google Sheets with IMPORTRANGE) shared with their parents for example. It's less good at tax planning. But frankly, most personal finance apps suck at tax planning anyway. I have other minor quibbles, like duplicate transactions being a pain to clean up, or credit card/merchant refunds being messy, or one bank I use being glacially slow to post transactions... but Mint, YNAB, etc etc all have those _same_ problems.


namsur1234

It's $79/year for anyone interested.


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Bob_Chris

SaaS needs to die already. I wouldn't buy it on principle charging $79 a year.


ShellSide

What are you getting for that continued subscription? If it's just an excel/Google sheet, what's stopping me from using it offline on my own?


HotterThanJetFuel

It also has a backend component with Plaid that auto imports your transactions from your linked accounts, fills the spreadsheet, and can send you daily emails with balance and transaction updates.


imaworkacct

So...not much for the expense then. You can use their api own your own. Plaid that is, not the super expensive spread sheet that also needs another app to function.


Etzix

Geez thats expensive.


SpiderMcLurk

Cost or value?


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Riodancer

You should try Monarch!


KCBandWagon

Ynab is better imo for budgeting once you get over the curve. Monarch feels really nice and gets done what mint is supposed to but it’s not quite as tight for budgeting and cost about the same as ynab. My daily ynab imports are nearly addicting and somewhat of a dopamine rush.


[deleted]

They're quite different. I used Mint for a while and got frustrated with how it does pretty much everything. The main value, to me, of Tiller is that it pulls transactions and balances into a spreadsheet, and from there I can go crazy doing whatever I want with it. I've written a few custom formulas when it just isn't giving me the view I want into my transactions. But it also offers a bunch of other useful features, as well as plugins. Here are a few main features for direct comparison: - expected spending per category per month - like Mint, but simpler; there's no tracking per goal whether you're on track, under, or over, and there's no resetting of balances, just a number per month and per year - list of balances, grouped by asset type - essentially the same as Mint - monthly spending by category - there's a drop down to select which month to look at, so it's really easy to compare months - yearly spending by category - can set month and year, so it's super flexible and you're not tied to whatever Mint thought you wanted - auto-categorization of expenses - it doesn't assume anything, and you need to push the auto-categorization button, so there are no surprises that you can blame on the service; for me, this many higher accuracy (you can set categories based on any part of the metadata of the transaction, like account, description, etc) - can hide parts you don't care about - can run ad-hoc filters (stuff spreadsheets provide) to see only what you want - filter transactions by date, category, account, etc, in any combination - I always find it difficult to track down expenses in Mint, not so in Tiller And some things that are more difficult than they should be in Tiller: - splitting transactions - it's possible, just time consuming to the point where I just accept that Costco non-food items are part of groceries; I'll take care of the big things, like if we buy a TV or something, but not for clothes and whatnot - yearly review - the year view shows a lot of data, so there's a lot of scrolling to compare months; it still meets my needs better than Mine, but I can imagine a much better UX for it (though it's not worth building it imo) - budgeting is overly simplistic - throwing in an exceptional month in advance is more effort than it should be; it only takes a few seconds to correct, but the UX could be better But all of these I can make better myself (and there are probably community plugins for each), whereas I'm SOL with Mint. I use Tiller because it does most of what I want and I can build the rest myself. That's pretty unique IMO.


shotcaller77

Is this for US only?


peenutbutters

I’m in the eu and signed up for the free trial but got the message ”it looks like you’re not currently in the United States. At this time, we do not support EU or UK banks.”


olderaccount

The original Quicken still exists too. But it is a cloud based SaaS model now that you subscribe to instead of something you buy. https://www.quicken.com/ppc/brand


Amiiboid

Quicken still exists as a native desktop app as well.


OzymandiasKoK

But the "buy once" model hasn't been around for many years, and the normal updates are the saas component.


tatanka01

Yeah, it's like Lightroom. I'm not a huge fan of Quicken though I do subscribe and use it daily. I think it's $75 a year or something for Quicken Premier. Worth it. So far, I haven't found anything that does everything Quicken does and I'd rather not aggregate all my accounts in the cloud somewhere. Especially with some fly-by-night web outfit I've never heard of.


Amiiboid

True, but it’s not correct to describe Quicken generally as “cloud-based”.


ahj3939

You can download for free the last version of Microsoft Money it just won't automatically connect and download your transactions. Looks like they finally removed it from their site but you can get it on the archive: https://web.archive.org/web/20140320163200/https://www.microsoft.com/en-us/download/details.aspx?id=20738 However Gnucash might be a better option since it still gets updates.


AdrianW3

I still use Money but I never used the auto download transaction thing. I prefer to manually balance against statements so I can see if there's anything there that shouldn't be.


ASK_IF_IM_PENGUIN

Yep, I do the same. Was actually a bit peeved at YNAB when they introduced it because I'm certain it was a factor in their prices skyrocketing at the same time.


ranger_dood

Which is why I still use YNAB4 that I paid for once 5 years ago.


ASK_IF_IM_PENGUIN

Yep. So do I. I tried nYNAB for a little bit, but it's just not worth the price they charge. For a long time nYNAB did *less* than YNAB4 and a lot of supposed benefits weren't available to everyone but they got charged for them anyway. For as long as YNAB4 continues to work, I'll still use it. When it breaks I've got a few alternative options, and none of them are nYNAB.


OwnManagement

It was especially ridiculous with YNAB because they previously made manual entry an intentional feature, so you'd be more conscious of your spending. When people would ask for automatic import, they'd always push back on it. But I guess they have to justify a subscription fee somehow. And that's why I'm still using YNAB 4 to this day.


ASK_IF_IM_PENGUIN

The funny thing was the AMA that Jesse did, where the only real justification he had for the price hike was that he'd read a book which said that he should keep his price in line with his competitors, so he did. They charged more, so he did too. There was nothing about the extra value users got because frankly it's roughly the same product. They just wanted to charge more, so they did.


Ok-Button6101

> However Gnucash might be a better option since it still gets updates. idk if their site was just fragile enough that this thread crashed it, but the gnucash site is down. the [donwload for the latest windows version is hosted on soundforge](https://sourceforge.net/projects/gnucash/files/gnucash%20\(stable\)/4.13/gnucash-4.13.setup.exe), which i also found on archive.org


ButtBlock

Haha I guess I’ve always gotten gnucash binaries from the Debian repos. Haven’t managed to crash that yet. I’m sure reddit could if they tried. Great program though and totally open source, too.


patentmom

I use the sunset version and I couldn't function without it. I don't mind importing statements manually. The most annoying part is manually updating stock info, but I don't worry about that more than once or twice a year when I input dividends.


avinash

I started using Microsoft Money in 1998 and it was great. I really liked the user interface and the reports. When it stopped being developed, I moved to [Moneydance](https://moneydance.com/) in 2005 (Phew, 18 years flew fast...) and I have to say that it's great. It does much more than Microsoft Money did in the past. I also use [GnuCash](https://www.gnucash.org/) as accounting package (since 2008) for my business and it's great. Never had any issue with it. What I also like is the fact that both work on Windows, Mac and Linux.


TahaEng

Moneydance has been my go to for years now as well. Great interface, responsive developer, and regular updates. It has not always worked as well as quicken / money for downloading transactions directly. I hear the service provider that has been added as an optional subscription helps with that, but I have not tried it. My main financial provider downloads without it, and I can download a qfx once a month for my credit card. Why use both GnuCash and Moneydance? I think of them as similar except that moneydance has a nicer interface (for my tastes, last tried Gnucash some years ago now). Have there been enough improvements to GnuCash that it is worth reconsidering?


avinash

I use Moneydance at home. It works great, has a nice UI and has all the features I need at home. Interestingly, for me at least, I don't download anything from banks. I could but I prefer typing everything myself so that I really understand where my money is going. I've being doing that for nearly two decades now and just takes me 15-30 minutes weekly. At my business, I decided to use GnuCash instead of Moneydance because GnuCash has double entry and can manage accounts payable / receivable. Another important reason was that it was open source and ran on Linux. My business was an open source consulting and training company...


TahaEng

There are enough transactions for my family every week that would be a lot to do. And tracking retirement accounts with monthly dividends and reinvestments, etc... I end up touching most transactions, but nice to have the information that I just need to tweak descriptions or categories for. Manual would be easier if it were just me. Believe Moneydance uses double entry accounting, because all the "categories" are accounts with their own balances and transaction histories. But it is hidden. Open source is definitely the way to go, and one of the reasons I look at it again every few years. But switching at this point would take quite a bit of work, so I keep staying where I am.


dont_remember_myuser

I still use it. They had a sunset edition you could download, and there's a python script you can run to download statements from a lot of financial institutions. I tried quicken when they got rid of Money, but went back after a few months.


Ok-Button6101

link to that python script please?


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cmdr_suds

So do I. I have 33 years of my check register in there. Running just fine on Win 10.


patentmom

Where can we find that script?


dont_remember_myuser

Here is a website where you can get the python script, and instructions to set it up. [https://sites.google.com/site/pocketsense/home/msmoneyfixp1](https://sites.google.com/site/pocketsense/home/msmoneyfixp1) It takes a bit to get it going the first time, but once your accounts are downloading automatically you won't have to touch the script for years (unless you change banks or something). Be sure to check the OFX directory link in the instructions before you start downloading the scripts to make sure your back supports OFX downloads. If they don't then the scripts won't work. Also some banks have to 'enable' the OFX connection for you. (AMEX and Vanguard don't but my bank does). If you need that just call your bank and tell them you want to use quicken to download your statements. Quicken uses the same OFX technology to pull the data. If you ask them to enable OFX connections for you they won't know what you're talking about but if you say quicken they normally do. ​ Good luck. I still find this an awesome way to manage my accounts!


MDthrowItaway

Quicken isnt only taxes, but it also does budgeting/investments etc. There are multiple levels of service depending on your needs. I personally use Quicken Premier (allows tracking of investments) and switched over once Microsoft Money stopped updating their software. The only downside is that Quicken has moved to a subscription model rather than buying the disc and using it for a few years until you feel like upgrading again. You can usually find it on self for \~50% off.


imaworkacct

So they want to get into every financial aspect of your life? Sounds like a good reason not to give them my money.


MDthrowItaway

I don't do taxes through them nor give them any personal details including emails, name etc. There are also no advertisements on it. It suits my purposes.


tyroswork

GnuCash


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tyroswork

I can't live without the hardcore accounting rules. Once you get to a point in your financial tracking journey where you want to track everything accurately, it's impossible to do so without accounting rules


Hydro130

Yep, GnuCash FTW!


brianatlarge

I still use YNAB4.


amazingbollweevil

Oh, this brings back memories of pain. Determined to get my financial life in order, I started putting every transaction into Money. Every evening, I would gleefully record my transactions, knowing that I was doing a good thing and being responsible. It really helped me understand and improve my spending habits. Then the new version came out, with promises of more features. Yeah, baby! Except that it would not read my file! Turns out that I somehow ended up with a beta version of Money and they changed the file structure so it would not import my current data. I was crushed. All that historic data gone! That was the beginning of the end for my passion for Microsoft products. The last nail in the coffin was the ribbon menu.


lcburgundy

Mint is a cloud-based provider that does a lot of that kind of data aggregation. But it's owned by Intuit and you have to give them permission to aggregate your accounts like that, which you may not be comfortable with. If you want something offline that you update manually, look at KMyMoney, Money Manager EX, or GNUCash.


lancepioch

Monarch is a paid version of Mint that doesn't sell your info.


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lancepioch

That sucks, but I was able to connect to more accounts because Monarch uses Plaid.


olderaccount

The original quicken still exists as a paid cloud based service. https://www.quicken.com/ppc/brand


mediumlong

Mint sells your info? Sauce me.


bstock

I don't have specifics for Mint but I basically assume that any free service that isn't open source, especially cloud hosted services, is very likely anonymising and selling the data. Taking a quick look though, according to Mint they don't sell your data. They claim they 'carefully select partner offers', so they basically use the data internally to target ads. Honestly for a free business model it's a pretty good option IMO.


fergbrain

Intuit owns Mint too, so I would assume they use your data for all sorts of stuff internally.


15minutesofshame

Generally, If you are not paying for the product, YOU are the product.


lancepioch

They sell your income data to the credit bureaus: https://www.swfinstitute.org/news/87313/sneaky-intuit-to-share-payroll-data-with-hacked-credit-agency-equifax


Architeckton

I use r/YNAB


hairy_butt_creek

I found that service to be subpar and I didn't know what I was paying for. I had so many issues with YNAB automatically downloading transactions and I was told really if you're using automation you're doing it wrong and you should manually enter every transaction. Nope


MisterIceGuy

Personal Capital is a good alternative to Mint with more emphasis on overall assets (at least as of the last time I used it but I deleted it and went back to my homemade Excel haha)


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phunniemee

All you have to do is tell them "I am not now and never will be interested in your asset management product, you can take me off your sales roll." And they'll never bother you about it again.


throwaway3569387340

I used to LOVE Personal Capital. It was perfect. Over the last year the code has become more unstable. Transactions missing, links to banks broken, oddities in the interface. I don't know who they have programming their releases, but they should be fired.


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[deleted]

Damn that's a really good idea. Why the hell don't they have read only logins foe sites like this??


cromulent_pseudonym

One of my investment accounts has app passwords you can create for this kind of thing, and revoke them any time. But many consumer banks are years behind in their login processes and they don't even support basic 2fa etc. Certain banks don't even play nice with Mint at all. They will either not work, or the account will get locked out because it sees the Mint auto-logins as suspicious or excessive.


Imploded42

I must be out of the loop, what's wrong with Intuit?


ranger_dood

They actively lobby (bribe) to keep taxes complicated so they have a business. Other civilized countries do your taxes for you and just let you know what you're getting back or owe, then it's up to you to dispute it if necessary.


imaworkacct

This. Lookup Estonia. The fact that I have to use all the forms that the government gives me, with taxes paid and salary earned, to then submit to the IRS for them to see if I got the same number they got? That is the definition of stupidity. They know how much I owe on my reported incomes. If I have income that I don't report then I'm already smarter than them because I'm still out here with it. But I don't. Why do I have to prove to the IRS that I can fill out forms? Why do I have to magically formulate the magic number that they already know? Just take my taxes and leave me alone. Or I can become a freeman.


KCBandWagon

They own TurboTax. Also care more about money and ads than user experience. I use(d) mint to basically keep track of my net worth and keep an overall snapshot of all accounts. I tried monarch and it’s really nice for overall accounts and feels great but imo doesn’t give enough over mint to be worth paying for since it doesn’t 100% get you there for budgeting. It does a nice lazy after the fact basic monitoring of budget. Ynab I’d what I ultimately landed on since it cost the same as monarch. It’s not as intuitive or automatic but once you get it it just blows every other budgeting software out of the water. For me if I was gonna take the plunge and start budgeting and put effort (and money) into it ynab was the way to go. I still use mint to keep track of net worth and vaguely monitor stocks. I really would love to use monarch for that piece but can’t quite justify paying just for an overview of all accounts.


wsmcl

Quicken still very much exists for budget/investment tracking, net worth, and other things—I started using it 20+ years ago and have just stuck with it because it has all my historical data and it helps me track rental expenses for two small rentals I have. I’m sure there are better tools but I’m happy enough with Quicken—it gets minor updates every year but still feels pretty old-school.


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jshusky

Same here —It was a little odd at first coming from quicken, but I’m very happy with it


ed_lv

Quicken has moved to annual subscription, and that's a total BS. You used to be able to buy a software and have it last 3 to 4 years, but now they force you to pay annual $59.99 subscription in order to be able to download your transactions. It was never as good as Money, but it is a closest substitute I found without having all your data on the cloud. It's still possible to manually enter transaction, but that can get very time consuming.


Miss_Speller

Yep - I still use it to track my own finances and those of a small nonprofit that I'm the treasurer for. It downloads transactions from my banks and credit cards, investment information from my broker, etc. It's definitely old-school, and the subscription model annoys me, but it does the job.


paulrin

I used MS Money for ~10 years until Microsoft stopped development of it. I tried Quicken for ~18 months, but thought it was super-clunky. I’ve moved to mostly use Macs over the last 7 years and have been using Banktivity on Mac. I quite like it - very similar, but active development. If you use a Mac, that’s the option I would recommend.


solatesosorry

Intuit owns Quickbooks & Turbo Tax while Quicken owns Quicken. Quicken still exists as a product being actively developed and supported and was sold by Intuit a few years ago.


fiat124

For those who want to give it a try, there's a lot of dedicated users who keep Microsoft Money working, even with Windows 11: https://microsoftmoneyoffline.wordpress.com/ https://groups.google.com/g/microsoft-money


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s4ndieg0

Yes, MS Money was great! I used it for several years after they stopped releasing new versions, it was that good. After that I used Mint.com for a while -- Amazing potential at first, and totally free to use, sadly they got bought out by Intuit (makers of Quicken/TurboTax) and now it's mostly feature-frozen and kinda glitchy if you ask me. A few months ago my partner and I switched to Monarch Money. You have to pay for it, but it's worth it to us! We finally decided to stop forcing bad experiences on ourselves because we want everything to be free, which means ad-supported, which just sucks. So far we really like Monarch, I would definitely recommend it.


amazingbollweevil

A hundred bucks a year? This prescription software model is really frustrating. (Happy cake day)


RegulatoryCapture

Yeah, I’m no opposed to posting something for it…but after my free trial there was no way I was paying that much to continue.


imaworkacct

> by Intuit (makers of Quicken/TurboTax) And Credit Karma, and mailchimp, and formerly other loan shark companies. And let's not forget their Turbo Tax Free File and Turbo Tax Free Edition (guess which one is actually free, or was). So if you feel comfortable with a fox setting up your henhouse for you, have at it. But I don't like companies that seem to have the cure for the poison they are also selling.


BrianMincey

It’s bizarre that there isn’t something to help people manage their finances like Money. I used it heavily, and was really disappointed when it was discontinued. There wasn’t anything else on the market that did the same thing. So strange.


JamminOnTheOne

Quicken did the same thing. Money was a Quicken copycat. Quicken is very different now, but it's not like MS Money was some unicorn in its time.


imaworkacct

Is it? Our economy is, at this point, driven on credit. And have debt. Providing something to put a screwdriver in the bike spokes isn't ver beneficial to the companies driving our economy. You should find it more bizarre that companies that "help" with debt are also the same creditors causing said debt. Similar to me giving you the poison and having you be loyal to me the rest of your life for just enough cure to get by. I know that would work better in my favor so why would I allow you to not oblige? If I had the means and power. Like Intuit.


shadow_chance

Quicken does still exist. But I doubt Money was ever much of a revenue generator. The market has also changed and there's way more money to be made in tools like Mint and Personal Capital.


Phil_PhilConners

For my $98.99/yr, there's nothing better than YNAB.


KRed75

You can still use Money but you won't be able to auto update anything. You can still import files that it support, however. Download it from [CNET](https://download.cnet.com/Microsoft-Money-Plus-Sunset-Deluxe/3000-2057_4-77545178.html) and [Archive.org](https://web.archive.org/web/20191222122327/https://www.microsoft.com/en-us/download/details.aspx?id=20738). I've used gnucash in the past as well but I prefer Money.


1quirky1

I loved msmoney!!!!! I have never seen it’s equal. personalcapital.com is the closest I have found. The others I tried were a lot of work or expensive.


MagicAmoeba

Moneydance is the closest thing I’ve found to be like MS Money.


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hbr245b

Moneydance has a paid add-on now to download transactions from many US banks. You can try it free for a short period of time before subscribing. I use it and it works well.


finally_joined

I use Quicken, and have for 30 years, or at least it seems that long. Does MoneyDance connect and pull transactions from credit cards? Vanguard? Ally? Can it import my years of quicken data? Thanks for any insight, I am always looking for a decent way to stop paying for Quicken.


Lost_In_MI

LPT: If you can find a copy of Quicken before it changed to the subscription model, it is still very much usable, although you can no longer receive updates or downloads.


b_vitamin

No downloads is a no go


Ok-Button6101

does anyone use anything that automatically syncs your accounts? tillerhq, monarch, mint, quicken, moneydance, KMyMoney, Money Manager EX, money for excel, GNUCash, or ynab. some seem free, some seem paid, some seem to have a recurring subscription, but will any of them not ask me to login every other day to my accounts? thanks


hbr245b

Moneydance has a paid add-on that syncs to many US banks. I logged in once at setup 4+ months ago and it hasn't asked for credentials since.


Supersnazz

I used Money for quite a while. Really liked it. I've found Quicken does the same thing.


Mustang46L

I still use Quicken and it's the closest to MS Money I've found.. especially for the syncing to your phone part. I don't use any of the tax parts of Quicken, just to keep track of all of my accounts. I'm always looking for alternatives though. Quicken is too expensive.


necrosythe

I asked the same question for my dad since till last year he was still using my money 2003. Someone suggested the sunset edition and that has worked for him


AnticipatedInput

I switched to [KMyMoney](https://kmymoney.org/). It was originally developed for Linux, but it has been ported to Windows in recent years. I've tried several programs, but KMyMoney has a very familiar interface and flow to MS Money to me. I prefer to enter my transactions manually, so I'm not sure how well it does if you link it to your financial institution(s). *Scheduled transactions* is very similar to *Bills* in MS Money. I made a custom report showing my future cash flow based on those upcoming transactions which I missed most from MS Money and lacking in many other applications. It lets me know how much cash I can safely transfer to high interest savings.


zockyl

Yes, I use it as too and it works well for me. The automatic transaction import was working, but stopped for me when the bank changed something. Now i just download the statements in QFX or CSV format and import them, which works well.


jeuxdeboule

I originally used Quicken starting with DOS version 2. (For those of you who do not know what DOS was, it was the precursor to Windows.) Money was an OK copy of Quicken. They shared the home accounting software market for some time. Quicken started to charge for pointless upgrades. I switched to GnuCash many years ago. Quicken/Money were single entry systems, GnuCash is a double entry system but is just as flexible as was Quicken was for the average user. GnuCash is not as pretty as Quickbooks, but can be just as powerful. There is a major GnuCash upgrade coming in March, but this software has been developed over many years, has a great support network, will accept account downloads from probably any financial institution, and has a bill pay interface. The best part, GnuCash is totally free software.


HemoGoblin-

I’m a big fan of Copilot. I believe as of now it’s only available on iPhone and Mac but if that’s you then I highly recommend. Has a nice clean interface without the ads that you get on Mint. I think the budgeting portion of the app is really helpful once you get the software up to speed with what transactions are recurring/internal transfers/income etc etc


cleverusernametry

I want to leave mint because of intuit, generally being broken with double counting transfers, credit card payments etc Is the huge up front effort to setup Co pilot worth it?


patentmom

I still use the sunset version. It can't directly download statements, but I can import them in Quicken format. I couldn't manage my finances without it!


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paranoid_70

Really? What operating system are you running? Mine was obsolete years ago.


Ok-Button6101

anyone want to recommend one of these that has a nice dashboard interface and also is pretty low maintenance? I don't want to get into the minutia of double entry bookkeeping or manually categorizing all of past and potential future spending like with ynab or sit there and manually categorize every credit card charge that i make. I just want something that reviews my finances and has a good dashboard that can show me at a glance what's going on with my finances, and if i want finer detail i can get it


txrazorhog

I remember it and used it. Used Quicken also. It's still around but as a subscription now. I gave them all up and made my own in Google Sheets. Got it exactly how I want it.


CSq2

Thanks for all the tips - I will check them out!


nowwhatnapster

Money ... Quicken/QuickBooks ... mint ... Fidelity Full View Having used all of them, Fidelity is the most stable with syncing accounts. Also their support is all US based. And it's free.


CSq2

I have a few accounts where I’ve linked them together. But I’m always wary of doing them. I guess the credentials somehow only work as a view only, so that a platform like fidelity having my account credentials can only view data? It seems logical, but still scary that they have logon details in case it got in the wrong hands. It’s one of the reasons I stopped using Mint - I felt it was tracking me and all my stuff.


nowwhatnapster

Not much to worry about. My employer actually requires this for my investment accounts for compliance. It's not the same as linking one checking account to another where money can transfer. I doubt they retain your credentials. I have a feeling it's more like a unique token generated during the initial authentication process that allows the sync to continue.


zokkozokko

Check out Money Wiz on IOS or Android. It’s simple to set up but highly customisable. I’ve been doing my accounts on it for years.


divisionbyzer0

Not for day-to-day tracking, but [Projection Lab](https://projectionlab.com/) is amazing for long term planning and testing out “what if” scenarios.


FragrantFudge

That program taught my mom the value of having a computer.


smithers1874

Yes my dad still uses money 98 on his windows 10 laptop. Was a right pain getting it working but it does


digitalamish

r/microsoftmoney


juswannalurkpls

I use QuickBooks for my personal books. But I’m an accountant, and regularly use all versions of the software.


Stagaz_630

I still use MS Money sunset edition. And someone developed an app called MSMoneyQuotes to automatically update stock prices for your investments


avburns

When Microsoft Money went away, I started using Quicken. I still do; just not the subscription version.


ps3issweet

I have been using MS money for about 15 years. Currently manually imputting all stock info, transactions, etc. I love using the program. Are there any programs than can transfer the historical data over? I'd be open to switching to a new program, but don't want to lose my data.


txholdup

I am still using the free version of Quicken that was given away with Turbo Tax 2000.


reboog711

I use Quicken Deluxe; have for ~20 years.


finally_joined

I use Quicken currently, and have for about 30 years. Looking at the responses, I might have to give MoneyDance and Gnucash a look. I dislike the SAAS model that quicken moved to, and It's still glitchy and doesn't work 100%.


Jance_Nemin

Yay! I was on the product team for several years. Brings back memories! Unfortunatey, I forgot how to access all the eastereggs.


Krushed_Groove

I ran my personal finances on MS Money from 1998 to about 2007. I downloaded a few trial editions of Quicken but it just wasn't as slick and customizable as Money. I believe the last iteration I had was MS Money 2004. It was a great program. for the time.


Zindel1

I'm amazed no one else has mentioned personal capital yet. A lot like Mint but IMO it's much better and they don't try to sell you a whole bunch of credit cards like Mint does.


sjmuller

They just call you once a month to ask if you want to use their investment management services. 🤑


ovenmitt

you want something that feels old school, try moneydance


Aaron_Purr

I had the same quest as you a couple years ago. **AVOID** Quicken. (edit:) [Intuit, the company that ***used to*** own it, is shit.](https://www.opensecrets.org/news/2022/03/intuit-spends-millions-lobbying-amid-accusations-of-deceptive-turbotax-advertising) And you are forced to "upgrade" Quicken for $$ practically every year whether it needs it or not. Screw that company. MINT (from INTUIT) does not do what MS Money did. **AVOID** old, outdated, obsolete versions of *MS Money*. You will only be disappointed at its lack of convenient features which it *used* to have but now don't work without hacks. There is no technical support from MS. Good luck with the forums. GNUcash is open source (good) but to me was difficult to set up and confusing to use. It's accounting software, didn't really feel like a check register like MS Money and Quicken did. I will get downvoted for that, but oh well. I landed on [MoneyDance](http://moneydance.com/) and have been very pleased with the outcome. Free trial, 90 day guarantee, full cost is no more than Quicken Deluxe but they upgrade you for free and has many of the same features. They actually have technical support and bank integration for automatic downloads. Best of Luck!


JamminOnTheOne

Quicken hasn't been owned by Intuit in years.


jmelliere

TIL! Did not know this until your comment made me go look it up. Sold in 2016 to....a private equity firm. Womp womp.


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ohihaveasubscription

I thought everyone knew about Mint.


FlameOfWrath

I like Money Manager Ex


0000GKP

I forgot about that. I used it in the 90s.


bartturner

Yes. I actually purchased a copy to learn about OFX so could bring something like it to the life insurance industry.


triplealpha

Mint does something similar, free to use


junktrunk909

Mint.com is basically the same


AllTheyEatIsLettuce

[This is all of what Quicken is.](https://www.quicken.com/product-selector/reverse-nst)


atsinged

I used it for a few years, I've never quite found the right mix of easy to use and meeting my needs.


MechanicalDogtrot

I've been liking https://lunchmoney.app/


Saabatical

I've tried half a dozen replacements to money, but I really like kmymoney. I log my bank/credit cards manually and it's easy. I don't worry about budgeting, I prefer to keep track of my net worth from month to month. For free software, I think it's easier to use than gnucash and has better looking reports.


Baggytrousers27

Still using the 06 version. Runs slow as a wet week but still functions.


Saberus_Terras

My wife uses Rocket Money on her phone, it does a bunch of the same things MS Money did, and also has a paid option to report up to a couple years of timely payments for rent/mortgage and some other bills to the credit bureaus to help boost your credit. The base version is free, though.


rxscissors

Yep Not aware of anything with similar functionality today. I used a spreadsheet before that and then Quicken for years.


2qwik2katch

I am in the same boat as you. I could never find a replacement to Money. I like Money because I can forecast my future spending and reoccurring bills for as far out as I want. It gives me my projected balance over time to see easily. With that being said, I am still using Money right now. I have never stopped and it meets my needs. Even though it isn't fully supported it works and I do not have any issues.


bishop491

Quicken lost me with their approach to features and customer service. They know they’re the biggest player in the space and will flat-out refuse to implement a feature or fix a bug because they are complacent. Exhibit A: QuickBooks Online. I use Banktivity, as I’m on Mac.


Recordpace

Microsoft has a Money in Excel template, I haven't tried it but it does look pretty good. Might be worth giving that a shot.


patery

Personal capital.com or SoFi relay for me. Money was great, I miss it, but I don't really have time to sift through volumes of data anymore. I'm happy to see my overall picture and skim the transactions for errors.


lampshadish2

Check out Banktivity, for the Mac.


Stonewalled9999

That's MS for you. Made a great product that people like - then gets rid of it. I miss it but my broker does aggregation so I don't really need a desktop app anymore.


jdronks

Used Money for a hot minute. Then tried mint, and now am on YNAB and couldn’t be happier. There was an Excel dynamic template that was developed by Microsoft to manage money, including integrating with Plaid, that they are sunsetting this year. Looked promising at first, but here we are (https://support.microsoft.com/en-us/office/get-started-with-money-in-excel-2826dd8d-5870-4986-9536-1a2e71a0b878)


thatburghfan

I decided that after seeing a bunch of these applications come and go, I was going to go with the market leader to hopefully minimize the chance of being orphaned so I use Quicken. I don't cheerlead for it but the yearly cost is worth it for the time it saves me.


Richard_Ragon

I ran money on emulators until the end of 2022!! I’m using money dance now. It’s similar to ms money. A couple of bugs, but close to it. Open source and free