Which is your favorite? Let us know in the comments! Greg Johnson is the co-founder of Club Thrifty and an expert in personal finance, family travel, and credit card rewards. Greg travels the world for about 20 weeks each year and has visited over 40 countries.
He holds two bachelor's degrees, is a licensed travel insurance agent in Indiana, and is the co-author of the book Zero Down Your Debt. Learn more about Greg here. Learn about its pros and cons in our review. In this review, we explain how it all works! Read about that and more here. This review analyzes current rates and the best ways to use them. The Chase Ink Business Preferred credit card is an excellent option for business owners who want to earn rewards on their spending. Disclaimer: Comments, responses, and other user-generated content is not provided or commissioned by this site or our advertisers.
Responses have not been reviewed, approved or otherwise endorsed by this website or our advertisers. Club Thrifty has partnered with CardRatings for our coverage of credit card products. Club Thrifty and CardRatings may receive a commission from card issuers. Personal Capital and Mint are two of the best apps that anyone could have. From beginner to expert, they just work.
Thanks for sharing! Hello Greg Thank you for sharing! I have been using personal capital since It stoped working last year and Personal Capital says they have no update or when it will be fixed.
And this is with one of the top 3 banks in the US. When sending a support ticket to them- an email Is sent showing over 19 banks Not working and that there is no update. Could you help me decide which one of the apps you share are close or better than Personal Capital? Thank you for your time. With Mint you can change transaction dates when needed for budgeting alignment. For us who receive a 1st of the month paycheck, which usually posts early when the 1st falls on a weekend or holiday non-banking day , the inability to change the date completely messes up the ending month and next month budgets.
Happens about 3 times a year. This makes Personal Finance PC worthless for budgeting. The change transaction date feature has been requested for years and PC ignores it. Poor customer service in my opinion. No thanks to PC. Still, the tools are free and provide a great overall picture of your financial health. Not free, the price point is your information. Spending habits, your available funds, selling your information to marketing firms, targeting to convince you to do something you would normally not do.
So far from free. Really expensive. Way more than a couple of bucks to get a perpetual license. Hope you figure it out. Like several others, I just want to balance my accounts and insure that I am not getting unauthorized withdrawals. I used an old Quicken for years, but upgraded so it would run on a newer Mac. I have Quicken Mac and time is running out for using the downloads.
After March , I will still be able to use Quicken , but cleared transactions will have to be cleared manually. I have been told that I can download monthly statements from the institution and import them manually, but have not tried that.
I tried using Moneyspire and it was promising. But when I tried to automatically download transactions, I had issues and gave up. It looks to me like I am stuck with Quicken if I want to automatically download. I bill pay through the banks and credit cards, so I do not need that. It is only reconciliation that is important. I might tell them to go pound sand, still use the software and enter cleared transactions manually. Since I now get texts for each credit card transaction, real time confirmation is not as important.
We love personal capital for the grand view. We also have used Mvelopes for almost a decade and as a budgeting and cas management tool I have not found better. Very similar to the Every Dollar tool and Ramsey philosophy. Were you able to review this one?
Curious your thoughts on how not compares to tbe others. I think Mint took a big step back when they shut off their bill pay functionality. You can still see when your bills are due and the reminders are nice, but losing the extra step of automation kinda stinks. I like to see a projection of my available finances for the month, but so far Quicken seems to be the only one that can do that. Everything else is based on a daily snapshot of your spending.
Have you reviewed any that allow you to see past today in spending? Started with MS Money. Moved to some paid program that was similar. Found Money Manger EX. I can put in reoccurring transactions. And drop them into the checkbook as needed.
I have my paycheck set for less than I expect. And the bills for a little more than expected. When I get paid, or write the check, I put the correct amounts in. You cannot change transaction dates. I have a retirement pay military that posts on the 1st of every month.
But if the 1st falls on a weekend or holiday they post it the last banking day before that. With PC when that happens I have a double pay in one month and no pay in the next and cannot change that. Since this scenario happens about 3 times a year, PC is worthless for monthly budgeting. The tools are free, so there are going to be limits to what they can do.
Comcast goes down once a month and online data becomes inaccesible just when you need it. I also tried Mint several years ago and will give it another shot. First and foremost is the ability to have attachments on my transactions.
Second is the ability to have transaction reminders that can be auto-entered into the register. This allows me to look ahead to see where my expected spending and expected income is taking me This is the closest I come to using a budget feature — but I hate the word budget.
I do not use the transaction download feature for my checking account with Quicken because it ALWAYS caused me to have duplicate transactions when writing a paper check because of manually entering when written and then duplicated when cleared at the bank.
VERY inconvenient. At least PC will help you correct duplicates — but no attachments. Reading further, it looks like Moneydance would be the best alternative for you for Quicken.
It also allows you to use it standalone on your computer PC or Mac and also allows auto-entry of transaction reminders. I hate the Auto entry now because they made 2 layers out of it. I mostly like it for the tax prep categorization and the Offline presence of my data which is backed up to SD card. My greatest fear is the last update for QB will be the one that totally disables the software. I stopped allowing softwate updates in I heard quicken was going to a subscription platform.
Still works. I have Quicken Premier which I have never paid to update. I just want to keep track of it. Not sure what the date of our post is. You are not quite correct when you say Quicken data can be seamlessly imported into any other program. In order to move Quicken data over to any other program, the data has to be converted to a. My suggestion: double up on two programs: one Quicken and another alternative for three months, then abandon Quicken, keeping it for legacy purposes.
As a Macintosh user, Intuit has not been a friend. There are much better alternatives. Stewart, I agree that Intuit has always treated its Mac constituents as unwanted step-children. And D. Manual entries lead to annoying duplicates if you also download your transactions. But if you do choose to download, best not make any manual entries.
That should be a cinch. All of your data is encrypted. Great article. I want to manually reconcile, I want split transactions, subcategories, and the ability to run end of the year reports. Any suggestions? Too bad this hodgepodge of suggestions all over the internet for replacing Quicken for Mac are so confusing when it comes to just the simple functions you cite.
I wish someone would create a comparison chart. I want to start with a new app on Jan. And to whomever manages this internet page, please get off this fad of making your font almost the same invisible color as your background. Donna and Jonathan, same here! And yes, please give us a darker font! Repeating my question above, does anyone know which of these developers offer the most HUMAN assistance? Knowledgeable people who might even be willing to screen share…?
I used YNAB 4 for this, but they too have moved to an online platform. Upgrades to the next version typically come with a discount. I love your post. Me exactly. I do it all manually; but, have used QuickBooks; and now Quicken for so long I know how to split transactions. Mutual funds can be a challenge to update though. Look forward to seeing what you hear for an alternative; I will not pay yearly…. I am looking for apps like Foreceipt where you can photo receipts or screenshot email receipts and it ocr s major details and stores the photo.
Lately have had some problems with Foreceipt. When I first got it and it worked well it was outstanding. EveryDollar DOES link to online accounts and in my opinion is the best budgeting software out there since its updates. Please revisit this one…. I have used Quicken for years. I bought the newer version and it choked on one of my accounts on downloading.
I called for support. A support contact number was not readily available on line but my bank had a contact number for support and I got through. They understood the problem and said it was an easy fix. Goodbye Quicken. I am leaving them. I have tried Every Dollar. It does down load from all of my accounts and credit cards which is nice and works well It is an easy program to use but they do not offer downloading of reports.
I have used report generating for years to help with taxes at the end of the year. Security is always a concern, whether online or on your device, you'll have to make the right choice for you. I would have had to make 25, mouse movements and 50, mouse clicks to import my Quicken QIF file. I gave up after Are there only US citizens here? Is there no one that actually tried to import a European formatted data file csv or xml into the crappy gnucash application?
Our readers, authors, and moderators here are from many countries and locations around the world. But you might get a better response from the GNUCash mailing lists. I subscribe to them and they provide a wealth of information. GnuCash has apparently been broken for some time and errors out after trying to import a QIF file, with no real reason why. It just "Error importing QIF file.
I've found a list of other saying the same thing on multiple sites. I would not recommend it until that is fixed up!
Thanks for the suggestions. I am an opensource enthusiast. But I find a big problem with Open Source Sw. They are usually aesthetically unpleasing. How can we do that better? Hey guys! What a great post! I'm currently building a small and simple tool for visualizing certain investment scenarios in advance. What do you think?
Looking to get a better handle on your personal finances? These five Linux-friendly open source tools will help you achieve your financial goals. Image by :. Get the highlights in your inbox every week. Do you use open source personal finance software to help manage your money?
Choices Yes. More Linux resources. Topics Alternatives. About the author. Jason Baker - I use technology to make the world more open. Linux desktop enthusiast. Raspberry Pi tinkerer. Data analysis and visualization geek. Occasional coder. Web maker. Red Hatter since More about me. Recommended reading What makes Linux the sustainable OS.
Run containers on Linux without sudo in Podman. Send desktop notifications and reminders from Linux terminal. Create bookmarks for your PDF with pdftk. David Both on 07 Jan Permalink. Thanks for this great article. Luis Rojas on 07 Jan Permalink. Bruno Coudoin on 08 Jan Permalink. Junaid on 09 Jan Permalink. Jure Repinc on 10 Jan Permalink. Chris Hermansen on 12 Jan Permalink.
Thanks for the great article, Jason! I haven't tried the mobile app, thanks for that pointer. Thanks again! Jason Baker on 12 Jan Permalink.
I used Mint when it first came out more than a decade ago. Today, many are looking for Mint alternatives, including several of the apps listed here.
It includes a budget planner and credit score tracker. Of course, there are great Mint alternatives as well. My mom used it. When the money in the grocery envelope ran out, we stopped going to the grocery story until payday seriously. Today, the envelope budget is still a smart way to manage money for those living paycheck-to-paycheck.
If you want a digital version of the time-tested budgeting system, give GoodBudget a try. Goodudget is an app based on the envelope system. You can sync and share your budget, and set goals to save for big purchases. It also has tools that let you track and payoff your debt. Personal Capital is the best free Quicken replacement. It comes with nearly every feature Quicken offers, and money additional tools.
Sadly, no. Like so many other software packages and apps, Quicken is now only available as a subscription. As a result, you must pay for Quicken every year. If you want to migrate Quicken data to a new budgeting app, CountAbout is a solid option. It has features enabling users to migrate data from Quicken or Mint. Whatever tool you choose, the key is to pick one that works for you. One or more of the above Quicken alternatives, however, should suit the needs of most looking to better manage their money.
All Rights Reserved. Contact Privacy Policy Terms of Use. It easily handles budgeting, net worth, cash flow, retirement investments and taxable investments. It also comes with excellent tools, including a retirement calculator, investment fee analyzer and investment portfolio analyzer. Personal Capital can now even track Bitcoin, Ethereum, Litecoin and thousands of other tokens.
Tiller —If you are a diehard spreadsheet fanatic, Tiller is the answer. Built specifically for MacOS, Banktivity is a personal finance money manager that will import data from Quicken so you don't lose anything in the transition process.
It'll do everything you want in a personal finance app, including budgeting, track spending, schedule and pay bills, monitor your investments including real estate , and pull data from financial institutions. It also has some powerful reporting options that, if you're a report junkie, you will probably really enjoy building, tweaking, and rebuilding. All this is also possible across iOS devices too with seamless mobile app synchronization. MoneyDance is not as well known as some of the other alternatives I've listed but I wanted to mention them because they're one of the few money apps that don't rely on the cloud.
If you are concerned about your data being stored online, this solution is an alternative that keeps your data local to your computer. You can still link your accounts online, so they pull your transactions automatically, but they only store them on your computer. You can enter transactions manually if you didn't want to link your accounts. MoneyDance looks and feels like a checkbook, with the check register for transactions, but has charts and tables for reporting.
It does budgeting but can also track your investments as well, albeit not as feature-rich as others. The free version has all the features as the paid version. The free version's limitation is that you can only enter manual transactions. Many folks swear by his approach and EveryDollar is built with that in mind. His approach takes into account human psychology, rather than relying solely on math, and explains why it is so effective.
It also explains why ideas like the debt snowball work so well, we need to work with our biases and tendencies if we hope to succeed. In zero-based budgeting, you assign every dollar to a category or job, in YNAB parlance.
It's a level of rigor that can be refreshing or restricting, depending on your personality. The app itself is beautiful, available on your smartphone, and there is both a free and paid version. GoodBudget is a free budgeting app based on the envelope budgeting method. Envelope budgeting is when you set aside a prescribed amount for each category of spending, then spend it down each month.
It's one of the most popular money management techniques in personal finance. The envelope refers to the manual method of managing these types of budgets where you put the money into an envelope. When you run out of money, you either borrow cash from another envelope or you make do. GoodBudget adds technology to the mix and will synch up bank accounts to help track your income and your spending.
You set the amount for each category and then watch as your spending nears the limit each month. It's available for both iOS and Android phones. GnuCash is a free open-source accounting software that, if you're willing to put into the work, can replicate a lot of the Quicken experience for those who are willing to scale the learning curve.
It features double-entry accounting every transaction must debit one account and credit another , which is effective but will require an adjustment if you're not used to it. The big benefit is that it does budgeting as well as investments. It's not strictly a budgeting tool. So you can pull in your data if your bank offers you the ability to export transactions.
Dollarbird is another personal finance app with an eye towards collaboration and a monthly calendar. You synchronize your accounts banking, brokerage, and credit cards with Dollarbird and they build a schedule of future income and expenditures to help with planning. Dollarbird also offers a 5-year financial plan that lets you establish longer-term financial goals and track your performance against them.
The innovation they bring to the table is the idea of calendar-based money management. Of all the alternatives on this list, I know the least about MoneyWiz despite them being around since They support practically every operating system you can imagine — everything from Windows to Android to iOS devices like the iPhone and iPad — and it'll sync them in real-time. If importing from your financial institution concerns you, you can manually enter data as well and it works just as well.
For budgeting, you can work with their categories which are multi-level or add your own and subcategories. You can split transactions, bulk edit, tag, and create powerful reports. It won't pay your bills for you but does have notification features. It's a freemium product with the free version that has all the functionality minus synching across multiple devices and automated transaction downloads. PocketGuard is a fairly simple budgeting app that links your credit cards, checking and savings accounts, investments, and loans all in one place.
It has a complete picture or at least what you tell it of your finances but its strengths are in the budgeting — how it updates and categorizes your spending as it happens and looks for opportunities to save. Using your spending, it also builds a personalized budget based on your data as well as the goals you set for yourself. They have a free version and a Plus version. The free version has all that you need for tracking your expenses and keep an eye on them. Plus allows you to add custom categories, track cash transactions like income and bills.
On this list, the best free alternatives to Quicken are Personal Capital and Mint.
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