Personal Finance Apps/Software

Man of Honour
Joined
13 Nov 2009
Posts
11,632
Location
Northampton
I'd like to get on top of my finances better than I am doing currently.


Id prefer something Web/Android app based
  • Easy categorisation of spending, preferably automated to some degree for recurring transaction
  • Saving/Spending Goals
  • Auto importing transactions from Online/Banking
What are peoples recommendations?
 
Starling. It was a massive help in me getting out of debt.

Monzo is also good, I have both and prefer Starling. If you get a referral for Monzo I think you get a fiver, not sure. Let me know and I'll send you one if you want.
 
Starling. It was a massive help in me getting out of debt.

Monzo is also good, I have both and prefer Starling. If you get a referral for Monzo I think you get a fiver, not sure. Let me know and I'll send you one if you want.

Are those not bank accounts?
 
I'd like to get on top of my finances better than I am doing currently.


Id prefer something Web/Android app based
  • Easy categorisation of spending, preferably automated to some degree for recurring transaction
  • Saving/Spending Goals
  • Auto importing transactions from Online/Banking
What are peoples recommendations?
Try plum however I'm skeptical about sharing my account details with a third party.

Personally I use Quicken offline, import CSVs and use the functionality for spending for grouping i.e. shopping, utilities etc.

It has good savings goals functionalities, where you add goal amount, date to reach goal and amount p/month you need to set aside to reach goal that adjusts according to what you actually save
 
Are those not bank accounts?

They offer bank accounts, but I just use the spending card facility. Stick my weekly pocket money on it and off we go. It's also on Google Pay so I can just tap with my phone anywhere. Really good.
 
I’ve switched from offline using Microsoft Money to using YNAB (You Need A Budget) which allows me to categorise, connect to multiple banks and set targets.

It does have a fee but works really well and tbh I’ve saved more than the fee in the first month as I feel I can control my actual spending now.

They do a 34 day trial and have a referral program too.
 
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Quickbook for £10/year seems another good option

(or GNU for a free alternative)
 
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I use a very old version quicken, simply because it’s non cloud.

It allows me to manage my accounts and stocks/shares.

I’ve been thinking about getting the new version simply for automatic sync of the values of stocks and shares.

I think the first and important step is sorting out your bank accounts.

I have a main one for direct debts, mortgages and stuff that I need to pay.

I have a second one for pocket money.. stuff like takeaways, bets etc.

Tbh most of my non automated spending gets done on a credit card for cash back.
 
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