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Need personal finance software

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Pandamonium

Golden Member
Okay, my finances aren't that complicated. I can track them by hand without too much difficulty, but it's the "thinking about it every few days because I can't remember how long ago I last checked or whether I need to move money' part that kills me.

I want something that checks all of my credit cards, checking, and savings account balances, interest rates, and due dates. All of my frequently used credit cards are set to autopay statement balances at the due dates. So all I have to do is make sure that there are sufficient funds in my funding account to cover those payments. I keep most of my money in savings accounts for the higher interest rates, but I can't pay out of savings accounts all the time because they limit the number of transactions allowed per month. So what I really need it to do is track all my balances, keep most of my money in the highest yielding savings account, and then make up to 4 transfers/month from the savings to the checking account to cover the payments. Does anything do this?

What do you guys use?

PS: If it can give me itemized charges on a per-card basis, that would be cool too. Less important is tracking of investments- I don't exactly have that much.
 
I saw that, it looked like it does everything but the automated transfers part. That's the main feature I'm looking for. I don't mind tracking expenses by hand.
 
Is mint able to automatically move money between accounts though?

IE: ING Direct yields 1.4% APY; my checking account yields something like 0.75% APY. I want all of my money with ING Direct until a few days before my credit card autopayments will pull funds from my checking account. I want something to set that transfer up automatically for me every month, and when I looked into Mint, it didn't seem like it could do that.
 
Originally posted by: Pandamonium
Is mint able to automatically move money between accounts though?

IE: ING Direct yields 1.4% APY; my checking account yields something like 0.75% APY. I want all of my money with ING Direct until a few days before my credit card autopayments will pull funds from my checking account. I want something to set that transfer up automatically for me every month, and when I looked into Mint, it didn't seem like it could do that.
Click to expand...

In my experience with Mint, it's nothing more than software that downloads your transactions from multiple sources and categorizes them. It doesn't have two way communication with the actual institutions. Therefore you can't do bill pay, transfer money, or any of the features that Quicken or MS Money will do. It also won't let you create scheduled bills or deductions in advance.

From what you are describing, Quicken or MS Money is close, but unfortunately the first one is rather buggy this year and Money is a dead product.
 
Any other suggestions for this type of software?

I tried Mint, Quicken and MS Money, but none of them are able to connect to all of my credit card accounts online which is really frustrating. I'm beginning to think I should just make an Excel spread sheet for all this stuff 🙁
 
Yodlee is another online personal finance management. It's actually the backend for many bank's own online account management and is what Mint uses as well (Mint is just their own gui/interface w/ the yodlee backend). It may have more banks/accounts available.
 
Try Yodlee. It's the online provider to the majority of banks for "aggregating" services. It puts all of your account info on a single page. It doesn't actually do anything but provide you information, but it can keep you sane when you have many different accounts.

http://www.yodlee.com

Edit: looks like this was already suggested. :shrug:
 
I really recommend Mint.com. It's everything I need from Quicken without paying for anything. I have multiple bank accounts, credit cards, investment accounts, along with a student loan and Mint has no problem connecting to any of them, even my Nordstrom card.

I've been using Mint for about a year and there has never been a charge to my accounts when Mint updates the transactions; I'm pretty sure the person that said you would get charged is full of it.

For automatic transactions, just set that up via your bank's website. Mint will remind you when bills are due so you can stay ahead of the game.
 
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