Online Money/Personal Finance/Budgeting Software?

Modular

Diamond Member
Jul 1, 2005
5,027
67
91
I'm looking for some good software to manage my personal finances. I have Microsoft Money, but from what I remember it's no longer supported by them.

I looked online and saw mint.com - I'm not sure I like having an online program "know" all my account numbers, etc. but I'm not completely against it.

What do you all use? Anyone use mint or still use Money?
 

rcpratt

Lifer
Jul 2, 2009
10,433
110
116
I use Mint. It works well except that it refuses to work with my 401k, but my spreadsheet is better anyways. Its investment analyses look pretty primitive, but what I mostly use it for is my monthly budget.
 
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kranky

Elite Member
Oct 9, 1999
21,019
156
106
Been using Quicken for 20 years, does everything I want it to do. Currently using the Premier version. Budgets, investments, tax planning/tracking, retirement planning, downloads transactions and automatically categorizes them.
 

PokerGuy

Lifer
Jul 2, 2005
13,650
201
101
I have a set of spreadsheets that makes it very easy to track every penny and work with a budget.

Mint.com is tempting, but you have to provide them with login username and password to all your accounts for it to track the assets and all that. What could possibly go wrong? ;) I'm just not comfortable with giving them all my usernames and passwords to all the accounts.
 

ichy

Diamond Member
Oct 5, 2006
6,940
8
81
I use Quicken. I don't have it automatically sync with my bank accounts. Entering my transactions manually forces me to check them all for accuracy.
 

oogabooga

Diamond Member
Jan 14, 2003
7,806
3
81
I use mint.com. I mainly use it as an overview for all my accounts/transactions. I do my actual budgeting on a spreedsheet since it forces me to go through every transaction I make.

I was pretty worried about the fact that all my logins are there .... and still am. I've used it for years now though without issue, and I figure now that Quicken owns them, at least there will be deep pockets to sue if there is one. Worst case - if they have a major security breach and I have to take time to deal with it, it's likely going to be less time than I would have spent over the years manually dealing with each thing. I figure things would have to get monumentally F'd up and I'd have to get unlucky to need to have to take time to do drastic things like cancel and remake my accounts.
 

Modular

Diamond Member
Jul 1, 2005
5,027
67
91
The weird thing is that Mint.com is "free". That sounds too good to be true to me. Why is the cheapest version of Quicken $60 and mint is free?

Is there in-application advertising or something?
 

Bignate603

Lifer
Sep 5, 2000
13,897
1
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The weird thing is that Mint.com is "free". That sounds too good to be true to me. Why is the cheapest version of Quicken $60 and mint is free?

Is there in-application advertising or something?

Mint has suggestions on products from sponsors, that's how they make their money. They're not obnoxious about it though.
 

CPA

Elite Member
Nov 19, 2001
30,322
4
0
I use Excel for the budget and individual creditor websites for my account updates. All login info is kept in PasswordSafe.

Used Mint for a while, but all the corrections I had to make made it a pain to use. Plus, it seemed like every month, one or two of my accounts stopped working for Mint and I would have to reconfigure or wait until Mint worked the problem out.
 

Mo0o

Lifer
Jul 31, 2001
24,227
3
76
Question about mint:

Should my wife be make her own individual account or should she just add her financials into my account's information? I suppose this is mostly asking about her student loans since we share everything else
 

Bignate603

Lifer
Sep 5, 2000
13,897
1
0
Question about mint:

Should my wife be make her own individual account or should she just add her financials into my account's information? I suppose this is mostly asking about her student loans since we share everything else

That's completely up to you, my wife and I deal with all our finances together so we have everything merged.
 

dquan97

Lifer
Jul 9, 2002
12,010
3
0
I like using yodlee over mint. Something usually went wrong with mint and I got frustrated over time