Gratis personal finance manager with virtual account

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Asked 4 years, 5 months ago

Modified 4 years, 5 months ago

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Looking for a personal finance tool with the following must-haves:

Auto integration for cash accounts and investments.
Auto categorization of cash activity.
Virtual accounts/envelopes - as in the ability to sequester money in a single real account into several virtual accounts.
Free as in beer (for any number of accounts).
Reputable.

May be Windows desktop, web, or Android app based, and I don't mind ads.

Essentially, the ideal tool would be a Personal Capital with virtual accounts.

Have already looked into many solutions, but they are not fits for the following primary reasons ...

Izzy♦

18.8k4 gold badges45 silver badges112 bronze badges

asked Apr 17, 2019 at 18:08

M. Thompson

112 bronze badges

1

Personal sensitive data IMHO don't go well with ads/trackers, and I'd especially not put them on a mobile device – but no morales here: for Android, be welcome to check with my corresponding app listing. Can't give a straight recommendation as for reasons mentioned I'm not using any ;) Good luck, and feel free to answer your own question if you find something!
– Izzy ♦
Apr 17, 2019 at 18:17
By “automatic,” do you mean that you require the software to automatically download transactions from your bank?
– Ben Miller
Apr 17, 2019 at 18:28
@BenMiller yeah, for instance, it automatically queries accounts on a schedule or when the user logs in to it.
– M. Thompson
Apr 17, 2019 at 20:17
@M.Thompson That’s a feature not typically found in gratis products, as it is an ongoing service and requires some work to maintain compatibility with ever-changing bank systems.
– Ben Miller
Apr 17, 2019 at 20:38
Sure, I certainly understand that developers need compensation, which is why I accept alternative modes of revenue generation, like ads (as Mint does) or other services (like investment advice for Personal Capital).
– M. Thompson
Apr 17, 2019 at 22:44

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