1

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.

I have checked responses to Gratis personal finance manager and Desktop software to manage my finances with virtual accounts, but these aren't good matches.

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 ...

5
  • 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
    Commented 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
    Commented 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. Commented 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
    Commented 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). Commented Apr 17, 2019 at 22:44

0

Your Answer

By clicking “Post Your Answer”, you agree to our terms of service and acknowledge you have read our privacy policy.

Browse other questions tagged or ask your own question.