I would like to understand my finances better. I could just knock up an Excel sheet, but wonder if there is an app to help me.
I would prefer something easy to use, so that it doesn't become a chore to enter data.
I am thinking to divide outgoings into categories : food/utilities/charity/clothes/etc and enter each time I spend something.
I am not overly interested in having it access my bank account or credit card and do not want my data on someone else's server unless it is end-to-end encrypted, so that only I can access it. That having been said, I do spend a lot via PayPal/eBay & Amazon.
I always have my 'phone with my, so that would make it easier to enter data as I spend. OTOH, the screen real estate seems to make a Windows app preferable for analysis.
I am open to Windows/Android/self-hosted/encrypted web site, with a bonus if I can use both 'phone and laptop with the same shared data.
It would be nice if I could set up recurring payments.
I am looking for graphs & charts. Something where I can see easily where my money is going (maybe a pie chart) and spot trends, or even be informed of them by the app.
Sorry if that's a bit vague. I will examine any and all suggestions