this post was submitted on 12 Aug 2023
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You might want to check out YNAB? It's not quicken, it's budgeting. It has a lot of banking connections.
It’s been a while since I tried it, along with gnucash and some other web based self hosted budget project that was abandoned.
I les s want the budgeting aspect but more the itemizing and ledger/balancing features. I use the budget to predict and track certain spending but often it’s more just tracking purchases and consolidating transaction spending. Even quicken kinda sucks at auto categorization, but does well enough.
I'd like to understand - why do want tracking and not budgeting?
It’s good to know where you are spending money, what your monthlies are. Where you can cut down and nickel and dime. Helps with things at the macro level with patterns. Especially with the new found subscription service culture.
I use quickens auto budget, kinda, but if I go over it’s whatever. We live well below our means overall. We pay our CCs off in full each month etc.
It also helps with taxes for things like write offs (though the standard deduction is almost always still the best deal for me) and helps when deciding on bigger spend projects etc (ie: house fixes, cars etc). Like if I have had to put a ton of money into a car and it gets close to the point of the value, is it better to get a new car? Well with quicken I can very quickly go look and see exactly how much I have spent on my truck in the last year.