Mint.com

Personal Finance WebApp I've used for a long time.

shutting down Jan'2024!

How TheWife and I have used it...

integrate all our spending accounts (also our investment accounts, but I haven't gotten any value out of that)
create custom categories of expenses - mostly custom subcategories of their big buckets
we do our forecasting (kinda budgeting) on an annual or half-year basis, and check actuals against that.
- our buckets don't match nicely the Mint buckets
  - our top-level is "fixed" vs "discretionary", but even those are fairly fake/useless lines
  - in some cases we use their big-buckets, in other cases we break out to small-categories.
in reality, this is a giant waste of time, our behavior doesn't change much, other than occasionally putting off 1 big expense (roof replacement) because of another (car replacement).

What has irked me with Mint?

some patterns of bad item-categorization - I feel like this has actually gotten worse over the years
other weird crap, like bills-paid-electronically-via-bank got made unintelligible because transaction-id stuff fields which caused all the categorization to break (and to fix things manually required going back and forth with a Chase window to figure out what things really were)
some weird dupe transactions - I think this was caused by entering both my and TheWife's Chase credentials, because our life insurance trust accounts aren't joint, but then our joint transactions got screwed up
bad-getting-worse transaction querying (date-range, amount-range), needed mostly to manually clean up categorization

So what do I need from next solution?

given that Mint/Intuit history, I'm not going to "switch" to another free Intuit product
I need good quality auto-categorization, with custom categories supported
absolutely need a webapp, I'm not going to do everything on a dang phone - boy do I hate articles that act like only mobile apps are worth mentioning
I'm leaning toward Monarch Money, esp since they have a first-year-discount

Bill Seitz