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

sold out to in 2009.

funded by First Round Capital (Josh Kopelman)

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