![]() You can see if you are on track to retire as planned. This is particularly helpful if you, like me, have multiple retirement and taxable accounts.įinally, Personal Captial offers a retirement planning tool. From asset allocation to investing fees, this tool gives you easy insight into your investment portfolio. Once linked, Personal Capital provides a wealth of information about your portfolio. They can also keep your data hostage, remove the "export" button, "reorganize" their pricing every 2 years and more.It enables you to link all of your investment accounts. They will do "UI improvements" when you don't want that and they will clusterfuck a perfectly working version once in a while. They can be acquired by bigger companies, they can be terminated because they lacked funds. ![]() You will absolutely be exposed if they don't maintain a high-level security practice. Generally, online services are very bad at automatic category assignment. Bonus : they were unresponsive to support and feature requests and I was on the PRO plan before they introduced the PRIME one. Well, not-excluding my travel expenses from reports give me a completely inaccurate view of my finances and leads to even more confusion. Excluding data can sometimes cause confusion and not lead you to see a complete view of your finances. And finally : "Can I exclude certain transactions/accounts/tags from my Reports and Budgets?" "Buxfer does not support excluding transactions or accounts from Reports/Budgets. Their automatic category assignment was - again - shitty (spoiler alert: IT'S ALWAYS SHITTY), but they offered rule-based category assignment ! Their account reconciliation was not accounting-ly correct (they changed the balance without adding a rectification transaction, so sum(transactions) = account_balance, would be false >< ). They kept accessing my bank account, even when I disabled the sync and deleted the bank account from the interface. They were accessing my personal account automatically without my approval (I had connection alerts in my bank's interface, and they were popping everyday at midnight). I linked only one of the financial institution I use. Buxfer: It started well, but then quickly degraded. Their automatic categorization was - of course - shitty. My financial institution was not available for linking, and I think they were using my transaction information to train their ML models on category assignments. It was self-hosted, and the reason I'm not using it today is probably personal taste. GNUCash: I don't remember testing it for a long time. It has the same negative points as YNAB 4. YNAB 5: The interface was nice, but it was not self-hosted. YNAB 4: Wonderful tool ! Simple, efficient, and locally available ! I was not a big fan of their budgeting strategies/options (especially when you go over the allocated envelopes) and I wanted more reports. If not, Amex messed up again and I should know about itĪbsolutely ! Here is a small personal description of the tools I used :) Sanity checks: Travel expenses + Reimbursements must equal zero. Rewrites: Rewriting transaction labels automatically (following user-defined rules) Multi-currency: I tried apps where the only currency available was USD, they did not stick around Subset selection on reports: Ignoring specific accounts, categories or tagged operations from specific reports reports Regex category matching: For automatically matching transactions to the correct category Transaction imports: OFX, QIF, CSV, XLSX. I would be, of-course, happy to pay a premium for this (and for the Kubernetes templates). I'm never, ever, going back to linking my bank accounts to a SAS app. Self-hosted: Although, I used online apps in the past, this is now an _absolute_ requirement. If I may, I would like to give you my list of the most useful features : I liked your project, the interface is clean, responsive and fast. I tested a lot of similar project in the past 2 years: Buxfer, GNUCash, YNAB 4 & 5, Mint, and Banktivity (currently using) and I'm willing to pay as high as $70 per year for a product that fulfills my needs.
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