https://actualbudget.org/ is excellent!
this post was submitted on 30 Dec 2025
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I've been using this for a while now, and can also vouch for it.
I made a small python script that takes CSV files and digests them for actual, and then actual does its thing and converts them into an sqlite database stored locally within my encrypted home directory.
It's amazing.
I'll second actual budget!
It's like Mint with no ads and data privacy. There are other budgeting tools that can be better, but if you're just after tracking and less about expense planning, this works well. Also compares well to YNAB with similar configuration options there if you go that route.
I do plain text accounting with ledger-cli. Nice and future-proof, and I can easily build stuff on top of it. Other examples are plain text accounting software is hledger and beancounter, the latter which is known to have a pretty good Python-ecosystem surrounding it.
Bold of you to assume I have finances that are even worth tracking 😉
goat
My Expenses is what I used. Before that it was an excel sheet! Simple, allow to reconcile with bank.
Back then no other app allowed that. All seemed to want to show you dashboard. Nice but IMHO the basics : adding transactions and reconcile them should be nailed.
But I am curious about others suggestions if there is any better one!
One thing I'd like an app to have (on Android) is being able to input planned expenses (which will be auto created when month begin) where I can see for an expense all planned expenses for current year in a column and in another column last year or current year with real expenses.
I use self hosted actual budget instance. Its pwa is decent
It's possible to get bank sync working too! Likely depends on your country though
That sounda cool. There was a time when you could connect your bank account to it.
Unfortunately it doesn't work in eurooe anymore
https://actualbudget.org/docs/advanced/bank-sync/gocardless/
Edit: gocardless doesn't sound so good https://gocardless.com/de-de/ who knows what they do with your data
Gocardless deprecated its consumer api. Now only paying companies can use their banking api.
I am using lunchflow for this. It is paid but they have a nice import script for actual.
Wow it seems cool. I probably would have paid for it if it would have supported Turkey credit cards sadly in Turkey open banking is pretty bad and doesn't include credit cards so manual entry for me. At least i have more granularity with manual entry for categories tho
I'll check!!
Same.
Gnucash but I've been using it for like 7+ years and I'm kind of set in my ways now
thanks!
LibreOffice Calc
Not sure if this is something you're looking for, but I've seen this mentioned elsewhere
I use a spreadsheet on the computer. Not elegant, and not convenient, but tailored to what I want. I manually put in my income and expenses, and have a separate page for the recurring stuff.
Tip for anyone who does similar, for recurring items (budget or bills), give each month (or whatever your budget period is) it's own column. That way if something's price changes mid-year, or changes each month (credit cards) it doesn't mess with the totals for the previous months. It also allows for more periodic stuff to fit in the same sheet, just put 0 for the months its not due.
Where is that pivot meme when you need one ...
I use Eqonomize. It's simple and works well for my purposes.
thanks, I'll check !
Ivy Wallet. While it is unmaintained as of recently, it is pretty much feature-complete and I really like its UI.