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Once you've used the software for about a month, you'll rarely need to categorize expenses manually.Īnd YNAB follows a very interesting approach to budgeting. Categories can be assigned to your spending automatically. It uses a familiar spreadsheet format that's very easy to use. I've tried virtually every budgeting tool available, and YNAB is without question the most effective. It even provides useful data on 529 accounts you may have for your children and tracks the value of real estate.įor those focused exclusively on their budget, there's nothing better than YNAB (short for You Need a Budget). 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. If you forget, you may have some trouble.It enables you to link all of your investment accounts. Don't open the program and use the automatic update feature rather, manually install the Mondo patch. Before you do anything else-before you even open the Quicken program the first time-you must install the Mondo patch. If you're installing Quicken 2017 to upgrade from an older version, don't forget to go to the Quicken support site and download and install the Mondo patch update. From time to time, people report trouble when upgrading to a newer version, but that's only because they forget about one crucial step: the Mondo patch. Installation was a breeze-very quick and not a single problem. That's a LOT cheaper than a subscription! For thirty bucks, I got a fully licensed (LEGAL!) copy of the software that will be supported through April 30, 2020. However, I'm not crazy about subscription software, so I bought this to lock in an extra year of support before being forced to pay through the nose for a subscription.

Intuit had neglected its Quicken line for several years before selling it, and while it remains to be seen what the new owners do in the long term, Quicken remains the best option in personal finance software. I use the Home & Business version so I can track my income and expenses from freelancing, and it makes bookkeeping a lot easier.

I've used Quicken since the days of MS-DOS, and it's still the best of the best. Still the best personal finance software extant!