I used to try a bunch of different apps for tracking personal finances(YNAB, Mint etc.). But they didn't fit my "model". There are a few options that I would like to have:<p>- Transaction fees, I want to see how much I lose on transactions<p>- Smart budgeting<p>- Family sharing<p>- Recurrent savings (e.g >10% from each income)<p>- Multi currencies<p>- The planing of big purchases (e.g >5% from each income with deadlines)<p>- Maybe available money per day (total income - recurrent transactions(e.g savings/subscriptions) - purchases planing / days in month) something like that.<p>Google Sheet doesn't fit my expectation, because I fill in transactions from the iPhone.
I already started working on the app for myself but feel that there is a loooot of similar stuff. So no need for one more.<p>Please, share your experience of tracking the personal budget. What are you using for that? What have you tried to use? Maybe you already made something that will be suitable for me?
Based on your list of requirements (especially multicurrency), check out Lunch Money (<a href="https://lunchmoney.app" rel="nofollow">https://lunchmoney.app</a>)
Disclaimer– I am the indie maker behind this :)
3 Gnucash files/directories. Handles 2 corporations and my personal life. It's a lot of work. It gets in the way of other work. But since the data is confidential, I put up with it.
Libre Office spreadsheets.
I also have a few Python scripts I wrote to consume downloaded CSV files of my bank account transactions, summarize them a bit, and drop them into a spreadsheet.
I’m using google sheets, updated in the 1st of each month. It Calculates total net worth which is all in really inverted in. It could be adapted to handle multiple currencies though.