I am looking for a tool to manage my personal finances which is oriented on the previsional.<p>Indeed, for me, the purpose of following my operations is to know if I will be ok to finish the month and if the rest of the year will go well.
It also allows me to create budget "envelopes" (for trips, gifts, etc.) or to make simulations to refine my savings.<p>Every day, I use Bankin to track and classify all my expenses and incomes.<p>Then I add them to a personal Google spreadsheet (which contains one tab per month of the year) in which I add future operations.
So, I can see if I will be positive or negative at the end of the month and the rest of the year.<p>I do it every day and it's very time consuming.
The other problem is that to do my simulations, I have to duplicate the sheet for each case.
As I work on the previsionel, I do not have visualization of the real instant and, sometimes, some deltas appear (I will improve my sheet on that for 2018).<p>Do you track your personnal finance this way ? Do you have a tool for that ?
I also use spreadsheet. Once I got my salary, I make a plan for my expenses for the month. I always leave a buffer of 300 and transfer the remaining amount directly to my deposit account.
Once a week or biweekly, I review the plan to check if my remaining balance will cover all upcoming expenses. If not, I use my buffer.