Personal finance software - replacing MS Money 2002

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397 posts

Ultimate Geek

#1480669 28-Jan-2016 14:05

$10/$20 per month to "track" expenses?

that's like having another platinum card with no rewards or benefits...

10 year project on premium account - so a simple calculation on how much I'd save by the time I retire is not even possible.

live bank feeds is interesting but I have never really needed that...

still using MS Money sunset version for budget and forecast - everything on track as I'm quite disciplined. Maybe I just don't spend much to justify a subscription to track them.

geekiegeek

2513 posts

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#1480676 28-Jan-2016 14:14

Wow, pocket smith looks really good and looks like something the wife could pick up quite easily.

notesgnome

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#1480689 28-Jan-2016 14:52

If you're with Kiwibank then Heaps isn't too bad (as well as being free). It can do a csv import from other banks but doesn't have the auto-classification of payees (i.e. who I spent my money with).

UHD

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#1480707 28-Jan-2016 15:36

notesgnome:

If you're with Kiwibank then Heaps isn't too bad (as well as being free). It can do a csv import from other banks but doesn't have the auto-classification of payees (i.e. who I spent my money with).

Heaps is really bad, hasn't been updated in years.

BuzzLightyear

411 posts

Ultimate Geek

#1480716 28-Jan-2016 16:04

freitasm:

ANZ and BNZ.

Is use pocket smith live feeds with ASB, BNZ and Westpac. All good. Best use of Pocketsmith for me is cash flow forecasting and scenario budgeting.

BuzzLightyear

411 posts

Ultimate Geek

#1480717 28-Jan-2016 16:06

geekiegeek:

Wow, pocket smith looks really good and looks like something the wife could pick up quite easily.

Their email support is normally very good as well. I have used for a couple of years and the product has come along great. I no longer use my bank apps unless making a manual payment because I can get a live snapshot and forecast with pocket smith every time I log in.

Stu

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#1480751 28-Jan-2016 16:39

$240 a year is quite a chunk of change. Looks interesting, but I'm going to have to read up a bit more to see if we'd really benefit from using their services. Haven't used Microsoft Money in many, many years. Currently use a spreadsheet to work out how much to put away each payday to ensure money is there to pay the bills. Can't see that there'd be very many advantages with the paid offerings?

People often mistake me for an adult because of my age.

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davidcole

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#1480757 28-Jan-2016 16:53

I've been using acemoney. Take the ofx feed from but isn't as user friendly as money. But it works ok.

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geekiegeek

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#1480788 28-Jan-2016 17:42

Stu: $240 a year is quite a chunk of change. Looks interesting, but I'm going to have to read up a bit more to see if we'd really benefit from using their services. Haven't used Microsoft Money in many, many years. Currently use a spreadsheet to work out how much to put away each payday to ensure money is there to pay the bills. Can't see that there'd be very many advantages with the paid offerings?

Actually the majority would only pay $89.88 per year as I doubt many would require support for more than 10 accounts so Premium would be the right plan and if paid on an annual basis it's only $7.49 per month. Seems pretty reasonable to me.

Stu

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#1480802 28-Jan-2016 17:56

I have about 20 accounts, so $170 I guess if paid annually would be the cost to me. Not huge money, as long as the benefit at least equalled the expense. I'll have a read up tonight.

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Adamanski

54 posts

Master Geek

#1480803 28-Jan-2016 17:56

Another vote for PocketSmith, have been with them 6 months. Like their categorising, and reporting, calendar forecast also is sweet - very visual with what's coming in and what's planned to go out.

Brilliant support as well - twice I've lodged a query and both times have heard back from them within a couple of hours.

Gwilson

136 posts

Master Geek

#1480829 28-Jan-2016 18:30

Moneydance is pretty feature rich and costs US$49.99 Works on Mac and PC.

That's a purchase cost - no monthly ongoing fees and imports CSV or Quicken format files fine.

jnimmo

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#1480909 28-Jan-2016 21:07

I'll check out Pocketsmith just for interest as haven't tried it

My favourite way of describing YNAB (from their blog)

The difference between YNAB and Mint is like CSI. At the beginning of the show, you’ve got a body. There’s been a death—probably something very tragic—and the rest of the hour-long drama is figuring out how the person died. So you’re connecting a lot of dots and digging into the past, looking back and trying to put it all together. But the person did die and they are still dead.

YNAB, on the other hand, is a lot like Minority Report, that Tom Cruise movie with the precogs? Remember? They were a little creepy, but they can predict the future and actually prevent crimes from happening in the first place. They could prevent the death. No dead body necessary. YNAB is all about focusing forward, where Mint is looking back.

mentor

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#1480945 28-Jan-2016 22:10

Been using Pocketsmith Premium with live bank feeds for ANZ, BNZ, ASB and Kiwibank. I used to be on Xero personal.

mentalinc

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#1480984 29-Jan-2016 06:09

Banks should start to enable read only accounts, that way you only give away all your personal spending data, but someone can't make payments from your account...

I use and still recommend Quicken, unless you need the coaching and guidance/habits that YNAB provides.

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