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What do you use for keeping track of expenses and income (lemmy.today)

submitted 2 weeks ago by vurr@lemmy.today to c/personalfinance@lemmy.ml

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So I'm considering just using excel to keep track of all my expenses and income, but is there a better solution? What do you use to track how you spend money? I want something from which I can freely export the data if need be so excel is tempting.

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[–] ggtdbz@lemmy.dbzer0.com 2 points 2 weeks ago

I use an iOS app called Pennyworth and export from that to spreadsheets on my computer (sadly it looks like there’s a half dozen apps with the same name now). It’s relatively convenient to log everything manually in, and it has a few handy data breakdowns, but it all goes into an offline spreadsheet with all the silly calculations my heart desires. It’s not a subscription. It has budgeting features but I don’t use those. I don’t think the UI is particularly intuitive for people who dislike calendar views, but once it clicks it’s pretty logically laid out.

I want to refine the spreadsheet side, and I wanted to post to one of these comms with a similar question recently to see what others are doing, but that’s how I do it. At one point I wanted to move the spreadsheet side to a Google Doc or something similar that I can access from my phone, but I’m less inclined to upload personal information to Google these days. I think I have an encrypted zipped backup of an older version of that spreadsheet backed up there but that’s about it.

My bank doesn’t let me export anything and besides I live in the third world where (for better or for worse) we use cash for almost everything. So it’s no surprise my method is built around something that makes the manual record-keeping process faster and easier.