good app for showing finances?

[Anonymous]

Anonymous wrote:

Anonymous wrote:Any recommendations for an app that will update your investments and expenditures on a daily basis?

I used to use something I think called Mint but that was 20 years ago, but that was a website and not an app on my phone.

Thanks for any recommendations.

learn to use excel, fu<king boomer>

OP here-- perhaps I should learn excel. Any recommendations on how to learn it?

(BTW--I'm not a boomer. I imagine most American boomers are more tech savvy than I am. I'm an immigrant and grew up in a very rural place without internet.)

[Anonymous]

Which of these are free?

I just need a platform to connect to my credit cards and bank accounts so I can classify and track expenses.

I track investments in Excel (quarterly) and plan on soon switching to Boldin.

[Anonymous]

Anonymous wrote:Which of these are free?

I just need a platform to connect to my credit cards and bank accounts so I can classify and track expenses.

I track investments in Excel (quarterly) and plan on soon switching to Boldin.

i Use Empower and it is free.

excellent platform. highly recommended.

the platform was from Personal Capital , which Empower purchased, but largely left as is -> https://www.empower.com/press-center/empower-retirement-completes-personal-capital-acquisition

import from

- USAA
- Schwab
- Vanguard
- Citi Credit Cards
- Cap One Credit Cards
- Mastercards

then i can see all transactions in one place

and I can see all investments in one place, and check on performance/allocations. This is a little less important now, since I have moved all investments to Schwab and Schwab has excellent platform, but if you have investments scattered in multiple brokerages, Empower is excellent.

they try to sell me their services, periodically get a call/emails, but not a big deal.

wondering/worried when they will start charging. like Mint went away.

Mote that the way these services work is if they are hacked the hacker cannot gain access to your other bank login info, it's impossible. However they can get access to your balances, your transaction history, and things like that. Worst case they can get a copy of your account number, which is also on the bottom of every check you write. So while not great there isnt really a huge risk here.

They are token auth based connections, they cannot be used to login to a bank. It's not how it works. You never have to give login information to any of these services, Mint, Empower, whatever, they will NEVER ask you for your login info, that would be insanity.

[Anonymous]

We use Simplify by Quicken. We are also ex mint users.

[Anonymous]

Anonymous wrote:I've just been looking into monarch. Someone said it's very complex, and not being tech minded I don't know if I will like it. I want to manage my budget and keep track of expenditures, but also have one place that tracks ALL of my accounts so I can have a snapshot view of them all. Is this something this app does? Is it intuitive or hard to learn? Thanks! I have a promo code for 50% off for first year if anyone wants it

I find it really easy.

[Anonymous]

Another Monarch family here. Used to use Mint.

[Anonymous]

Anonymous wrote:

Anonymous wrote:Which of these are free?

I just need a platform to connect to my credit cards and bank accounts so I can classify and track expenses.

I track investments in Excel (quarterly) and plan on soon switching to Boldin.

i Use Empower and it is free.

excellent platform. highly recommended.

the platform was from Personal Capital , which Empower purchased, but largely left as is -> https://www.empower.com/press-center/empower-retirement-completes-personal-capital-acquisition

import from

- USAA
- Schwab
- Vanguard
- Citi Credit Cards
- Cap One Credit Cards
- Mastercards

then i can see all transactions in one place

and I can see all investments in one place, and check on performance/allocations. This is a little less important now, since I have moved all investments to Schwab and Schwab has excellent platform, but if you have investments scattered in multiple brokerages, Empower is excellent.

they try to sell me their services, periodically get a call/emails, but not a big deal.

wondering/worried when they will start charging. like Mint went away.

Mote that the way these services work is if they are hacked the hacker cannot gain access to your other bank login info, it's impossible. However they can get access to your balances, your transaction history, and things like that. Worst case they can get a copy of your account number, which is also on the bottom of every check you write. So while not great there isnt really a huge risk here.

They are token auth based connections, they cannot be used to login to a bank. It's not how it works. You never have to give login information to any of these services, Mint, Empower, whatever, they will NEVER ask you for your login info, that would be insanity.

Yea, I second all of this. It's a great platform and I have found it very helpful.

[Anonymous]

Anonymous wrote:

Anonymous wrote:Which of these are free?

I just need a platform to connect to my credit cards and bank accounts so I can classify and track expenses.

I track investments in Excel (quarterly) and plan on soon switching to Boldin.

i Use Empower and it is free.

excellent platform. highly recommended.

the platform was from Personal Capital , which Empower purchased, but largely left as is -> https://www.empower.com/press-center/empower-retirement-completes-personal-capital-acquisition

import from

- USAA
- Schwab
- Vanguard
- Citi Credit Cards
- Cap One Credit Cards
- Mastercards

then i can see all transactions in one place

and I can see all investments in one place, and check on performance/allocations. This is a little less important now, since I have moved all investments to Schwab and Schwab has excellent platform, but if you have investments scattered in multiple brokerages, Empower is excellent.

they try to sell me their services, periodically get a call/emails, but not a big deal.

wondering/worried when they will start charging. like Mint went away.

Mote that the way these services work is if they are hacked the hacker cannot gain access to your other bank login info, it's impossible. However they can get access to your balances, your transaction history, and things like that. Worst case they can get a copy of your account number, which is also on the bottom of every check you write. So while not great there isnt really a huge risk here.

They are token auth based connections, they cannot be used to login to a bank. It's not how it works. You never have to give login information to any of these services, Mint, Empower, whatever, they will NEVER ask you for your login info, that would be insanity.

Thanks! I'll give it a try.

[Anonymous]

Anonymous wrote:Don't use co-pilot. It's terrible and planning to switch in the new year.

Found the AWS employee.

[Anonymous]

I use excel.

[Anonymous]

Kubera is great for investments (and related documents) and tracking account balances.

[Anonymous]

Why do you need investment account balances updated daily? I use a spreadsheet that I update quarterly. It takes me 10 minutes. Account aggregators just create another potential attack vector for hackers.

[Anonymous]

Anonymous wrote:I use excel.

i use google sheets, with dates as columns and each account + account category (retirement, cash, brokerage, 529, liabilities, etc.) as a row. i don’t want a single site to have access, even if it’s view-only, to all of my accounts and passwords. I manually update balances each quarter, and have formulas that sum by category and show growth over time.

Sometimes I get more detailed on other sheets, like with individual stocks and funds but that’s time-consuming.

[Anonymous]

Anonymous wrote:

Anonymous wrote:Don't use co-pilot. It's terrible and planning to switch in the new year.

Found the AWS employee.

What? No, I'm a regular person that moved to copilot once mint shut down. It does not update my accounts right often, and I have to constantly re-upload and re-verify the accounts. Some of them just don't connect at all.