Any simple, affordable, multi-plataform money management app?

iRock1

macrumors 65816
Original poster
Apr 23, 2011
1,007
96
So far I've been using MoneyBook on my iPhone. The problem is that I'm forced to reach my phone when I'm using my iMac, MacBook or iPad and I want to add some expenses.

Keep in mind that I'm looking for something simple. By no means I'm an accountant – I just want to keep a record of my expenses and incomes in categories and with some nice icons and GUI.

Of course, it should have an iOS version so everything is synced.

Thanks!
 

mic j

macrumors 68030
Mar 15, 2012
2,656
150
So far I've been using MoneyBook on my iPhone. The problem is that I'm forced to reach my phone when I'm using my iMac, MacBook or iPad and I want to add some expenses.

Keep in mind that I'm looking for something simple. By no means I'm an accountant – I just want to keep a record of my expenses and incomes in categories and with some nice icons and GUI.

Of course, it should have an iOS version so everything is synced.

Thanks!
I use Moneydance on my MBP. It's simple and straightforward. Acts like an electronic checkbook but has good search functions. They have a free iOS app but I haven't used it.
 

iRock1

macrumors 65816
Original poster
Apr 23, 2011
1,007
96
I use Moneydance on my MBP. It's simple and straightforward. Acts like an electronic checkbook but has good search functions. They have a free iOS app but I haven't used it.
Try MoneyWiz, very affordable with a nice looking UI.
I've been checking out the corresponding websites but those apps are WAY too expensive, just like iBank and Quicken (I also have to pay for the iPad and iPhone apps), and they seem to be overkill.

I need something simpler, just like a spreadsheet where I can have a record of my expenses, but with a nicer UI.
 
Last edited:

snebes

macrumors 6502a
Apr 20, 2008
786
509
What about mint.com? It has an iOS app too.

It's free, so it should fit your price range. It is owned by Intuit (makes Quicken, Quickbooks, etc).
 

SaSaSushi

macrumors 601
Aug 8, 2007
4,104
497
Takamatsu, Japan
I swear by YNAB. There is a slight learning curve, but it's easy once you get the basics. It has cross-platform support and great iOS apps. I love it and can't recommend it highly enough.
 

magnumpi

macrumors member
Sep 24, 2012
41
0
If you settle for Moneywiz wait for a couple of weeks cause they are currently in the middle of the Moneywiz 2 release.
 

Meister

Suspended
Oct 10, 2013
5,456
4,309
Make your own spreadsheets in numbers and sunc between devices via icloud.
 

SackJabbit

macrumors member
Aug 21, 2011
75
12
I swear by YNAB. There is a slight learning curve, but it's easy once you get the basics. It has cross-platform support and great iOS apps. I love it and can't recommend it highly enough.
+1 for YNAB!

OMG, I discovered this software & app package that is cross-platform a few months ago after much research into money management software, and I too can't recommend it highly enough.

The learning curve is fun when they have so many free webinars, tutorials and a really friendly and thriving active forum.

In addition, the app and desktop software interface is really cool, great GUI, IMHO.
 

etsi

macrumors regular
Oct 23, 2011
248
1
Any other options?

Moneywiz is nice but sucks that you have to upload data to their server. You have to sign in to retrieve everything. If the server fails, company fails how I will retrieve my data when I will need it. How I'm not sure a hacker can retrieve my info from their server.

Also I can't use any future versions if I don't use their cloud. So I'm stuck with an unsupported application that they removed from the appstore. :mad:
 

Thunderboltedge

macrumors regular
Nov 12, 2014
143
18
Milan
+1 for YNAB!

OMG, I discovered this software & app package that is cross-platform a few months ago after much research into money management software, and I too can't recommend it highly enough.

The learning curve is fun when they have so many free webinars, tutorials and a really friendly and thriving active forum.

In addition, the app and desktop software interface is really cool, great GUI, IMHO.
Is this a money management meaning budgeting or a wide app which encompasses even investments and helps you taking care of every form your money you invested in?
For the price they make you pay I assume is much more than budgeting (at least I hope so)
 

SackJabbit

macrumors member
Aug 21, 2011
75
12
Is this a money management meaning budgeting or a wide app which encompasses even investments and helps you taking care of every form your money you invested in?
For the price they make you pay I assume is much more than budgeting (at least I hope so)
hmm.... since i only use it only as a money management/budgeting tool, i can't comment on the investment aspect of the software. it does seem to have options for an Investment Account though. perhaps YNAB has some investment tracking capabilities, but i'm sure the YNAB forums or someone here could help you with that question.

i will say though, having YNAB has definitely saved me a lot on what i've paid for the software.
 

simonsi

macrumors 601
Jan 3, 2014
4,850
734
Auckland
Moneywiz is nice but sucks that you have to upload data to their server. You have to sign in to retrieve everything. If the server fails, company fails how I will retrieve my data when I will need it. How I'm not sure a hacker can retrieve my info from their server.

Also I can't use any future versions if I don't use their cloud. So I'm stuck with an unsupported application that they removed from the appstore. :mad:
Well ANY multi-platform app you will need to sync data via some kind of cloud. That is all Moneywiz does, the app saves your data locally but syncs changes via their cloud so your concern about data loss isn't valid, although as a platform it would have cross-platform issues if their cloud were to disappear.

You can also export any of your transactions for any time period so easy to extract a csv of everything for import into any other app at any time.

I'm a happy Moneywiz user....
 

etsi

macrumors regular
Oct 23, 2011
248
1
Yes but with moneywiz try to sign out from syncbits. You MUST log in to access your data. If server goes down, company vanishes or a hacker takes them down you won't be able to retrieve your data. The trial of YNAB I'm testing uses dropbox, you don't depend on a server and you can turn it off any time. With Moneywiz you have to send them the contents of a directory with some data to convert it to local only database. I can't understand why they don't add an option to not use the cloud. Also if you use a local database and you want to upgrade to newer version you must use syncbits. I like moneywiz the way it works but please add an option to switch from a cloud/to local database or find a way to not have to log in syncbits to access data.
 

simonsi

macrumors 601
Jan 3, 2014
4,850
734
Auckland
Yes but with moneywiz try to sign out from syncbits. You MUST log in to access your data. If server goes down, company vanishes or a hacker takes them down you won't be able to retrieve your data. The trial of YNAB I'm testing uses dropbox, you don't depend on a server and you can turn it off any time. With Moneywiz you have to send them the contents of a directory with some data to convert it to local only database. I can't understand why they don't add an option to not use the cloud. Also if you use a local database and you want to upgrade to newer version you must use syncbits. I like moneywiz the way it works but please add an option to switch from a cloud/to local database or find a way to not have to log in syncbits to access data.
Once you install the app, you don't need to use syncbits at all, so no issue, you have the option to not use the cloud by simply not using it in the first place. If you have setup syncbits but have no internet connection (so no access to syncbits servers), the app and data open fine, again no issue - so server access is not required to access your data. If you sign out of syncbits sure it will remove the data from your machine, however there are instructions on how to backup the local data file on their website so it is a simple matter to backup, sign out and then restore the data file and work in offline mode...

BTW I won't be adding anything, I'm a happy user, not one of their developers ;)
 

etsi

macrumors regular
Oct 23, 2011
248
1
There is no way you can do it on your own. I have an open ticket with the support you must send them your data and convert it for you. You can't get rid of syncbits the easy way.

"Close MoneyWiz and then open a Finder window, and use this shortcut on the keyboard: ⇧ Shift + ⌘ cmd + G
This will invoke a textbox - "Go To Folder". In the box enter, exactly: ~/Library/Containers/ and hit Go.
In the folder that will open be careful :) Locate the "com.silverwiz.formac" folder (or "com.moneywiz.mac" folder if you use MoneyWiz 2.0). That's where all data for MoneyWiz is kept. Just copy it to your desktop. Then, add it to an archive/compress it to a zip or rar file and send it to us. Keep the backup on your computer too."

Also If I upgrade to version 2 I must use again syncbits before the upgrade, send them again my data files to convert to local database again. Also they informed me that they will integrate the cloud more in the future and no option to have it as a local file. So I'm not sure in the future if I could have a local database or have to use an old unsupported application that I won't be able to update.
 

simonsi

macrumors 601
Jan 3, 2014
4,850
734
Auckland
There is no way you can do it on your own.
If you only have the Moneywiz internally-created backup file that maybe true, but if you go further you can find the actual data files themselves, if you back those up you are sorted. They will be at (for V2):

/Users/<your username>/Library/Containers/com.moneywiz.mac/Data/Library/Containers/com.moneywiz.mac/Data

V1 are at:

/Users/<your username>/Library/Containers/com.silverwiz.formac/Data
 

Thunderboltedge

macrumors regular
Nov 12, 2014
143
18
Milan
hmm.... since i only use it only as a money management/budgeting tool, i can't comment on the investment aspect of the software. it does seem to have options for an Investment Account though. perhaps YNAB has some investment tracking capabilities, but i'm sure the YNAB forums or someone here could help you with that question.

i will say though, having YNAB has definitely saved me a lot on what i've paid for the software.
That's important to hear it, thanks.
Can i ask in which way it did help you the most (if the question is not inopportune).
What did you find it helping you where by yourself you were a bit lacking in terms of management your budget?
(I am asking since I am thinking to buy it)

Thanks
 

rhett7660

macrumors G5
Jan 9, 2008
12,554
2,518
Sunny, Southern California
I swear by YNAB. There is a slight learning curve, but it's easy once you get the basics. It has cross-platform support and great iOS apps. I love it and can't recommend it highly enough.
+1 for YNAB!

OMG, I discovered this software & app package that is cross-platform a few months ago after much research into money management software, and I too can't recommend it highly enough.

The learning curve is fun when they have so many free webinars, tutorials and a really friendly and thriving active forum.

In addition, the app and desktop software interface is really cool, great GUI, IMHO.
One of the things I don't like about YNAB is that it isn't connected to a bank account for automatic downloads and syncing. There seems to be a lot of manual updating. Has this been an issue for either of you?

I just downloaded it and am on day one of the trial. Going to be sitting through the videos etc.

The app itself is pretty slick and clean looking to use.
 

SackJabbit

macrumors member
Aug 21, 2011
75
12
That's important to hear it, thanks.
Can i ask in which way it did help you the most (if the question is not inopportune).
What did you find it helping you where by yourself you were a bit lacking in terms of management your budget?
(I am asking since I am thinking to buy it)

Thanks
Sure, not at all! :) Well, in the past I would just spend without keeping in mind of any form of budgeting; all I was looking is that current/checking bank balance I have available to spend for the month. So, that single figure was the only flag/benchmark for all of my spendings on different needs/wants. I kept thinking, oh I have that much in the bank, I'll just keep going :p

With YNAB, it breaks that habit by making you budget every single dollar you receive in earnings/pay check, and dividing them into categories of what you need and want to spend on. So, every time you spend on something, say groceries, bills or clothing, it deducts from the amount allocated or budgeted for the month, and then YNAB tells you, oh you have this much left budgeted for groceries or clothing for the month.

Essential, for me at least, it reminds me to not overspend for each category. Having a phone with me all the time, YNAB app makes it really easy and fun to keep track.

I'm trying to reach the goal of using the current's month's budget just by living of the last month's savings. Seems most people achieve that in 4 months on average using YNAB. For me, I've reaching half way that point 3 months into using YNAB. I noticed having a mobile app, I'm more likely to stay within budget and also under budget to a point I have excess rolling over to the next month. Seeing how much you have left over at the end of each month, plants this sense of achievement and instills a greater habit to continue "saving" that way. I would think, oh, I didn't spend so much on groceries this month, soon in 3-4 months, I'll have enough left over in groceries budget to spend in my say 5th month without dipping into that month's paycheque.

In short, YNAB helped me in mini-goal saving habits.
 

SackJabbit

macrumors member
Aug 21, 2011
75
12
One of the things I don't like about YNAB is that it isn't connected to a bank account for automatic downloads and syncing. There seems to be a lot of manual updating. Has this been an issue for either of you?

I just downloaded it and am on day one of the trial. Going to be sitting through the videos etc.

The app itself is pretty slick and clean looking to use.
At the start, not having that automatic feature seemed like it would be a problem. Being someone who likes to collect every thing, and wanting to have all information available in YNAB, I did find having to manually update entries for all my past several months a lot of tedious work. Then, I realised I really should not be looking to my past month's spendings as what really mattered was now and future spendings. So after reading the forums and watching the webinars, I realised every one starting out should just start clean with the current balances. So, that eliminates tedious numerous past entries.

Since my entries spendings/transactions aren't too frequent, ie. 0-3 times a day, I don't find the manual entry any/much hassle. In fact, I do like that I enter it manually. For me, it keeps reminding me how much I have left for each category, and keeps my spending on track.

I think unless you're someone who has very frequent spending habits and too busy, the manual entry should not be a problem.

Yes, I agree, the desktop and mobile software/app is really slick and clean.
 
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Thunderboltedge

macrumors regular
Nov 12, 2014
143
18
Milan
Sure, not at all! :) Well, in the past I would just spend without keeping in mind of any form of budgeting; all I was looking is that current/checking bank balance I have available to spend for the month. So, that single figure was the only flag/benchmark for all of my spendings on different needs/wants. I kept thinking, oh I have that much in the bank, I'll just keep going :p

With YNAB, it breaks that habit by making you budget every single dollar you receive in earnings/pay check, and dividing them into categories of what you need and want to spend on. So, every time you spend on something, say groceries, bills or clothing, it deducts from the amount allocated or budgeted for the month, and then YNAB tells you, oh you have this much left budgeted for groceries or clothing for the month.

Essential, for me at least, it reminds me to not overspend for each category. Having a phone with me all the time, YNAB app makes it really easy and fun to keep track.

I'm trying to reach the goal of using the current's month's budget just by living of the last month's savings. Seems most people achieve that in 4 months on average using YNAB. For me, I've reaching half way that point 3 months into using YNAB. I noticed having a mobile app, I'm more likely to stay within budget and also under budget to a point I have excess rolling over to the next month. Seeing how much you have left over at the end of each month, plants this sense of achievement and instills a greater habit to continue "saving" that way. I would think, oh, I didn't spend so much on groceries this month, soon in 3-4 months, I'll have enough left over in groceries budget to spend in my say 5th month without dipping into that month's paycheque.

In short, YNAB helped me in mini-goal saving habits.
Amazing in-depth answer.
Very appreciated.
Thanks, i will strongly think to give the app a try.
 
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