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iOS 17.4 Lets Budget Apps Read Real-Time Apple Card Transaction Info

For me, this is BIG news. Detailed tracking of my spending has taken a backseat now that I use my Apple Card for all my transactions, and I was quite dismayed when I found that I couldn't attach it to Das Budget. Looks like they finally opened that up though, hurrah for financial stability
 
Thank god. I hate that the only method of getting that info into Monarch is with export/imports. Always a month behind. And I certainly don't blame Monarch.
 
Bigkool2inSC said:
I don't budget.
I just save / invest a certain amount first and use the what i need to from the rest..

(wait, that is budgeting..)
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lol same. we budget, but we don’t really go as in depth/detail about it. I don’t use any app or anything to budget.

I mean, I know I spend X per month on whatever because I know exactly what I made in the month and how much I have left over at the end of the month.

I respect and understand the app budgeting folks tho.

my expenses are also pretty low.
 
Is there a way that I can integrate this into Numbers instead? I used to use Mint and then NerdWallet for tracking in this way, but they never played nicely with Apple Card and such. I'm just doing it all myself in Numbers and some shortcuts for adding new rows for transactions... but I would love there to be an even easier way.
 
How do we find out if it works with Quicken or not? Is there a compatibility list somewhere?
 
But if it requires iOS update, it’s frontend integration right? Shouldn’t the backend integration be needed as well for easier integration?
The frontend integration would require apps to write custom logic just for ios17.4 devices and up to pull the data and send them back to their own server backend, which is a lot of work?
 
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P-DogNC said:
Can't we have a service like Mint where you don't have to pay for the ability to track your own money? That's why I used Mint in the first place. I'm tired of being monetized for every single thing I want to do. Enough!
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You can self host one of the free open source software. One of the examples https://ghostfol.io/
 
Good move from Apple, but after using MS Money and then Quicken for almost 2 decades, few years ago, when my wife and I got our Apple Cards, I decided to go back to a spreadsheet and I could not be happier.
I share it with my wife, access it anytime on any device and dont have to worry about privacy and monthly subscriptions fees.
We average about 70-100 transactions a month across 3 credit cards and 1 checking account, so not that much and not terrible to keep track manually which I usually do daily or next day after any sort of transaction. No financial app is going to see a dime from me.
 
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TigerNike23 said:
Like was discussed in another thread about Apple's bean counting, the fault here lies with shareholders of these companies expecting infinite growth. Everything must turn a profit, and quickly, and be higher than before or be a record in every successive quarter or it's a failure. Woefully unrealistic.
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But, no one would be a shareholder if stocks didn't grow. We'd all just put our money in savings accounts. Without stocks and public markets companies wouldn't be able to raise capital to invest in doing new things.
 
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pschlampp said:
But, no one would be a shareholder if stocks didn't grow. We'd all just put our money in savings accounts. Without stocks and public markets companies wouldn't be able to raise capital to invest in doing new things.
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This is a fair comment, however my point was not against growth, it’s against infinite growth as a concept.

Imagine playing the lottery and expecting to win every time you play. That’s infinite growth.
 
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I handle the finances for my family. My wife and I both have Apple Cards - that we've since gone away from because of this very problem (using Copilot, and have used YNAB)

Now that this works, I'm wondering if anyone has tried to sync multiple Apple Card accounts? I'm thinking, this may work if I login to Copilot on my wife's phone to have her Apple Card added to Copilot.. hoping that her adding the card there would sync to my other devices?

Has anyone tried yet?
 
Good to see this. Still waiting for Apple Card to be available outside US
 
The big three should be Monarch, Rocket Money, and Copilot. YNAB isn't even in the same class. Also, this took way too long for Apple to do.
 
Monarch is working great now with the new functionality. Reconnected last night.
 
dasmb said:
Huh. I'm actually sick of companies offering free services with opaque business models -- charge me for your service and provide a month to month option, please, so I can be sure you won't take my money and leave me with 11 months of crummy service.

I'm very mad Mint never offered anything besides a $.99 ad free plan (that only turned off mobile ads). I would gladly have paid $100 per year for it. Now I'm paying $50 to Monarch…and $50 to Quicken, at least until I determine which sucks the least.

The real cost with any of these apps is the 2+ hours it takes to set up all your bank accounts, investment accounts, etc.
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I ended up with Quicken after using a slew of options. Was a mint user from the beginning, credit karma is awful and just sells you stuff. That whole transition was ridiculous, I would have paid too to stay on mint if they would have kept it and kept improving the app. They really missed the mark on that transition.
 
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