I am still bummed, that there is no easy way to pull the data from my bank automatically into these budgeting apps. They all rely on paid 3rd party tools for that and who knows what those do with my data
this post was submitted on 01 Feb 2025
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Actual let's you import downloaded statements in qfx or whatever format
That's how I used it anyway since I didn't want any third party I would just download a months worth of transactions and import them into actual then start setting up automatic tagging or manual if it's a one off transaction
Assuming US, Open Banking is on the horizon. Will likely still take a few years before it's fully implemented, but hopefully soon!
Unlikely at least in the near future. The remnants of Dodd-Frank and anything that Biden did are high on the list for Trump's chopping block.
I hadn't heard of this. Looks like we're finally getting some sort of standard API implemented. It's about time. No reason folks should have to use Plaid or other to link accounts or pull data easily.
PHP is kind of a plus
That's not something you hear very often.
I already have a lot of things using PHP (phpBB, Wordpress, FreshRSS, etc…) so that’s kind of a no-brainer for me. But I get the point, not very popular these days.
I just wish I had something useful to add.
Used beancount with fava for a little while but it didn't really stick.
I've been self-hosting Actual as an alternative to YNAB and I'm completely sold. It's really great, especially with bank account syncing activated. If you like envelope based budgeting I'd definitely go with Actual.
I moved to actual about 3 months ago from YNAB4. I'd moved to nYNAB then back to YNAB4 after a second price hike and then to actual.
No regrets. I run it as a docker on unraid and reverse proxy so I can access it remotely.
Feels a ton like YNAB.
Works on Windows, my macbook. The only missing thing IMHO is a dedicated mobile app (for Android in my case). The web works ok, but a dedicated app could improve the experience
This may not fully solve the problem, but have you tried using it through Hermit or Native Alpha? These are browsers designed to make websites work like apps on Android.
Combined with my password manager (Bitwarden), it's usually as fast or even faster than some apps, with a side benefit of a single app install rather than an app for each service.
So far this has worked well for Amazon, Walmart, libraries, my healthcare login, bank, ebay, Home Depot and Lowes, etc.
I'll check this out. But some things really need an app. Like gps for payees like ynab4 app has.
But the speed is certainly a factor.
Another vote for actual. It’s my first budgeting app so I don’t have anything to compare it to, but it was super simple to set up (as far as self hosted apps go), I really like the web ui, and simplefin works to sync with all of my banks/accounts. My only gripe with it so far is that it could probably use a better mobile experience.
FF3 is great, I have used it for years and I can't complain
How do you get your data in? Do you use the third party import services plugin or set up scraping of your statements that needs you to pass the statements in explicitly? I've been wanting to get into using Firefly 3 but the question of how I should do the data import has been a hurdle that's stopped me with indecision a few times.
I have my own personal finance tracker, Keizai. I found mainly Firefly III as bloated and since I wanted a simple, straight-forward finance tracker, I created my own.
Please bare in mind that Keizai is not yet finished. The development is still on-going, but it's a slow process. I have multiple projects in hand and with autism and other plans for a better, more healthier life, the development for all my projects tend to be slow.
And yes, you can self-host Keizai.
It would be awesome if you could Dockerise this!
I agree, but I don't know how yet :( Need to read more about it. I love and prefer Docker in most cases, so I want to Dockerise my projects.