I’ve tried Mint, YNAB, and a couple of smaller apps. I usually quit after a few months because keeping everything categorized and up to date feels like work, not help. Auto-sync breaks, rules need constant tweaking, and once you fall behind it’s hard to catch up. The only features that really mattered long-term were reliable transaction import, simple rules, and a clean mobile UI. Most apps try to do too much instead of making the basics effortless.

Same here. I still haven’t found a single app that does everything I need, so I end up using a spreadsheet and updating it manually. It’s flexible and transparent, but also tedious, which is why I keep looking for a better tool that doesn’t get in the way.

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