I have kept track of my personal accounts with QuickBooks (now Reckon) - since 1996. In that time they have included more and more features that I don’t need. I have tried to ‘downgrade’ to a simpler offering, but Reckon say that is not possible as the data cannot be transferred. So I pay for a lot of features I don’t need (payroll, inventory, shares, job costing etc). The price of loyalty is a price rise of over 5% - now $620 pa (or it becomes Read-Only). In the last 10 years the software itself (the little bit I use) has not changed.
So now I am looking for recommendations for keeping track of our personal finances.
Choice did a review of budgeting apps in 2018, but I am not interested in a phone based app, or bank app (I have accounts with more than one), or web browser. I want to be able to put the software on my computer and manually add expenses, reconcile bank statements and allocate expenses to accounts. Getting a Profit & Loss report would be nice, but at least a report totalled by account would do.
Some of the basic offerings either limit the number of bank accounts, number of transactions, or require you to sign over various rights, such as data storage. Once tied to one the price could rise as the alternative is walking away from your data. I would be happy with a spreadsheet type template.