![]() ![]() I will definitely give it a spin within the next few months. I may still pursue that route but time constraints prohibit me at this time. The runner up in this process is definitely GnuCash. They aren't the greatest either as they have hiccups regarding their updating process but for me, a person nearing retirement, there are several tools that will be helpful. MoneyDance not cloud-based EveryDollar follows Dave Ramsey's Baby Steps GoodBudget follows envelope budgeting method GnuCash open-source and free DollarBird date & calendar based budgeting MoneyWiz freemium app with cryptocurrency support PocketGuard freemium budgeting focused app 1. For my portfolio, I've decided to go with Personal Capital. The downside is that they don't appear to be investment oriented regarding stocks although they have the capability. They have a youtube presence, not a large one but worthwhile videos to view. It's very inexpensive ($30) with no subscription or add on fees. The OFX method that you are using is not compatible with Discover Card downloads. If you wish to use any other program, you may need to input the transactions manually. It is how I would design an app if I could code. You may only download your Discover Card transactions directly through Microsoft (R) Money or Quicken (R). Some may see this as an odd choice but there are a few things that sealed the deal. Well, for anyone who finds themselves in my position regarding AceMoney or those who are curious as to what my investigation has resulted, the winner is: Moneyspire. There are also options that will allow you to connect it to your back account, but I didn’t want that anyways, so I import my transactions with a CSV. There are options for automatically getting stock prices, to update your portfolios. Once you have your accounts set up how you want, you should be able to easily import your current data into GnuCash. It allows you to set up your account how you want, allowing you to generate reports that meet your needs. There is a learning curve, but it is also flexible. ![]() You could also store them locally if you don’t want anything in the cloud. ![]() I store my data files in Dropbox so it’s always backed up and accessible from multiple computers. I first stumbled upon it looking for an offline option that doesn’t require bank connections. but damn, it’s fantastic and it’s free!!! It is not the prettiest software, and may require more manual entry, and will require a very basic understanding of double entry accounting (or willingness to learn), and there is no phone app. Never used AceMoney before, but if you want an offline software GnuCash is the way to go. ![]()
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