But why one or the other? Don't get me wrong, I appreciate a curated list of suggestions, but it would really be useful to have some tips or comments on the experience of each one, their shortcomings or advantages. Otherwise, it's not much better than just checking out a list of names from Google :)

I will use hledger if I'm handling someone else's money, like as a trustee. Double entry accounting is nice for being precise about things. But for my own accounts it's too much overhead to deal with reconciliation. Don't have time for that.

A lot of it is going to be needs & vibes based. Some of them have more in-depth and niche features in certain areas, like transaction splitting or categorization and others are just simple and clean UI to go for ease of use.

Few more to consider:

https://www.monarch.com/

https://useorigin.com/

I use monarch, I don't think it is very good as an 'investment tracker' (what wealthfolio claims to be). It's fantastic as a more general personal finance/budget tracker.

For example - I have to reclassify loads of transactions for it to track close to correctly. Say treasuries - purchase at a discount, then at maturity redeem for full amount. You can enter them as buy/sell, but then it wont properly report to cashflow, or give you a good classification as to what type of income that was.

Similar with stocks and short term/long term. It means that even though all the info is there it's not as useful as I'd like for showing total income broken out as types of income to help with tax planning etc.

I still use it so the annoyances are not too extreme, but if there were a tool that did a better job of the investment side I'd switch.

Looking at the wealthfolio features I'm not sure it handles any of that any better though, but it does seem to break out dividend/interest income.

I use monarch and I've been happy enough with it. Would probably consider self-hosting with actual in the future, but I wanted an easy on-ramp for myself to actually get in the habit of budgeting.

Will shamelessly promote ours as well: https://www.fulfilledwealth.co/

We're entering the same market but with a tilt towards investment & actionable guidance. Same read-only capabilities on the account sync side (although our budgeting + spending side is still heavily in development) except we're an RIA that can provide professional advise (for free).

I still use GNUcash [1]. Only drawback is comparatively poor handling of equities, with no good way to view historic portfolio value / net worth. Great for general purpose accounting though.

[1] https://www.gnucash.org/

Does the net worth report not work correctly?

As I recall, it doesn't incorporate the historic price of stocks. So if I bought 1 share of Nvidia for $10 10 years ago, it'd say I had a net worth of $180 then, not $10 (as it uses today's stock price).

Not mentioned yet in this subthread, but worth checking out because it runs fully local: https://play.google.com/store/apps/details?id=com.stoegerit....

It's not perfect, for example its monthly/yearly subscription detection didn't work great for me, but compared to all those apps that involve trusting a third party with your banking data it's worth a look.

There's also Actual Budget (https://actualbudget.com) which you can self-host.

Adding https://github.com/firefly-iii/firefly-iii

beancount + the web ui for it, fava, is what I end up going back to whenever I look for the sort of tools. Downside is I'm way behind on my ledger and don't _really_ want to spend the effort inputting everything to catch up.

I am a big fan of lunchmoney, built a TUI for it with their API too.

https://github.com/Rshep3087/lunchtui

Which do you like for what purpose ?

Also seems like Empower (not listed) is the big one

For germans I found https://parqet.com/ very good.

Generous free tier and auto sync from some common german banks

Which you appear to be the developer of from other comments in this thread. Not saying it's bad, but it's self-promotion rather than organic preference.

I think if it's strongly relevant and someone else started the conversation, that it's fine as long as there's disclosure.

HN is for self promotion

> Please don't use HN primarily for promotion. It's ok to post your own stuff part of the time, but the primary use of the site should be for curiosity.

https://news.ycombinator.com/newsguidelines.html

You missed https://tiller.com which uses the same financial connectors as others but dumps the data into a Google/Office365 spreadsheet that you control.

Typo fix: ynab.com

Clickable link: https://ynab.com

I'm a huge fan of You Need A Budget, it was instrumental in giving me control over my finances. It feels like a superpower to see all my money in one place and not care which bank account the dollars actually reside. Also makes it easier to take advantage of various offers (Credit card or things like HYSA) since I know all the records will live in YNAB and I have full control there, even if the individual banks I use have terrible UIs.

Someone else mentioned this up the thread. I am a huge fan of YNAB too, but I just gave Actual Budget a try and I'm hooked. Some things are better and some things worse than YNAB, but it's open source and self-hosted. I'd recommend either.

Fixed thanks!