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What tools do you use to track your money?

I'm using the good ol' Excel spreadsheet to track expenses, income, NW, etc. Are there any other tools or apps that you guys found useful?

Also shoutout to my fellow spreadsheet power users 😎

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  • I use Excel. Apps generally seem to be focused on tracking spending, and are less useful for modeling future changes. If I want to look at my actual spending in more detail I can use the banks apps for that, the spreadsheet is more future focused.

    I have been working on the spreadsheet for years with gradual improvements all the time, and it is exactly customised to my needs. So I can calculate my pay (which is variable and based on a ludicrously complicated structure), allocate the money based on a mix of set and percentage figures, model the impact of future changes such as increases in power costs or getting another pet, and estimate at any time how much I have accrued for utility bills not yet received.

18 comments