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Does Anyone Make Good PF Software?



September 23, 2009 – Comments (7)

I have been on MS Money for a while now, and I know it's going to go the way of the dodo. Also, it sucks, in many, many ways. About 2x per week I have to revert to a backup because, for some reason, it downloads hundreds of duplicate records and messes up my entire file.

I figured I would try a switch to Quicken, and doing that reminded me of why I left it in the first place. Not only did it hang and produce odd errors (out of memory? Really? with 3 gigs available and only one account entered so far?) but the UI is positively 1999.

I've liked what's available on, but mint is, to my knowledge, only reactionary. I can't set up recurring bills, deposits, etc. and have all of that reflected in a cash-flow projection (my favorite thing about money.) And with Mint, there are still some strange issues, such as one of my CC accounts which is a biz account with 2 cards. It originally treated these as 3 separate cards (producing duplicate records for every charge made) and now it has dropped one of these cards, but still somehow manages to produce duplicates (worse than before, because it's no longer a predictable set of dupes).

What are the rest of you using for PF software?

I don't think there's anything decent out there, and with MS exiting the biz and Intuit buying out Mint, I don't see the potential for much improvement in this space.

7 Comments – Post Your Own

#1) On September 23, 2009 at 11:25 AM, anticitrade (98.95) wrote:

I have also been dissastified with what is available.  I am working on creating a spreadsheet to automatically analyze investing portfolios and provide historical performance with benchmarking.  If I get something put together (and it doesn't suck) I will see if I can find a way to make it available.

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#2) On September 23, 2009 at 11:38 AM, farmnut1985 (< 20) wrote:

I work with excel also for my PF and book keeping.  Takes a little effort to set up the first time but is easily reused.  Also can write your own functions in vba for sorting data which is nice, again takes time.


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#3) On September 23, 2009 at 11:45 AM, ReadEmAnWeep (74.35) wrote:

There are also quick books and quicken products available. Haven't ever used them. They may be focused more towards business though.

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#4) On September 23, 2009 at 12:04 PM, Imperial1964 (95.65) wrote:

I don't really track my personal finances because I keep them simple. I cut my recurring bills down to a minimum.  I take a certain amount out of checking each month to invest, usually before I spend money on anything else.  I try to pay all my bills the day before payday to give myself a little cushion in case I overspend a little.

And so long as I can meet these goals I spend as I see fit.  Do I want to save a little more toward that new drill press or do I want to go out to eat?

I know I'm slightly off-topic, but financial simplicity is what works best for me.


I track my investments with Excel.  As farmnut said, it takes a little time to set up, but it suits my needs very well.

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#5) On September 23, 2009 at 1:19 PM, borisvolodnikov (72.01) wrote:

I use an application called SplashMoney. It is very simplistic, and it's meant to be syncronized with a mobile device (though this isn't required). I use it instead of carrying and balancing a checkbook.

It is a curious problem that there isn't something better out there. What sort of features make a good PF application? I am a software developer, maybe I'll get bored and make something good.

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#6) On September 23, 2009 at 2:52 PM, EverydayInvestor (< 20) wrote:

The reason there isn't something better is because it is not a huge niche. Quicken and Money haven't really had important (to me at least) new features in the last 8 years. Intuit gets only a few % of its revenues from Quicken.

Quicken still works for me, although it is way slow when downloading stock trades (I have maybe a couple dozen per day). I have 15 different accounts and it is okay with that. Downloading info works.

Unfortunately the online programs aren't as fully-featured yet. BTW, Mint was just bought by Intuit.

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#7) On November 03, 2009 at 5:05 PM, Banjolicious (< 20) wrote:

I too am looking for a replacement for MSMoney since mine has quit auto downloading accounts this month. Check out the article(s) Replacing Microsoft Money at TheFinaceBuff for some comparisons of available packages, and perhaps more importantly, a method to make MSMoney keep working for a while using scripts.

I don't particularly need software to balance my checking acct. What I like about MSMoney is the stock portfolio tracking and reporting features. Pesky details like total return on dividend paying stocks, best performers across multiple accounts, and adjusted cost basis across splits are hard to come by.

Intuit buying out is the death knell for mint IMO

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