Apps are convenient; spreadsheets are private, flexible, and paid once. Here’s the honest scorecard.
One-time payment of $10–30 vs $5–15 every month, forever.
Your bank credentials stay yours. No aggregators, no data resale.
Bank sync and auto-categorization save minutes every week.
Start with a spreadsheet. Add an app only if you keep quitting manual updates. Our top picks: Budget Spreadsheets.