Any Decent Versions of Free Home Budgeting Software?

[Nightwatchman9270]

I don't mind buying a product but I'm not interested in subscriptions.  In the old days I could buy Quicken books for $40
I would also like to be able bundle in retirement planning and needed investment returns as well but obviously I can do that part with my brokerage accounts.

[Sibley]

Quicken will still work, but the online interfaces will not. You'd have to enter manually or probably could download and upload manually. Beyond that I'm not familiar with what's available.

[Morning Glory]

I still like Mint for simply tracking spending. Even if the categorization isn't perfect it gives a good overview.  I've heard Personal Capital mentioned a lot on here too.

If you want to do a "cash envelope " style budget system only without the physical envelopes there is one called Every Dollar. It is owned by Dave Ramsey but you don't have to tell him you are using those evil credit cards.

[aimlesstourist]

You could use Buckets budgeting software. It has a paid version but the trial is essentially free indefinitely and acts like YNAB 4

[jnw]

I use Gnucash.  Free and fully featured double entry bookkeeping software.  I think it's great for personal finance as well. (To me it's much better than Quick Books, which I tried in the past- - for my small used items reselling business on ebay --and didn't like.. Gnucash is more customizable and accurate IMO.)

For investment integration, I manually adjust unrealized capital gains (or losses) once per month in gnucash with an equity adjustment, using a brokerage sub-account called "Unrealized Capital Gains".  e.g. account tree:

Assets:Investments:Brokerages:Vanguard
    Assets:Investments:Brokerages:Vanguard:Settlement (VFMXX)
    Assets:Investments:Brokerages:Vanguard:VTI
    Assets:Investments:Brokerages:Vanguard:SGOV
    Assets:Investments:Brokerages:Vanguard:Unrealized Capital Gains

and also have the Equity account:
Equity:Unrealized Capital Gains

EDIT:  I just made this post about some Gnucash settings I use to make it behave properly for double entry bookkeeping:
https://forum.mrmoneymustache.com/welcome-to-the-forum/my-gnucash-preferences-settings/

[sparkytheop]

Zer0 or Aspire Budgeting is my next stop if my old version YNAB permanently dies (I've been able to fix any glitches so far).  I'm hoping I'll no longer need that kind of granular budget soon though (it's been helpful for achieving some pretty great things, but I like my old style of "save $x first, keep an eye on balances, and if the checking account balance goes too low I either overspent or had a large bill" better.)