I've read through some past threads, but I'm curious to know what folks are using now.
The particulars:
I'm looking for software that I can use to track spending. Tracking income and net worth is also fine but not the priority. Similarly, I'm not really concerned with setting a budget. We're very closer to our FIRE number, but we recently moved from the US to Canada so I want to get an accurate picture of what our actual expenses are. Historically, I have never been a budgeter -- I've always viewed one of the perks of living well within our means as not having to budget. :) As FIRE approaches and we're in a new living situation, I realize that I need to bite the bullet and really track things.
Because of the aforementioned move, I need something that handles multiple currencies. I'd like something I can import to, and I'd prefer something that isn't cloud-based (although that isn't a dealbreaker) and isn't subscription-based (I want to pay a one-time fee, if anything).
I downloaded and started to use homebank (
http://homebank.free.fr/en/) and I like it pretty well. I feel like it's reporting is kind of limited, but I may just export to Excel.
I'm going to look at GnuCash. And I might try trial versions of Quicken or YNAB, but I don't like the subscription model, and it seems like historical spending isn't YNAB's strong suit. I use personal capital for net worth (combine with Excel, now that we have multiple currencies) and I've used Mint but it doesn't seem to handle two currencies well. I'm very comfortable with databases, and I don't really care if it's pretty, and I'd rather do monthly (or so) imports than track things with a mobile app.
Thanks for your help, and if you have any questions please don't hesitate to ask.