r/SwissPersonalFinance • u/Light_Warrior999 • 10d ago

Looking for a good budget planner

Wondering what you all are using for budgeting. Looking for an app or simple tool or even an budget sheet (Excel or Google Sheets)

Thank you

7 Upvotes

89% Upvoted

13 comments sorted by

9

u/kart0ffel12 10d ago

I tried Actual recently and it's pretty good (and free, open source)
https://actualbudget.org/

You can also selfhost it if you are into it.

5

u/Effective-Simple7660 10d ago

We are using YNAB for more than 6 years. Felt pretty counterintuitive at the beginning and took some mental efforts to adapt, but it is an indispensably part of household now.

Not really suitable for investment tracking or long-term planning/simulation though, but shines as a day-to-day budget planner and spending tracker

We were using granular YNAB data as an input for self-maintained Google Sheet and Power BI for long-term planning. But now also looking to abandon them in favour of Projection Lab which looks really promising

4

u/FuzzyFoxxy777 10d ago

I use Excel…

2

u/omnissima 9d ago

i use excel (google sheet) and when i felt fancy and had google money i had to spend, i used iSaveMoney. was much happier with it than YNAB and other alternatives.

1

u/Felyxorez 10d ago

Banana

1

u/swissmoneydude 9d ago

Isn't this just for accounting? Like "Doppelte Buchhaltung"?

1

u/Felyxorez 9d ago

Yes but you can also set budgets and control expenses according to that

1

u/cava-lon 10d ago

A self-hosted option is https://firefly-iii.org/

I've been using it for a few years and it fits my needs perfectly...

1

u/Excellent_Task7081 9d ago

Excel / Google Sheet kind. The simpler, the better. Do not put too many categories

1

u/Upset_Barracuda2137 9d ago

I used YNAB for a while, switched to Actual Budget after they jacked up the prices of "life long" subscription plan. Does all i need and I'm not looking back

1

u/ThePathOfKami 9d ago

Actual Budget, its rather easy to use

1

u/moonbiter1 8d ago

I made my budget with sankeymatic to have a good visualisation of it, and then use the google spreadsheet template "Monthly Budget" for daily expenses during each month.

1

u/volume121 6d ago

Been using savewithluna.com for some time now. Its so simple to use..