![]() ![]() I liked seeing all of those repeating transactions in one place - but why not make that accessible from the Transactions screen itself?Īnother nice feature is the ability to add attachments, split payment categories, exclude an item from an income or spending report, and add notes to transactions. ![]() I can set recurrence to a transaction from the Transactions screen itself, and see recurring/repeating transactions for income, bills, subscriptions and transfers in Settings > Recurring. I could also manually add transactions, but that's probably a feature I wouldn't use consistently if I directly imported all transactions. I gave up renaming and re-categorizing past transactions after a few minutes. I couldn't bulk-update imported transactions by Payee like I can in YNAB, nor is there a Payee management feature which allows me to create naming rules and automatically assign a category to a Payee. Except when Simplifi couldn't categorize a transaction, or mis-categorized a transaction. For spending reports, having the transaction history was nice. Once a linked account is added, three months of previous transactions are imported. Disclaimer: I don't have a Capital One account, so YMMV. But linking is a major plus for many folks, and Simplifi was able to deliver - they were even able to link accounts like DriveSavvy, which YNAB has never been able to do. Thankfully, I can add accounts without linking them. Simplifi allows both linked and unlinked accounts. So, I decided to give Simplifi a shot - I signed up for a free trial.and promptly canceled my subscription, since it was set to automatically charge me after the trial. If income forecasting and seeing my spending after the fact was what I needed to effectively manage my personal finances, I would have stuck with Mint.) I used Mint for a few months before signing on with YNAB. (The more I look at it, the more it looks like an ad-free version of Mint. The website for Simplifi looks appealing - clean user interface, looks like it has a lot of different reports, and hey - direct import that probably works really well. While I manually enter my transactions in YNAB with direct import backup if available, I can understand why direct import would be a draw, and why people would feel cheated when it doesn't work properly in YNAB. I tried Simplifi (a personal finance app that touts account linking for the low price of $3.99/mo) after seeing the YNAB thread about it. Besides, YNAB has easily saved me enough money to pay for itself for the next 25-30 years. Saving $3/mo and being able to link all of my accounts is not worth giving up the functions and features I would lose switching from YNAB. If direct import is a critical feature for you, try it out. A good chunk of this post came from my first look at Simplifi found in this thread. ![]()
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