Finance

What HN commenters recommend, ranked by distinct recommenders. Under each: what people praise most and the most common caveat, or the strongest quote where there is no summary yet.

1. 1.
   hledger · 5 recommenders
   Loved for Replaces GnuCash, Import automation · Caveat No GUI
2. 2.
   beancount · 5 recommenders · 1 warns
   Loved for Plain-text files, AI agent friendly · Caveat Large ledgers
3. 3.
   Mercury · 4 recommenders
   I recommend Mercury (no affiliation, just a happy customer)
4. 4.
   YNAB · 4 recommenders · 1 warns
   I've been using You Need a Budget for well over a decade, and it is probably the last subscription I'd ever give up.
5. 5.
   Actual Budget · 4 recommenders
   Now I'm on Actual Budget, a nice FOSS envelope budget app that can import transactions from my bank.
6. 6.
   Wise · 3 recommenders
   I use Wise often to move money between USD, EUR, and AUD, and it plugs right into my US credit union and brokerage accounts.
7. 7.
   Wealthfolio · 3 recommenders
   for someone who moves investments more frequently, Wealthfolio looks awesome.
8. 8.
   GnuCash · 3 recommenders · 2 warn
   It is a perfect replacement for MS Money and and has many excellent features.