I record all my spending manually with Expense Manager [ https://play.google.com/store/apps/details?id=at.markushi.ex... ] Dead simple. Add an amount, give it a category, add a note (optional). See trends, exports to excel. Every attempt to use mint, level, etc has resulted in confusing duplicated entires or entries that don't show up until I've forgotten what they are.

This is perfect. I have one of those phone case/wallet combos and cards are right there with the phone so I can quickly enter purchases.

Thanks!

Every month i create a file (e.g. 201605.csv for May 2016) where I write date, description, amount and category, manually, using whatever editor I have at hand. The files reside on Dropbox so I can also update these via smartphone when needed. And I wrote (like 15 years ago?) a very simple Perl script that pointed at csv files will summarize expenses and income by category, and provide totals (along as percentages, i.e. stuff like

"BOOKS: 23.75 / 0.31% of total monthly expenses"

That's all. Being .csv it can be manually updated, ported wherever I can run Perl, imported in Excel or in any DB I may care for etc. If I want to run analysis I can paste together all the files and run R on these etc. etc. etc.

I have maybe 20 categories, so it's easy to assign to them and I don't have to agonize for hours about how to tag any non-recurring expenses.

This has proven to be enough for me. YMMV, of course.

Simple does it: https://www.simple.com/

It's a bit of a hassle to switch since you need to set up direct deposit and wire your money over from your existing bank. Once you've done this though if you use the debit card for purchases everything is tracked with nice graphs and decent software.

Downsides:

- No branches, it's a bit of a pain to get a cashier's check on short notice.

- Can't use rewards credit card if you want to actually take advantage of it.

I find the automated data collection and graphs is worth the 2% 'cost' of not using a rewards credit card.

For me I don't think that would work, manually handling the receipts and entering them in a program is part of the process of understanding my spending.

>> I really wished there were that did it with this level of simplicity.

The desktop version of YNAB was pretty much like this.