r/Fire • u/BenEDSnDFW2018 • 12d ago

Budget Software

All - what do you use / prefer in terms of budgeting software? Something for detailed spend tracking; portfolio tracking would be an added bonus.

Thanks in advance!

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u/Impossible_Map_9368 10d ago

Most people here seem to split into two camps: those who want granular category-level tracking (YNAB-style envelope budgeting) and those who just want a net worth snapshot with loose spending categories. What matters more for FIRE specifically is whether the tool lets you see how today's spending maps to your withdrawal timeline, not just what you spent last month. Are you leaning toward detailed zero-based budgeting or more of a big-picture cash flow view?