To my way of thinking, Quicken is overrated. There are too many features that most Mac users don’t use. What’s needed for most of us is a simple approach to money.
A digital checkbook. Make that a digital checkbook that works on my Mac and on my phone and syncs back and forth. Oh, and make that a digital checkbook that understand that a checkbook is complicated, so it needs to be simple.
Write Checks, Balance Checkbook Instantly
For most of my adult life I took a unique approach to balancing my check book. I didn’t. I’d use a checking account for a year, and when the checkbook got messy, I’d open up another account at another bank.
Then, when statements from the previous checking account were the same for three months in a row, I’d close the account.
Hey, it’s unorthodox, but it works. Maybe it’s a guy thing. Maybe I just don’t have enough money to worry about.
In recent years I’ve chewed through Quicken and Money and MoneyWell and Buddi and other Mac money management apps of renown, and learned two things.
Simple is better, so I go for simple checkbook apps. Mobility is better, so I want an app that is both Mac and iPhone. That’s PocketMoney.
No bells, no whistles, no manual, no This App For Dummies book. Just an app that tracks my checks, balances my checking account, handles a little budgeting, and—drum roll, pleas—also syncs up to the same app on my phone.
The Mac app version looks like this. A checkbook with tabs.
Set up accounts. Enter a transaction. Balance occurs automatically. There are options multiple accounts, some reports so you can see where the money went.
About the only whistle or bell is an option to add a photo to a transaction. Amazingly, this is handy. Sometimes I buy something and forget what or where. A photo acts as a reminder receipt.
PocketMoney also has an iPhone version with similar features.
Despite my desire for simplicity, PocketMoney also handles credit card, checking, and savings accounts. It does autocomplete (be careful using that) when entering text.
I’ve been able to use the splits and transfers functions to clean up a few messes I made. Budgets can be set up for both income and expense, and reconciling is easy to manage.
The sync between Mac and iPhone (or Android, Windows PC, or Linux PC) is WiFi only. A Dropbox feature would be a nice add-on. Otherwise, not bad, but the iPhone and iPad version is far less expensive than the Mac version.