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I use moneydance and log all transactions. I can report on anything, my data file is perpetual, and there’s no monthly fee.

I used to use YNAB and tried Mint, but I don’t want to pay a monthly fee. YNAB is cheap ($5/month) but it was just a spreadsheet with categories and I expect I’ll need this info forever so $60/year x 50 years adds up.

I have 13 years of data and it’s useful for taxes, business disputes, planning, long term budgeting, and backup/restore.




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