I have tried Mint, Personal Capital, GNUCash, and probably a few others, and I seem to have settled on Tiller. Basically, I like the convenience of automatically pulling in transactions and balances, but I like retaining control of the budgeting process.
I know there are a ton of others out there, so let’s post our favorites and a short explanation of what makes them great.
I’m with you, the spreadsheet keeps track of how the month should go. I do use an app called MoneyWiz to track everything manually so I can see certain categories that aren’t super consistent (groceries/gas).