u/One_Variety8261

“I’m looking for the easiest personal finance app. I don’t need a strict budget—I mainly want automatic transaction tracking and categorization across all my accounts. I also have purchases from Walmart, Costco, and Amazon that often include multiple categories (groceries, clothes, household items). How much manual work do you actually do with Monarch, Simplifi, Copilot, or YNAB after the initial setup? If you could start over today, what would you choose and why?”

“I’m looking for the easiest personal finance app. I don’t need a strict budget—I mainly want automatic transaction tracking and categorization across all my accounts. I also have purchases from Walmart, Costco, and Amazon that often include multiple categories (groceries, clothes, household items). How much manual work do you actually do with Monarch, Simplifi, Copilot, or YNAB after the initial setup? If you could start over today, what would you choose and why?”