08/26/19-Love it!!!!
Well here is an update. This app gets better and better. I tried the import function and it went flawlessly. I am impressed at how easy and the control I had over it. I simply created a csv download from my capital one credit card (full site, doesn’t work in the app). This created a sheet in safari. Then hit the share icon and selected Cost Track. From their it allows you to select the trx date, debit and credit amounts, cost sheet, comment etc. Of course the comment in Capone doesn’t match your categories so I simply put them all to a miscellanies account then changed them.
By importing it into Numbers you can change the description etc. then shared that file into Cost Track and this was much easier since it allowed me to edit the description and a few other items before import. Still hands down the best financial/budgeting app in the App Store. I have tried most all them.
01/12/19 They have now added the ability to split expenses once you have entered the full amount into one account then you can slide and split it as many ways as you want. I have used it for a year now and love it. I track both credit card purchases and bank debit card purchases. I have it setup to automatically enter my income every month on certain days. Granted we are retired with a fixed income from 4 different sources. It does a magnificent job. Can’t say enough about this app. Best one out there for truly tracking income and expenses.
03-06-18 My budget amounts which I allocate to each category every two weeks it set up in a separate cost sheet. By making it recurring it automatically is included in my overall budget whenever that two week period comes around. I can even change the budget amount and it will include the correct amount for the upcoming two week budget period. Isn’t that amazing.
02-22-18 Now that I have used this app for a while I don’t believe there is a better budgeting app for IOS. This is amazing. The more I use it and learn all that it will do I am just astounded. I have been budgeting on a spreadsheet for 40 years and this is the only app that will do everything I want it to do. Not being able to split entries (I have a nice work around and it doesn’t happen that often) this is perfect. It syncs so I enter everything on my iPad using split screen with this app on one side and my credit card or bank account on the other side. Works beautifully. Then just sync and there it is on my iPhone which I carry all the time. Checking balances is a whiz. Once you learn it you will never use anything else. Please keep this up going.
02-13-18 - One thing that would be useful is the ability to split expenses but this is not a deal breaker. I just hope 2 things, 1 that when it will sync a year or 2 of data without bombing out, 2 will this app continue to be supported instead of dropping off like so many others I have had but finally just went away.
02-01-18 I am back again. The only weakness currently is not allowing one entry to be split between to budget accounts. You have to make multiple entries to split the store bill between accounts and that is something I do quit often. Not a deal breaker but it takes longer to enter transactions. SO FAR I LIKE IT A LOT. The sync using DropBox works flawlessly. I wish it would do it through iCloud. But setting up the Dropbox account was pretty easy. Now lets see if they keep the app updated for future releases of IOS. If not that will be a bummer since it will become useless over time like some other great apps I have loved but have gone by the wayside.
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02-06-18 Been doing a home budget for 40 years which I originally started on 13 column accounting paper and eventually transitioned to a spreadsheet (currently Excel). I have never found a budgeting program that makes it possible to do the same thing I do in Excel. This is the first on to even come close. With a little creativity and some fine tuning I think it is going to work thus the reason for only 4 stars. If it works I will change it to 5 stars.
Now a little about how I budget. My Excel spreadsheet has 44 columns for difference categories of expenses and around 350 rows at which point I start a new spreadsheet. I enter one check/credit card/debit card transaction per row (this allows my to split a single expenditure into multiple expense categories if needed). When I receive income whether wages or other it is entered onto one single row into the category it belongs to. My wages are split up between all expense categories to match against the expenses in that column. The total at the bottom is my balance I have to spend in the category. The total of all balances matches my check register.
Credit card expenses are entered into the category they belong to and then the exact opposite amount usually positive goes into a category called credit card then when the credit card payment is made it comes out of the credit card column (this way the expense has already been recorded).
This app allows me to allocate income/wages to the expense categories and also enter my expense into the categories as well. INCOME IS ENTERED POSITIVE AND EXPENSES NEGATIVE. Thus a positive balance is good and a negative one not so good. This also allows you to transfer funds between accounts if on is to high and another to low.
I created 4 cost centers. One for expense entries, one for allocation which is recurring every two weeks and one for income which is recurring monthly/biweekly. By doing this and combining balances in the cost funds and making the allocation and income accounts recurring I can, with very little adjustment, keep a running balance of each budget category and have it with me on my iPhone wherever I go.
The test will be this Friday when my first recurring allocation and one income happen on the same day. We will see if it matches my spreadsheet. If so yahoo I can not carry it with me and do away with my paper copy which only had the balances on it for each budget category.
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