Can a spreadsheet software (excel, apple numbers, etc) be better than using one of those budgeting apps? Thoughts?

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They are virtually the same* - an spreadsheet will give you more versatility, but you give you more work

* unless you're a U/VHNWI, but if you are you're not opening excel

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Agreed. I feel spreadsheets are more secure as well.

Budgeting is pretty straightforward so you probably don’t need an app. and you can build a fairly sophisticated tool in excel if you want special features like notifications or integrations using zapier - and the new AI plug in to help

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Yes, it can! I have our taxes all calculated into our budget. I haven't heard any budget apps doing that. I know roughly how much we'll be paying in during tax time.

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