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Comment on Ask HN: How do you manage your personal budget?

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I have seen some suggestions but I haven't been able to find an app supporting the following, if anyone knows one app, please share:

- Works on the phone and on the computer.

- The data can be synced to a server which stores it encrypted by your password.

- Cheap or single payment.

While some comments are suggesting YNAB and it looks great, $12 is a bit expensive for a personal budget app, also, they encrypt their data on their servers instead of encrypting it with our password before uploading the data.

budgetwithbuckets.com also looks promising, I like the unlimited free trial and it's single payment model, but it doesn't have mobile apps, which makes not much difference than storing the data on excel.

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