| GnuCash can be a lot of work, but I've found worthwhile ways to use it. YMMV. I used GnuCash when I had a consulting business (including abusing the invoicing features for time-tracking), as well as for personal finances. Over the years, I keep experimenting with different ways to use it. At one point, I could even run a custom report to show how much I was saving by making coffee at home rather than picking up one each day. Eventually I kept simplifying, especially in Expense accounts, eventually only distinguishing transaction categories by tax implications. I also stopped recording each individual little cash transaction. Instead, I occasionally counted the cash in my wallet, and added an "Expenses:Misc." transaction to make it match what GnuCash thought (given ATM withdrawals the bank import showed). I never did figure out a practical way to track Guideline.com 401(k) in GnuCash, and, the instant I could close the account, I rolled it over to Fidelity. Where tracking the prices and every dividend reinvestment of my ITOT and AGG was easy and almost fun. I'm currently taking a break from GnuCash for 2022, seeing whether a fancy assets&liabilities spreadsheet in Libre Office would be better. (While still saving the monthly OFX/QFX exports from my financial accounts, while I can, in case I ever need them.) Initially, the spreadsheet seemed to do what I want with less effort, but I'm finding that GnuCash might actually be less effort in practice for the level of up-to-date and historical charting that I have. |