I need something that lets me make multiple categories (ie, “gas,” “groceries,” etc) and add and subtract money from those individual categories. I don’t need graphs/charts/rollover/bells&whistles. (Though don’t care if they’re there.) But I do need it to be able to either be synced between Apple/android or accessed from the internet. Is there anyway to do this that’s not Google sheets?
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Just find a good credit union and open an account with them. Then you can open checking accounts for all your categories and label them. When you get paid you transfer money from your main account into each category account. When you need to spend money you transfer the money into an account with a debit card. Super easy and reliable.
Using multiple accounts (as suggested here) has made a huge difference in my budgeting. A credit union works, or I use Ally and love it. Basically any bank that offers truly no-fee checking will work. I have a debit card for each of my Ally accounts and put a little sticker on each (e.g. a dog for my pet supply/health account debit card, a car for my gas/car maintenance car, you get the idea) to tell them apart. Makes it super easy
I use the bucket feature in Ally instead of having several separate accounts. I love it x10000000!
That’s a great feature! I had a hard time using it in connection with my budgets for frequent purchases, but I definitely use it to track my savings goals!