Multi-user, non-US personal finance and budget software
"My wife and I have been ridiculously happy with YNAB. It's not ""online,"" but syncs across our phones & computers using Dropbox. It supposedly supports different locales and currencies, but I have never needed to try that out." I know exactly what you are talking about. You may like
Personally I solve this by saving enough liquid capital (aka checking and savings) to cover pretty much everything for six months. But this is a bad habit. A better approach is to use budget tracking software to make virtual savings accounts and place payments every paycheck into them, in step with your budget. The biggest challenge you'll likely face is the initial implementation; if you're saving up for a semi-annual car insurance premium and you've got two months left, that's gonna make things difficult. In the best case scenario you already have a savings account, which you reapportion among your various lumpy expenses. This does mean you need to plan when it is you will actually buy that shiny new Macbook Pro, and stick to it for a number of months. Much more difficult than buying on credit. Especially since these retailers hate dealing in cash. Here's a link with comparison of various online and offline PF software: http://personalfinancesoftwarereviews.com/compare-personal-finance-software/ "I've recommended this book a few times on this site, and I'm going to do it again. Get a Financial Life: Personal Finance in Your Twenties and Thirties by Beth Kobliner  Most of the personal finance advice books and blogs I have found focus too much on investing, or are more about ""lifestyle"" than finances, and left me unimpressed.  I like this book because it covers most of the major personal finance topics (budgets, rainy-day fund, insurance, retirement, and non-retirement investment).  I have not found another book that covers the topics as concisely as this one. It is no-nonsense, very light reading.  Even if you are not a book person, you can finish it in a weekend.  It is really geared for the young person starting their career. Not the most current book (pre real-estate boom), but the advice is still sound. Keep in mind that is is starting point, not the ultimate answer to all financial questions." I generally concur with your sentiments. mint.com has 'hack me' written all over it.  I know of two major open source tools for accounting: GNUCash and LedgerSMB. I use GNUCash, which comes close to meeting your needs: The 2.4 series introduced SQL DB support; mysql, postgres and sqlite are all supported. I migrated to sqlite to see how the schema looked and ran, the conclusion was that it runs fine but writing direct sql queries is probably beyond me. I may move it to postgres in the future, just so I can write some decent reports. Note that while it uses HTML for reporting, there is no no web frontend. It still requires a client, and is not multi-user safe. But it's probably about the closest to what you what that still falls under the heading of 'personal finance'. A fork of SQL Ledger, this is postgreSQL only but does have a web frontend. All the open source finance webapps I've found are designed for small to medium busineses. I believe it should meet your needs, though I've never used it. It might be overkill and difficult to use for your limited purposes though. I know one or two people in the regional LUG use LedgerSMB, but I really don't need invoicing and paystubs. I like using Mint.com to track my expenses.  It makes it very easy to watch my budget and monitor my spending. Dwolla looks to be a great option. But it requires users to have an account there (Free to sign up). And there rates are absolutely amazing.  Free for transactions under $10 $0.25 to receive money on transactions over $10 Um  really, you expect US to know the answer?  Why not ask Wells Fargo? Unless someone here happens to work for WF and has access to the right people, this is more likely a question to send to their support people than to get an answer here that is anything other than a SWAG   (and in that line of reasoning, and as a software tester by trade, my money is on the already offered reasoning that it's doing some kind of primative 'bad word' search (probably a regular expression match) and getting a hit on tit.  ) In the meantime I suggest an alternative term, how about 'offering' "Since this is a cooperative I'm guessing your partners may want to be able to view the books so another key point you may want to consider is collaboration.  QuickBooks desktop has all of these same issues because it is meant to be used on a single desktop. We're in an age of mobile devices, and especially in a business like landscaping it would be nice if certain aspects of record keeping could be done at the point and time where they are incurred.  I'd argue you want a Software as a Service (SaaS) accounting package as opposed to ""accounting software"" which might come on a CD in the form of QuickBooks, Sage and others. Additionally, most of these will also have guides to help make sure you are properly entering your records. Most of these SaaS products also have customer success teams to help you along should you need assistance. Depending on the level of your subscription you may get more sophisticated handling of taxes, customized invoices or integrated payroll. Your goal is to keep accurate records so you can better run your business and maintain obligations like filing taxes. You're not keeping the records just to have them. Keep them in a place where they will work for you and provide the insights and functionality that will help your business grow and become successful. Accounting software will always win in this scenario over a spreadsheet. FULL DISCLAIMER: I work for Kashoo, a simple cloud accounting product designed for small businesses. But the points I mention above are true for Xero, QuickBooks Online and Wave as well as Kashoo. And if you really want expertise to go with the actual software consider service providers with a platform like: Indinero, Bench, easyrecordbooks or Liberty Accounting."