Green Sherpa

Yesturday I found an interesting personal finance management online service - Green Sherpa.
I had been looking for a PFM which would provide planning tools. And Green Sherpa turned out to be one of them.

Despite negative view in Prosper Lending Review, I decided to give it a try:

The promised functionality looked to be available but oops! The controls in the planning module, "Add" (planned amount) buttons in Cash Flow Projection page, did not function. It seems that Green Sherpa overlooked a bug in the module I needed mostly...

So I'm looking further for other tools...

Personal Finance Management software comparison

A couple of days ago I returned to my old plans to make use of up-to-date financial management software. Last year Microsof declare discontinueing MS Money. So, I had to research the market of the like soft.

There two major streams in the field as described in an eHow articl by Maxwell Payne: old good desktop applications and new, most often, WEB 2.0 style, web applications available online. I chosen on-line.

Of course wikies was the most complete source of available choices: the review below is based on its Comparison of personal financial management software.

After filtering only free web based applications which are available internationally (at least as the wiki says) the following list remained:

1. Budgetpulse
2. Manubia
3. Meniga
   
4. MoneyRight
5. moneyStrands
6. MoneyTrackin'
7. Onyem
8. PennyTrac
9. PersonalAccountingSoftware
10. Rudder
11. Thrive
12. Wehuhu
13. Wesabe
14. Winancial
15. Yodlee MoneyCenter

In the wikie all they are qualified either as international or have not this attribute set at all.

The functionality I need is

1. Ability to have an account for a bank which is not supported for automatic transaction download. There is a big number of banks, especially this regards USA, Canada, Western Europe etc, which support this. In other parts the world however there is a bigger number of banks that DO NOT provide such service.
   
2. Ability to have cash accounts.
3. Ability to having repeating payments / planned payments.
   
4. Ability to plan finances. That is ability to graphically view future states, the data being based on the registered planned payments.

So, by its order:
1. Budgetpulse:
Overall the impression is good although planning finances turned to be not possible. (I'm afraid such a functionality is rare).
Requerement #1 - passed. Req. #2 - passed. Req.3 - passed. Req. #4 - failed because charts do not include planned (repeating) transactions.

2. Manubia:
Since I can not make any use of it I give this system 0 points of 10. I only speak English, German, Russian and Lithuanian. Regretably Manubia is in Portuguese only. So I would not consider this system an international at all.

3. Meniga:
It is not international: "Meniga is still in beta and, for now, only registered users of Íslandsbanki’s online bank can sign up" was declared on its registration page.

4. MoneyRight
I could not even sign up due to, maybe, some bug ever invalidating my zip code.

5. moneyStrands
Recurring transactions are not supported.

6. MoneyTrackin'
No analisys tools at all.

7. Onyem
I have not tried this because its tour shows only analisys of the past but nothing about the future.

8. PennyTrac
The industrial niche of this system is not transaction tracking etc... It's more for investors...

9. PersonalAccountingSoftware
It turned out to be windows based software (an error in wikipedia). Wikipedia entry updated.

10. Rudder
Does not support cash accounts

11. Thrive
Does not support cash accounts

12. Wehuhu
Meets all the abovementioned functional requirements while the system crashed after 10 or so operations.

13. Wesabe
Recurring transactions are not supported

14. Winancial
This is single language system. You can use it neither in English.

15. Yodlee MoneyCenter
Has only 10 predefined currencies. Mine is absent in the list.

Thus... there is no single suitable system. At least a free one.