There hasn't been a good personal finance thread in awhile so I thought I'd start one. There's a whole host of good apps and web sites out there to manage your money, but to this day I still use my own spreadsheet to do the job? Anyone else do the same? I think there are a few reasons why I continue to do this even though it is almost certainly more work. Apps come and go and I'm hesitant to invest time to learn a new system that could be shut down or try to upsell me on something I don't want. There's a "black box" quality to a lot of these web sites where you plug numbers in and it returns results to you, but the assumptions or methodologies are hard to decipher. I want to see how they get from Point A to Point B, but often that is proprietary. Entering my own data, building my own budget, etc. forces me to engage with it in a way that a web site wouldn't. It's free; I pay a modest sum for a few version of Office every few years but that's it. There are a lot of decent finance templates out on the web too, but I've mostly just built my own. I've had a day-to-day financial management spreadsheet for 20+ years, but more recently I've built a college savings calculator/manager and I'm working on a retirement sheet. Ideas/tips/tricks welcome.