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When I budgeted I liked YNAB4 for ease of use etc. However I think a lot of budget programs miss the point. In ordinary life it is harder to bucket budget than in business. Too many unexpected expenses.

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Thanks for your reply. Yes, it is hard to maintain each and every expense. But at least for large expenses like home loan, credit final payment amount(Grocery amount will comes under it), utility bills, gym etc.

Some kind of AI to guess what category is for each expense would be helpful. For the bigger stuff there will be a 1-1 correspondence of payee to expense. However when you go to a supermarket it could be a mix, given then supermarkets kind of sell everything from clothes to computers. So working those out would be helpful.

It would be helpful if receipts were emailed to you by stores and can be parsed later - although there is no pressure on stores to provide such a service I guess.

That would be an interesting service of AI to categorize expenditure.

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