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FOBIE.ai

See where my money actually goes

You know roughly what came in. Where it went is a fog of subscriptions, fuel and materials. This job is about a picture you can act on, monthly, without becoming a bookkeeper.

What a good result looks like

Use this to judge a demo. A tool that cannot do these is not doing the job, whatever it is called.

  • It categorises spending in a way you recognise, and learns your corrections.
  • It shows the trend, not just the month.
  • It finds the subscriptions you forgot about.
  • It answers questions in words, not just charts.

What usually goes wrong

The things people find out after they have paid.

  • Automatic categorisation is confidently wrong often enough that an unchecked report will mislead you.
  • This needs read access to bank or accounting data. Understand exactly what is shared and with whom.
  • A forecast built from four months of data is a guess with a graph on it.

2 tools that do this

How this list is ordered — and why money is not one of the reasons
  1. 1. How squarely the tool does this job. A tool built for this job comes before one that can be made to do it. A tool that needs wiring up comes last.
  2. 2. How much we actually know about it. A tool we have used ourselves comes before one we have only researched, which comes before one only a reader has written in about, which comes before one nobody has assessed. A tool low on this list is not bad. It is unknown.
  3. 3. How technical you need to be. Where the first two signals tie, the one a non-technical person can set up alone comes first. This site is for people who are not going to write code.
  4. 4. How recently we checked the listing. A listing we checked last month is worth more to you than one we checked last year, so it breaks the remaining ties. Listings we have never checked come last.

Nothing commercial appears on that list, and nothing commercial is given to the code that orders it. How we make money, and how you can check.

  1. QuickBooks Online

    by Intuit

    Same job as Xero; which one suits depends mostly on what your accountant uses.

    Built for thisListed, not reviewedSome setting up

  2. Xero

    by Xero

    The picture it gives you is only as good as the categorising, but it is the picture.

    Built for thisListed, not reviewedSome setting up

Reviews against this job

Listed, not reviewedIt is in the directory. Nobody here has assessed it yet.

Nobody here has assessed any of these tools against this job yet. The listings above describe what each one is sold to do and how squarely it fits — which is real information — but none of it is a verdict, and this page does not pretend otherwise.

Used one of these for this job? Tell us what happened — reader reports are published as reader reports, in your words, clearly labelled.

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