Being able to track a recurring expense is a feature that Toshl Finance does offer. The tradeoff is that Toshl isn’t as slick, and has a heavier slant on budgeting, which was not something I was looking for. I find expense tracking to be a good financial exercise, but I’m not big on budgeting, which feels restrictive. As long as I don’t overspend and have a clear picture of how much I’m spending, I don’t feel the need to budget.
But for budgeters, Toshl Finance has many convenient options. There are options to budget by category (for example, a $200 monthly budget on groceries) and to budget by timespan ($50 for all expenses for the week). There’s even the option to let any unused money in a budget to roll over to the next week or month.
There’s greater flexibility with categorizing within Toshl: you can create all the categories to your heart’s content, though some users may prefer a preset number of choices.
The app for Toshl is free, but Toshl offers both free and pro accounts. With a pro account, there are options to export your financial data in more formats, as well as more budgeting options. It is currently priced at $1.99 monthly or $19.99 for the year.
Toshl is available on the web for both account types, in a similar way that users can access Mint via web or app. You can view expenses by month and by tag in charts that are nicely-designed and easy to interact with.