I have a license to YNAB 4 classic, which is the one-off software, not the new online subscription. Does anyone know if it works with syncforynab.com? I've been entering my transactions manually until now, but would love to have them imported automatically. YNAB is a budgeting software designed to help you save more and pay down debt. The company started out more humbly as a project for husband and wife team, Jesse and Julie, to pay for food, shelter, and books while in college. Jesse developed a four-point system to help the couple manage their finances.
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#1 Acorns – Invest Spare Change
Acorns – Invest Spare Change has made it simple and secure to invest the spare in your future. In fact, there is a community of more than 2 million people doing it in an intuitive way. It enables painless investment of your spare change into a diversified portfolio of the ETFs of more than 7,000 stocks and bonds automatically. It enables its worldwide users to invest more with precision and security with its recurring investments, referrals, found money, and one-time investment. You can properly maintain the workflow by watching the progress because of its utility to check in for your account from anywhere in the world having this app on your mobile phone. Rather than these, Acorns – Invest Spare Change enables SIPC protection through which almost $500,000 is protected against fraud that is the reason your money is so secure and protected on this platform. It also lets you stay educated and gain access to its online personal finance publication. It also enables fearless withdrawal without any charge. Hence Acorns – Invest Spare Change is one of the most trusted and intelligent financial app present in the universe.
#2 Stash: Invest. Learn. Save.
Stash: Invest. Learn. Save. is an effective platform that simplifies investing, saving, and retirement. It enables you to start it by investing just $5 and learn as you go. It is an outstanding platform that helps you to turn on smart save to make effortless savings. It is a saving genius app that automatically puts away the right amount for you. You can choose to invest them or make all your savings to earn interests. This app brings an outstanding platform for saving money in a damn innovative way. There are a huge number of features of Stash: Invest. Learn. Save app that enables you to become an investor and all you need is just five dollars. This amazing platform lets you invest in themes so that you can create a balanced portfolio that reflects you. Apart from that, its financial education elaborate that learns how to invest with Stash. Its educational content will lead you to develop smarter financial habits by providing simple investment and saving tips for its users to become a confident investor. It lets you built your retirement and protected your money in one of the most protected atmospheres.
#3 Betterment
Betterment is a powerful finance related app that brings an awesome financial advisor with a purpose to let you make the most of your money. This app is efficiently taking proven investment strategies and user intuitive and modern technology to provide them to all investors. It genuinely helps you makes money in one of the most handy and finest way. It makes tailored recommendations on the decisions like how much risk to be taken into your portfolio and then precisely invest your money in the globally diversified portfolio along with the low-cost ETFs and enables low taxes in the way that many traditional investment services cannot match. It lets you seek higher returns through the globally diversified portfolios, automated portfolio management, and tax-efficient investing plans such as asset location and tax loss harvesting, etc. This is the finest app to secure probably the best investing experience by syncing your external investment, customer support plans, and access to the licensed financial experts for all customers anywhere, anytime. It lets you invest and safe stuff with transparency along with the robust integration of low-fee funds, low-cost, and without any rebalancing fees and additional trading.
#4 Qapital: Save Small Live Large
Qapital: Save Small Live Large is a classy stuff that helps you save money for what you want, spend less on crap that you do not need, and way new kind of checking account designed to help you save. You can efficiently set goals and track your progress by seeing your savings grow every step of the way. It allows you to build a saving recipe by letting your everyday activities trigger small deposits on the way to your set goals. You can even send and receive money in no time and get cash out whenever you want using this elegant app on your smartphones. It delivers a new way to bank that makes it so handy to save money for stuff that matters to you a lot. Its motive is to approach your saving and checking accounts for making sure a smart money management technique more effortless and motivating. It is a superb app that helped you out with budgeting for trips, hangouts, and for larger items precisely.
#5 Credit Karma
Credit Karma is a pretty straightforward app that helps you to make the most of your money in a quite handy way. There are millions of people trust this app for the delivery of its free credit scores, reports, and monitoring. It helps people getting the most out of their money by managing their online money transfers in the most sensible way. Credit Karma provides a secure way by delivering the free credit card monitoring alerts that can help you spot suspicious activates regarding your money transactions, and you can use direct disputes of you to discover any error on your TransUnion report. It professionally keeps all of your reported accounts in one place for an easy tracking so that you can easily manage things with simple taps. You can keep your eye on the information regarding your credit stuff with the ID monitoring, by checking out personal recommendations, and more. You can log in anytime to this app for check score integration. Credit Karma efficiently spot potential ID theft, search state database, monitor your reports, lets you review credit tips, and a lot more.
#6 Monzo Bank
Monzo Bank is a smart bank in your pocket. It intends to bring a smart banking experience right through your mobile phone. It delivers instant payment notifications for assuring the security at the new level. Through this app, you can get useful transactions data through which you can monitor each of your transaction right on your mobile phone. It helps you send or receive money for free in no time. It consists of a damn modern community of 400,000 people all across more than 180 countries who want to get the ease of getting credit related stuff through their mobile phones and become the part of banking revolution. You just have to open an account or put your existing one for putting Monzo Bank app at the heart of your financial life. By getting a sort code, your account number, and hot coral Monzo card, you can pay anywhere in the world which accepts MasterCard. It provides instant notifications for every single transaction that you have made here. Hence, you can make bank transactions, set up direct debits and standing orders and have your salary paid straight in.
#7 Clarity Money – Budget Planner
Clarity Money – Budget Planner is an efficient app and your personal financial advocate. There are a huge number of features that it provides for professionally analyzing your personal finances. This app uses machine learning and data science to evaluate your personal finances and enables you to make smarter decisions that where to spend your money. This free app will help you save money, track your spending, protect your credit score, plan your budgets, lower your bills, and manage all of your accounts in one place for an easy approach. It does not deliver unwanted accounts and subscriptions from charging you. You can easily manage all the working scenarios regarding your payments. It lets you cancel and lower your bills instantaneously. Clarity Money – Budget Planner lets you transfer (send and receive) your money between bank accounts and you can generate your credit card score without any cost. It is your financial companion which is efficiently looking for ways to save money while maintaining your budget and control your finance.
#8 Mint: Budget, Bills, Finance
Mint is an all in one money management app using which you can control your entire financial life like bill payment records, credit score, budgeting, investing, and much more. It is said to be personal money management application but can be used by small to medium size enterprises as well. If you are looking for an application making you able to manage money, pay your bills, and track the credit score instantly then Mint is the best one option for that purpose. Now you can effortlessly create budgets that are easy to stick t. From simple money management activities to budgeting, Mint allows its users to customize its features and functions according to the specific requirements. It is personalized for you and will allow you to customize it in your way. Receive alerts for unusual account charges and gets custom tips for reducing fees and saving money. It is very easy to set up multiple accounts for free as help is available all the time. One of the best things about this app is that it is versatile enough to help you make sense without much effort.
#9 Mvelopes Budget App
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Mvelopes Budget App is a budget app that helps you to add your financial institutions and come up with a budget that retains you on the mystery of financial freedom. Using this finance-related app, you can get all of your transactions sent to your Mvelopes Budget account, and you will effortlessly be able to track all of account balances in this easy to use app. Mvelopes Budget App lets its users to envelop budgeting methods to help you track and plan your household, personal budgets, and other particular stuff budgeting scenarios. You can easily assign, monitor, and manage your budgets right from your mobile phone having this app. Mvelopes Budget App is an outstanding tool for tidying up your budget and best for overspenders. This app has made budgeting fun and is probably one of the best online money management tool for all of its global users. You can transfer bank credit cards and accounts and efficiently track your spendings. Other than these, it provides real-time synchronization, money saving tips, eBooks, and videos as well.
#10 Unsplurge – save money with a frugal & thrifty lifehacker
Ynab 4 Windows 10
Unsplurge – save money with a frugal & thrifty lifehacker provides a great way to focus on saving by maintaining your budgets in an effective way. It delivers the best, easiest, and the funniest way to save money for your private doings. This app helps you get things in a well-scheduled way so that you can manage your money and its spendings in a pretty sensible way. You can pick any of your goals such as for vacations, for education, a trip with your friends, for your shopping, and some of your emergency savings. You can easily log and track your progress for proper integration of your account and money. You can also get some effective savings tips from others and get inspired by its majestic community. Unsplurge – save money with a frugal & thrifty lifehacker lets you reach your goals by attaining the best way through. You can log savings and see your progress right in this app and share your stuff and opinions with its community.
#11 Goodbudget: Budget & Finance
Goodbudget: Budget & Finance is a splendid money managing tool that helps you to track your expense and is one of the splendid apps for measuring home planning regarding budgets. It is the personal finance manager in your pocket and a proactive budget planner that helps you stay on the upper level of your finances and bills. It is real-time tracking app, and you can sync across iPhone, Android, and some other devices to share your budget with your budgeting companions. Some of its swanky features include the providence of the expense tracking, effective overview of the account balance and check envelops, save time with the smart payee, provides category suggestion, discovering of transactions, add income, add and edit accounts, and more. You can easily choose budget period as well to match real-life. Rather than these, it also lets you edit your budgets. You can put an eye on your spendings and analyze it precisely. You can monitor cash flow with the spending and income, download transactions, clear or reconcile transactions, and much more.
#12 Truebill
Truebill brings one of the most easiest and elegant ways to discover, track, manage, and maintain your recurring bills, and paid subscriptions. It provides one of the most powerful and fastest ways to take control of where your money goes. You can easily use the fruitful features that it provides by signing up and link your statement, and you can instantaneously see everything you are paying for based on the recurring basis. This app enhances the ease of managing your money by a number of awesome features. You can easily get recommendations, set alerts and monitors, and cancel any of your unwanted subscriptions as well. You can easily track all of your recurring bills and subscriptions in one centralised dashboard and track where your money is going. It helps you to manage your bills and subscriptions by setting monitors, receiving notification alerts, and cancel unwanted subscriptions. It also provides a precise way to discover new notifications and alerts if your bills go up and you can also browse subscription reviews and ratings.
#13 Spendee – budget and expense tracking & bank sync
Spendee – budget and expense tracking & bank sync is the finest tool that enables you to track your spending, savings, and budgets. It acts as your personal finance tracker that helps you to spend money in an effective way and keeps your savings more and more for achieving your established goals. This app delivers an attractive range of features that make this app more valuable. It precisely analyses your income and expenses right through the gorgeous infographics and carries beauty to your finance. It tracks your spending using its flawless and frictionless interface. It has made it easier to add budget goals along with the addition of your spending and savings. This app proved to be an ultimate bill tracker and a comprehensive household budget planner and manager. It efficiently creates shared wallets that you can share with your family members and friend. It enables secure bank synchronization and delivers a plan manager to plan your finances for your upcoming days.
#14 Pennies – Budget and Expenses
Pennies – Budget and Expenses is a great app that enables you to track your spendings, income, and savings and track your income in a way never before. This is an award-winning app that brings more ease for its users to measure its credit stuff for better monitoring. It is one of the simplest budgeting apps that is been using every day for years. It allows you to know how much to spent and does all the hard work for you, so that if you spend less than no worries, it will give you more money to spend tomorrow. It is one of your most personal finance clients that offers monthly, weekly, bi-weekly, custom, twice-monthly, and one-off budgets. You can easily add and edit spendings to budget periods and previous dates, and this app precisely recalculates your budgets today so that you are always up to date on your spending money. Other than these, some of its core features include the providence of flexible expenses, multiple currency support, transfer money between budgets, 3D touch support, and widget support, along with the simple, handy and intuitive interface.
#15 Digit Save Money Automatically
Digit Save Money Automatically is a robust platform when it comes to saving your money for any of your motives. It enables you to save money without thinking about it along with the surety of unlimited withdrawals and without any account minimums. This app allows you to get paid for saving money with a 1 percent saving bonus. It efficiently saves the best amount of money on a daily basis on your income and spending. You can anytime and effortlessly withdraw money from your savings often as you require without any particular charge. Digit Save Money Automatically lets you earn one percent on your Digital savings and paid automatically after three months. It also carries all funds at the FDIC-insured banks and even ensures balances up to $250,000. It also enables bank level SSL128-bit encryption for the delivery of better security to secure your funds and sensitive personal information. It is free of cost for 100 days and then offers an affordable subscription plan as well as you can cancel anytime.
More About YNAB Classic
YNAB Classic is a classical approach that brings an extraordinary ease of planning your monthly income. This app lets you monitor your income, spendings, expenses, and other expenditures to better monitor your monthly income. This app precisely lets you pay your bills right on time. Other than these, it also lets you save money for your shopping, trips, ceremonies, luxury items, some other priorities of your life, and for an emergency situation or other crisis. YNAB Classic is one of the finest budget maintaining app that helps you spend your income in the particular sections with a precise motoring so that you can spend your income in the right direction and increase your savings as well. YNAB Classic brings an entire new way to manage your household and business income scenarios and budgets. This app allows you to take total control of your money along with the massive reduction of your financial stress of getting stuff. It is the legacy app because of the flash of its imaginative brilliance.
Have you ever heard of You Need a Budget (YNAB)? YNAB is a budgeting tool created to help you have better control over your finances. It’s one of the most popular budgeting apps out there, but are there better YNAB alternatives?
Depending on your budgeting style, you might not find YNAB a good fit.
We’ll show you some similar software programs to help you decide which budgeting program will be best for you.
There are many reasons why budgeting is important, and these tools will help you to do it better.
In This Article
- Top YNAB Alternatives
Top YNAB Alternatives
There are a few different options you may want to check out if you’re looking for YNAB alternatives. Each one helps you reach your financial goals better, but they all work differently.
Here are some details on each of the five You Need a Budget alternatives we found.
1. Tiller Money
Tiller Money is an awesome YNAB alternative. It’s great for budgeting, expense tracking and deb payoff.
The main difference between Tiller and the other options on this list is that it uses Excel and Google spreadsheets.
When you sign up with Tiller Money, you link up your accounts, just as you do with YNAB. Next, you’ll create customized spreadsheets to help you manage your money, such as:
- Monthly budget spreadsheet
- Debt snowball spreadsheet (yes, it’ll help you get debt-free using the debt snowball method)
- Net worth tracker
- Weekly expense tracker
The worksheets are attractively designed and super easy to view and use. In fact, I signed up for Tiller a while back and am loving it. It’s thorough but easy enough for tech novices like me to use.
And it’s affordable. Tiller Money costs $79 a year. That averages out to $6.58 per month.
Read more about it in my full review of Tiller Money.
Automated Email Updates
Another great feature of Tiller Money is that it’ll send you an email every day. The email notifies you of any new transactions that occurred in your accounts in the previous 24 hours.
To me, this is a nice way to ensure you can catch any unauthorized transactions on your accounts early. And it’s nice to see how much money I spent the day before at a glance. All in all, the system is pretty thorough.
Tiller Money vs. YNAB
The main difference between Tiller Money and YNAB is the customization aspect. Tiller Money does a great job at creating great spreadsheets that are completely customizable.
And it’ll automatically update every spreadsheet you create. Bonus: Tiller Money is cheaper than YNAB by about $2 a month. That’s not a lot, but we budget-obsessed people know that it all adds up.
2. Personal Capital
Personal Capital will help you manage your money. However, it does so in a much more comprehensive way than YNAB. I’d say that Personal Capital is the best of the YNAB alternatives.
When you sign up with Personal Capital, you start by linking all of your financial accounts. You’ll include checking, savings, credit card, loan, retirement and investment accounts. Now you’ve got a complete picture of your entire financial situation in one place.
Next, you need to choose between the services Personal Capital offers. One is a free financial tracking service. The others are paid financial advisory, wealth management and private banking services.
Free Financial Tracking
The free financial tracking tools help you keep an eye on your overall financial situation. It’s nice because you don’t have to check each account manually online.
Instead, you just pull up your Personal Capital account and get a full view of your net worth and financial picture. This service is completely free.
That said, you will regularly get calls from advisers whose goal is to have you upgrade to a paid service. You may find these annoying. Just keep in mind that you are not required to upgrade. As long as you follow the terms and conditions, you can use the free service for as long as you want.
Paid Advisory Services
Personal Capital also offers to manage your investments, for a fee. If you sign up for paid services, you’ll get access to a team of financial advisers. There’s a $25,000 minimum investment for this service, which is higher than competitor websites. If you’ve got $200,000 or more, you’ll get two dedicated financial advisers.
As of this writing, the fees for investment services are as follows:
- 0.89% annually for the first $1 million
- 0.79% annually for $1 million to $3 million
- 0.69% annually for $3 million to $5 million
- 0.59% annually for $5 million to $10 million
- 0.49% for over $10 million
These are also higher than competitors’ fees. Wealthfront, SigFig and Betterment for example, charge 0.25% to 0.35%. But Personal Capital’s overall package is considered one of the most comprehensive in the field.
Personal Capital’s Free Tool vs. YNAB
The main difference between YNAB and the free Personal Capital tool is that the Personal Capital tracking tool gives you a long-term view.
With YNAB, you can manage your budget in line with your paycheck. It’ll help you manage your money for the current week, two-week period or month.
Personal Capital is able to give you a big-picture, long-term view of your money. This is because it includes retirement and other accounts. Also, it shows you how your retirement savings picture looks based on your current spending.
It pulls together current spending numbers, spending goals and more to help make sure you’re on track to save enough for retirement.
Plus, this version of Personal Capital is totally free. You’ll only pay if you decide to use their advisory services.
3. Mint
Mint was founded in 2006 and is currently owned by Intuit. It offers you a way to budget and track your money in one place. And it’s one of the most popular YNAB alternatives.
Like the other services listed here, Mint gives you easy access to your bank, credit card, investment and loan accounts all in one place.
It’ll also send you alerts if your bank account is running low or you have payments due on loans or credit cards. This is a nice feature because it helps ensure that you won’t accidentally forget to make a payment.
Late payments often result in late fees and raised interest rates. So in that way, Mint can help you save money.
In addition, Mint will let you know how much you’re paying in ATM and other fees. And it’ll alert you if there are any large or unusual transactions on your accounts.
Bonus: Mint helps you keep track of your net worth. It’s displayed at the top of your account every time you sign in.
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Mint vs. YNAB
Both Mint and YNAB do a great job of helping you budget. Their interfaces and features are pretty similar.
However, Mint is completely free. There’s no charge to use it. That fact might leave you wondering how Mint makes money.
Harry styles meet and greet chicago. Mint makes money in a few ways:
- It offers various financial services to members, and it gets paid a referral fee if you sign up
- Mint has clickable ads on the site, which gives it the ability to bring in ad revenue
- You can sign up for premium access to your credit report with Mint, and it charges a fee for you to do that
Since the Mint and YNAB budgeting tools are pretty much equally great, the biggest reason Mint might be better for you is that it’s free. And free is good.
In addition, Mint has several additional features that YNAB doesn’t. It offers a more complete view of your finances and an alert system. Check out the Mint website for more information.
4. CountAbout
CountAbout was founded in 2012.
Its main goal is to be a step up from Quicken. In fact, you can seamlessly migrate from Quicken to CountAbout.
The site will automatically sync your Quicken data into the CountAbout system. One nice thing about CountAbout is that you can rename spending categories as you see fit.
CountAbout’s prices are also very reasonable. It costs $9.99 per year for the basic budgeting plan.
If you’re willing to upgrade to the premium plan, you’ll get an added benefit: automatic download of transactions. The premium plan is only $39.99 per year. That equates to a bit over $3 a month.
Along with budgeting tools, CountAbout also provides:
- Graphs to help you assess income and spending
- Ways to incorporate recurring transactions and split transactions
- Apps for Android and iOS
It’s a fairly thorough system that should meet the needs of most basic budgeters.
CountAbout vs. YNAB
The only big difference between CountAbout and YNAB is that YNAB allows investment tracking and CountAbout doesn’t.
And of course, CountAbout is cheaper, even if you do choose to sign up for the premium program.
5. EveryDollar
EveryDollar is the budgeting brainchild of well-known personal finance expert Dave Ramsey. The website says it’ll help you create your first budget in less than 10 minutes. It’s a simple program that’s fairly easy to use for people of almost any technical skill level.
EveryDollar has a free version where you can add income, spending and budgeting information manually.
It also has a premium version called EveryDollar Plus. This version costs $99 per year ($8.25 a month) and gives you the convenient benefit of automatic downloads for your transactions.
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EveryDollar vs. YNAB
There are a few differences between EveryDollar and YNAB. YNAB has investment tracking and bill management, whereas EveryDollar does not.
On the other hand, EveryDollar has tax reporting capabilities. YNAB does not.
In addition, EveryDollar is available in the U.S. and Canada, while YNAB is only available in the U.S.
Related Post: Alternatives to the Level Money App
6. Goodbudget
Goodbudget is a budgeting app that helps you determine the “why” behind your expenditures. In other words, it helps you create a value-based spending plan.
It’s based on the cash envelope system and gives you electronic envelopes to put your spending money in when you create your budget.
You can sync your device with your partner too, so that you’re working your budget together. The free version of Goodbudget includes 10 e-envelopes, and works with one account for up to two devices.
The Plus version includes unlimited e-envelopes, unlimited accounts, lets you partner on five devices and more.
Goodbudget vs YNAB
Goodbudget and YNAB are alike in that they both utilize an electronic version of the cash envelope system. The one downside to Goodbudget is that it can’t sync up with your bank. That means all transactions have to be done manually.
However, you can download your bank statements into a supported system like Quicken and then import the info into Goodbudget.
7. PocketSmith
PocketSmith has been helping people budget since 2008. It touts itself as a budgeting app with unique features for every type of budget need, including those with multiple streams of income.
With PocketSmith, you can import your transactions from your bank using multiple bank accounts as long as they’re from the same bank. You can track your income, expenses, net worth and more.
You can make a cash flow forecast and work in multiple currencies too. PocketSmith has a free plan that allows you to budget and import transactions manually.
The Premium plan from PocketSmith is $9.95 per month or $7.50 per month if paid annually. This is their most popular plan. It allows for automatic or manual transaction importation, a 10-year financial projection and unlimited budgets.
PocketSmith’s SuperPlan allows for 30 years’ projection of your financial picture and costs $19.95 per month or $14.16 per month if paid annually.
PocketSmith vs. YNAB
PocketSmith and YNAB are a lot alike: they both offer budgeting, bill management and the ability to sync to your bank.
However, PocketSmith has a cashflow projection/forecasting feature that budget nerds like myself might find appealing. This makes PocketSmith one of my favorite YNAB alternatives.
8. PocketGuard
PocketGuard’s big push is that it allows you to know how much money is in your pocket at all times. You can use it to make a budget, monitor your spending, and remind you when bills are due.
By knowing what’s left in your “pocket” for the day, week, or month you can better make fluid spending decisions.
PocketGuard has a free version that allows for importing data from your bank and putting the data into preset categories.
PocketGuard Plus costs $3.99 per month or $34.99 per year when you pay annually. With PocketGuard Plus, you get added features like customized categories, unlimited goals, and more.
PocketGuard vs YNAB
While PocketGuard is great for knowing how much you have to spend and for basic budgeting, YNAB still rules the roost for its attention to detail. The zero-based budgeting platform is great for the most detailed of budgeters.
9. Moneydance
Moneydance is a bit different from a lot of the other apps here in that it’s not cloud-based and it’s not really an app. Instead, it’s more like a Quicken alternative. It’s a software program that allows you to budget, import banking transactions and more.
It’ll help you see which bills are coming due and more. It costs $49.99 to purchase Moneydance as of this writing.
Moneydance vs. YNAB
The main difference between YNAB and Moneydance, is, of course, that Moneydance is a software program that keeps your information local, while YNAB is cloud-based.
That being said, you can save your YNAB locally–the app does have that option.
10. Wally
Wally is a free budgeting app that helps you set money goals and get insights on your spending. The downside with this and a lot of other free apps is that you have to input financial transactions in manually.
However, the app does offer the Wally Gold version, which will sync to your bank account and let you import transactions with bank-level security. As of this writing, Wally Gold was $19.99 for a lifetime subscription.
It’s available for both Android and iOS, and the Wally app will also let you store photos of receipts.
Wally vs. YNAB
Wally is pretty basic compared to YNAB, although the Gold version offers a lot more features than the free version. And reviewers say that it’s not quite as user-friendly as YNAB.
Add Wally to the long list of YNAB alternatives that could be a good choice for you. But YNAB is still among the top-rated budgeting apps.
Summary of YNAB Alternatives
Using a budgeting program like the ones we’ve mentioned here is important. It helps you avoid common budgeting mistakes that can have a long-term impact on your finances.
You Need a Budget (YNAB) is a popular budgeting tool that’s been around for a long time. It has a way of making budgeting more fun.
Bonus: The site has a light-hearted feel to it. Check out its “About” page for some laughs.
That being said, there are alternative budgeting options out there if you find YNAB isn’t working for you. Depending on what you need, one of the budgeting programs here is likely to suit you.
Have you ever used YNAB or any of the other programs we talked about? Share your thoughts about them on our social media accounts.