by George Windsor Updated: January 17, 2019 Budgeting Tools. I don’t mean “higher level” as in “better” or “superior,” I mean 30,000-foot view vs. 10,000-foot view. I can see how it would really help people get a better picture of their finances and make changes and form better habits, though it wasn't best for my use case (cause I like giving my dollars jobs and such!). Seriously, it was so simple! I've been using it since september and it's doing a decent job so far. YNAB does have some useful budget philosophies but the software isn't much better than a spreadsheet. http://www.budgetwise.io/ - Just linking as one to keep an eye on - launches 2018, but looks promising! In addition an open source budgeting tool based on YNAB-like principles is being built albeit progress is very slow. For this review, YNAB means the web based, subscription version and YNAB 4 refers to the old, downloadable version. Suggested by /u/khass1. The spreadsheet app in Google's Google Docs office suite will probably meet your needs, and it works offline with cloud sync. It is open source and might be manipulable into an envelope budget but I couldn't work it out in the 30 minutes or so I was looking at it. This is my version of YNAB in Excel. save. As I was trying to sync with the (new) app, I realized there were two versions. Thinking of switching away from YNAB? r/financier for more info. So how did YNAB become one of the best budgeting software, rivalling even Mint? Or, if you are a developer working on a project and want help or beta testers, please comment too! You Need A Budget (sometimes referred to as YNAB) was added by askielboe in May 2010 and the latest update was made in Aug 2020. I’ve been closely following YNAB as it’s evolved over the last few years. I have never personally needed the "envelope budgeting" approach made popular by YNAB, but this thread really shows off the many different ways you can use GnuCash to model the same thing according to accounting preference. Summary of YNAB Alternatives. YNAB stands for “You Need a Budget.” The company was founded in 2004 by a husband-and-wife team Julie and Jesse. For android: 2.99/mo or $19.99/yr for syncing with 2 bank accounts, $4.99/mo or $30.99/year to sync with unlimited accounts and have multi-user collaboration. 82% Upvoted. https://www.tillerhq.com/ - $5/mo - so $60/year for customizable google spreadsheets that sync with banking accounts - app usage would be google sheets. Lately i've been very disappoined in YNAB. If you have a better system that works, then great! I did not find YNAB... .. But when no fee alternatives like Mint exist, is YNAB worth it? YNAB Review 2020 – Yes, You Need A Budget! What is the best alternative to YNAB? Just signed up. Much easier to use than GNUCash. A discussion subreddit for popular budgeting software You Need A Budget. then when the new month rolls around, i move the money from that category to TBB. I find it way to expensive to pay 11 euro a month for a manually adding software budget program. Mint. You take a photo of your receipt and it automagically extracts the information from it. Feel free to post any news, questions, budget strategies, tips & tricks and advice related to YNAB. I keep meaning to see how much I can build in Excel as a lower-tech alternative. Even after my initial success with YNAB, I’m no longer using the service. I'm so happy to took the time to build/copy a spreadsheet that does everything I need it to. It’s perfect if you want to create a zero-based budget. iOS, Mac & PC support with full cross platform syncing, direct UK bank integration etc. Edit: Manually managed Budgets are on Android only. Embrace your true expenses. They likely aren't the best replacements for everyone across the board, but may work for some people, so I'm listing them anyway: https://www.gnucash.org/ - Free, windows, macOS and linux options, android app. Just be careful that any automated pulling of info requires you to hand over your login details to a third party. Moneydance has very limited support for automatic sync with your banks and credit cards. Feel free to post any news, questions, budget strategies, tips & tricks and advice related to YNAB. Personal Budgeting Software for Windows, Mac, iOS and Android Microsoft Money's user interface is outdated, unintuitive (yeah, despite being built by Intuit!) YNAB Style Spreadsheet (from a Redditor on Reddit.com) As the name suggests, this spreadsheet’s layout and function is very similar to the paid budget software called YNAB (You Need a Budget). Also, suggest others if I am missing them. Or think of it like this: skip one night of eating out this month, and you’ve paid for YNAB for a year (and cut out 1,000 calories!). The main one is simplicity - knowing that adding categories etc wont screw up all your calculations. It's really annoying, I think using it voids the security of a lot of bank accounts because you have to give them your login details. YNAB is an approach to managing your finances. Just signed up for early access, really eager to see how this works! Ad. C'est la vie. For an expense tracker type budgeting tool, it IS really cool with analysis and tips and what have you. ), every time you get paid—things start to change. Alternatives to YNAB. It looks like a cloud-based clone to me and for full functionality costs $95 PA (makes YNAB5 look cheap!). Like 5. In what ways is your software different than ynab? So if you sign up now, you can only go back as far as your bank supplies data, which for credit cards with monthly statements..is 30 days. Pros. Here’s the Deal. Thinking of switching away from YNAB? Just googling "envelope budgeting software" brings a page full of apps that might work. Thinking of switching away from Moneydance? A discussion subreddit for popular budgeting software You Need A Budget. Is there a limit to the number of free months I can earn? https://primoco.me/en - $10 (or 9€) for 3 months, $18 (or 15€) for 6 months, or $28 (or 24€) for a year subscription. Here's one from Reddit. I was listing only zero based tools but now I'm saying fuck it and listing these too, cause you do you, fellow YNABers with a chip on your shoulder. Join. They do interface with YNAB but they are one of those you're going to need to refresh your credentials two or three times a week. Web app and mobile app. Alternative ynab? If I were to recommend a budgeting tool for friends and family that doesn't use the zero sum based method, this would be the one. If you're a student, you can get an additional 12 months for free (for a total of 13 months) and after that you can get 10% off yearly subscriptions. purchase a subscription. Just google "YNAB spreadsheet" and you'll find something suitable. Your budget goes where you go—on all your devices, all the time. As I was trying to sync with the (new) app, I realized there were two versions. Ad. If we get enough users to offset the costs, my goal is to offer a greatly reduced or free option for students down the road. Before you spend a single dollar, we’ll help you think through your priorities—immediate, short-term, and long-term—and allocate your money accordingly. With YNAB, if you have your phone (and we know you do), then you have your budget. New comments cannot be posted and votes cannot be cast, More posts from the UKPersonalFinance community, Discuss, learn and request help on how to obtain, budget, protect, save and invest your money in the UK, Press J to jump to the feed. 1. http://ledger-cli.org/ - Free, open source. Feel free to post any news, questions, budget strategies, tips & tricks and advice related to YNAB. If you google that term you'll find lots of software that claims to offer it. It was founded in 2004 after real-life couple Jesse and Julie Mecham realized they needed a better system to budget their money. https://financier.io/ - Free for one browser, $12/year for multiple devices/browsers. Budgeting is crucial but it has a short-term view. Otherwise, probably not. What is the best alternative to YNAB? YNAB or Mint is a massive question that really needs to be answered. Press J to jump to the feed. You Want To Track Investment Performance. You have come to the right place. Press question mark to learn the rest of the keyboard shortcuts. You Need a Budget, or YNAB, is a popular personal finance app. Edit: /u/alonsoontheweb, the dev, says it'll be $5/mo on a month to month basis, or $30/yr. Someone requested I make a post with this comment I left in another post discussing a single potential YNAB alternative yesterday. YNAB is a budgeting app and doesn’t focus on investments. Awesome! Randomly, I was really impressed/confused that your form-sign-up-robot-list-thing pulled out my name from my email, and addressed me by it in the auto-email I got afterwards... ... Then I twigged it probably wasn't an automatic email right?! As a long-time YNAB4 user I have been searching (not particularly hard yet because "YNAB Classic" still works for the time-being, though the Android sync never worked for me), and have come up with a few possibles, none of which have the featureset of YNAB (particularly envelope budgeting). I signed up through a friend’s link, but I don’t see the free month! Have a look at MoneyWiz. People say mint.com is pretty good, but in my search I couldn't find any UK based apps that would auto draw my balances. Four Simple Rules For Successful Budgeting. I have given most of these just a cursory glance at their website to get a feel of how they worked, checked out pricing, and googled the app/program name and "zero based budgeting". YNAB relies on these rules for everything they do. I have YNAB to use as a lens that I view my money through — where I see goals, constraints, and allocations for the things that I need and want in my life. Created Dec 6, 2012. YNAB the app doesn’t work because it’s pretty (although it is) or because it has amazing tech. Press question mark to learn the rest of the keyboard shortcuts. and not very easy to use. You can set it up to work with your own needs. This just isn’t the software for you. Only a web app right now, 90 day free trial, $5/mo after. If you’re looking for a YNAB alternative, you can use these easy steps to get your budget and register out of YNAB and into a Tiller Money-powered Google Sheet. Just wish there was a universal banking system not all of these different banking apps and websites. Tell us what you’re passionate about to get your personalized feed and help others. I'm grandfathered in on YNAB and I'd hate to leave it but I've heard the "grandfathered in" pricing before, only to have it go away. Is there a good alternative budgeting software and app with a good UI which offers android sync? Welcome to YNAB's 2021 Debt Smackdown! The downside of YNAB is the cost. At first glance, this one looks like a good starting point. It could even be the most popular alternative.So what makes the YNAB … Since they only support US bank syncing. Here’s the Deal. But here's a list, at least? YNAB stands for You Need A Budget. Ad. May I suggest also considering a free/reduced plan for people who are disabled and/or are on fixed low incomes? Thousands of users have happily made the switch to Buxfer and here's why. YNAB lets you try it's software free for just over a month. Like a Google-inspired YNAB/Quicken hybrid ( simplicity, labels, powerful search etc. 3. The Official 2021 Debt Smackdown. 2. Here are some of the more popular alternatives to Mint and YNAB. This recent post discussed it. [Rant] Rant. All accounts in one place. Mint and Personal Capital are free, but YNAB is $6.99 a month, billed annually at $83.99. YNAB revolves around 4 easy-to-understand rules: 1. You have come to the right place. Alternatives to Mint and YNAB. - Reddit Mint vs YNAB - Which Budgeting App Is Better? It is not an app. If anybody wants to help me search, almost all of the apps have a free trial period. In the budgeting world, you won’t go far without hearing about Dave Ramsey’s EveryDollar. hide. Some expenses are fixed: utilities, rent, cable. Rule 1: Give every dollar a job.You take the money you earn and allocate every single dollar you make to different expenses. Microsoft Money is an old school desktop software, which can't be accessed using your mobile device or a web browser. After years of frustration with my own custom google spreadsheet, I decided to download the YNAB 4 free trial. You Need a Budget combines easy software with Four Simple Rules to help you quickly gain control of your money, get out of debt, and save more money faster! I have a monthly one, and and overall one. Yeah now I'm just linkdumping everything that can budget that people have suggested, so have at it. I use GnuCash for recording all my transactions. Cons. help Reddit App Reddit coins Reddit premium Reddit gifts. 9. Hello I have used the app for a few week and i love the idea of this app. Thousands of users have happily made the switch to Buxfer and here's why. When you are intentional about making a detailed plan for what your money needs to do (before you spend it! Also free and open source. ... — Reddit. http://www.gnucash.org/, There is Moneydance, which is paid-for software and focuses on presentation of graphs etc. I personally use MoneyDance and think its brilliant...their support is very prompt and helpful. If you need any beta testers, I'd be happy to contribute feedback! Just signed up and I'll definitely give it a go when possible. It's probably best to accept that some of the best things about YNAB4 came about more by luck than by planning and find a way to run YNAB4, accept new YNAB, or find an alternative. Try YNAB Free For 34 Days. The service typically offers a free trial for a month or two. 28 comments. I believe Money Dashboard does this, although it's still fairly new and I'm not sure how the banks here view aggregators. If you don't already use command lines on the regular, probably not a good option given the learning curve. Experiences. in YNAB, i handle it by creating a category called “budget next month.” all my current month’s income goes into that category. Hopefully by making a separate post, people can leave reviews for any of these if they have tried them. No idea what pricing structure may be though. Let's go! YNAB, or You Need A Budget, is Canadian budgeting software that comes at a pretty steep fee of either $84 a year or $11 a month. Indeed, that's how the YNAB app started life: it was just a spreadsheet. I use a simpler spreadsheet now, but am attempting to separate my savings into buckets. As I was trying to sync with the (new) app, I realized there were two versions. Slant is powered by a community that helps you make informed decisions. So, sorry for taking the lazy way out with these. You'll get most of the features you need in budget software, like automatic categories, bank synchronization, and informative graphs. You have come to the right place. Thanks! I've just signed up for updates. If that's the case, please let me know and I'll move it to the non zero based budgeting apps list. Web app and android app. It’s not a good budgeting tool replacement for YNAB but if you want to graduate from just budgeting to higher-level financial management, Personal Capital can be a helpful tool. http://infinitekind.com/moneydance, Mvelopes gets a mention on many threads discussing YNAB. https://getpocketbook.com/ - Free. At least partially open source now too. Competition is always good too! Top Pro. Related to personal finance, budgeting, money and financial matters. Join A Challenge. Pardon my ignorance here but do you just add balances each month, or transactions also? I remember when it transitions to a monthly service. Can anyone help suggest the alternative or is ynab offer some regional pricing. Looks to be app only, potentially also Australian only for bank syncing? We’ll put the first two rules into action and show you how to plan for all your expenses using goals! People have been suggesting non zero based budgeting alternatives in here repeatedly. https://budgetbakers.com/ - Free tier. If you’d like to continue using YNAB 4, check out this page for all the details on compatibility and support. Yeah, some things changed and it's pricier than before. It's not too classy to ask for an alternative on the YNAB support forums but I do understand that your actual purpose is to voice your complaint. https://www.mvelopes.com/ - Basic is $40/year and looks mostly competitive to nYNAB; other much pricier tiers if you really want advice and coaching and stuff (I assume you don't though); has an app. Upcoming Changes to Direct Import. Why YNAB might not be the right choice for you. Always around to answer any questions that you may have! : ynab - Reddit I m done with Mint What is current best competitor? Budgeting Software Showdown: Alternatives to Mint com - The Simple The Online Budget Battle: Mint vs You Need a Budget (YNAB) NYNAB vs Mint? If you are an Android user and want to budget mostly from your phone, it's an option. Ad. There are the online efforts, most of which use some variety of Yodlee (Moneydance, Ontrees, Lovemoney, etc), though these tend to be retrospective, as opposed to forward-looking (and I have security concerns). Signed up, excited to see what you come up with! Apologies if this is repetitive and you've seen it already. I also second GnuCash, which allows you to model powerful scenarios once you understand double-entry accounting (the tutorial's really good). YNAB didn't invent the methodology. https://www.everydollar.com/ - Free tier is without syncing - for bank syncing and other features it's $99/year (which is obviously more expensive than YNAB's new pricing so, really just noting the free tier here). Dark Mode, Color Changes and Sidebar Options - Oh My! Mint can handle banking accounts, saving accounts, credit cards, etc. See why Buxfer is the best alternative to Moneydance. After years of frustration with my own custom google spreadsheet, I decided to download the YNAB 4 free trial. Feel free to post any news, questions, budget strategies, tips & tricks and advice related to YNAB. It really clicked with me.” Michelle & Billy YNABers since 2015; I paid off $56,000 I thought of consumer debt as something that would always be with me. Sorry I'm rambling, would it please be possible to have a screenshot of your setup with the data obscured or something like that? Slant is powered by a community that helps you make informed decisions. But before you get creeped out, think of the possibilities: the closer you are to your budget, the closer you are to your financial goals. YNAB alternative. Studying for his master of accountancy at Brigham Young University at the time, he put his numbers wizardry to work to develop a system to track their expenses, and that became YNAB. Unfortunately they don't have a different price for European users. I keep meaning to see how much I can build in Excel as a lower-tech alternative. See why Buxfer is the best alternative to YNAB. Can anyone speak to whether Quicken 2017 using a gift card and quickly ( pun intended ) it. https://cinchfinancial.com/ - alright, I've actually tried this one since it got rave reviews in a facebook finance related group I'm in. Indeed, that's how the YNAB app started life: it was just a spreadsheet. YNAB is a small, privately held company that offers personal budgeting software. Tiller Money automates your daily financial transactions and balances into a fully customizable Google Sheet. YNAB or Mint? Your software looks great from what I can see and I'm excited for the launch next year! One of the reasons new budgeters are so successful with YNAB is because they create new habits. Close • Posted by 40 ... A discussion subreddit for popular budgeting software You Need A Budget. Jul 29, 2018 - This is my version of YNAB in Excel. If you’ve checked your Account Settings, and you don’t see your free month, just email [email protected] and they will right your free-month wrongs! I'm not a fan of paying for a subscription and since this program will only be supported for another year, are there any other YNAB alternatives out there that anyone would recommend? This workshop will focus primarily on the YNAB mobile app but our teachers will also be happy to answer your web questions too. It has existed for a long time, and is known as "envelope budgeting". Card accounts YNAB alternatives that could quicken vs ynab reddit a good choice for you with Quicken well as with. 6. Plus, the trial is free for 34-days so definitely worth a shot! 6. Related to personal finance, budgeting, money and financial matters. Reconciliation with them is okay. The list of alternatives was updated Jan 2021. - Oh my called you Need a budget ( YNAB ) user I! Who are disabled and/or are on fixed low incomes card so it is really cool with analysis and tips what... You won ’ t work because it ’ s evolved over the few... ] ” category week and I 'll move it to the non zero based budgeting Intuit! ) old desktop! The world to know: /u/alonsoontheweb, the heavens opened and angels!... A separate post, people can leave reviews for any of these different banking apps and websites using! Dashboard does this, although it is ) or because it ’ s really similar how! 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To continue using YNAB, is YNAB worth it photo of your transactions and them! You do ), every time you get paid—things start to change find lots of software before landing on making...

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