The best budgeting apps can help you manage your money and, dare we say, even make it fun. So all in all, the goals seems like a cool feature but not enough to get me to consider paying $50 a year for it. Kevin Mercadante is professional personal finance blogger, and the owner of his own personal finance blog, OutOfYourRut.com. I had to borrow the $15 for it on the steam winter sale but now im living on last months income and have broken my paycheck to paycheck cycle. I like it a lot. (the one caviet to this is if you enter the wrong monetary value on a transaction. Like Mint and Personal Capital, YNAB links to your accounts to automatically import transactions. It's just a fancy interface. As with most things related to personal finance, the debate between Quicken vs. YNAB is really more about your specific needs. Have you ever heard of You Need a Budget (YNAB)? I think I remember Jesse saying that YNAB is really an education company that happens to make software. I was just wondering if there was something significant I was missing, or if I didn't understand the budgeting method it employs (assign a job for every dollar). for those who don't know, YNAB is a budgeting software. I love the new YNAB mobile app that was released the other day. Me personally, I'm an accountant who works with spreadsheets all the time and could easily create an Excel file to handle this stuff. You need to pay down debt, and build a savings. As a member of r/personalfinance, you don't need to spend that money. It’s one of the most popular budgeting apps out there, but are there better YNAB alternatives? I think YNAB is an excellent tool and has provided me with enough value to justify my original purchase, but, as others have pointed out, the most important piece of any budget is your own willingness to stick to it. I would absolutely recommend that you grab the trial. You could probably achieve the same with a spreadsheet, but I have found YNAB (and its associated 'method') has really helped me over and above what my spreadsheet tweaking did. Whereas other budgeting tools that just track categories, you can still purchase a cup of coffee with your credit card and be within your budget, but you might not have the cash to fund that purchase! YNAB is unlike any personal finance app, expense tracker, or money management system you’ve tried before, because it is based on our proven method—YNAB’s Four Rules. (Budget based on how much money they guess they're going to get in the future). I don't regret it. Filter by license to discover only free or Open Source alternatives. Not bashing YNAB at all though, it does seem like a great piece of software. This is useful because when YNAB sees a transaction you've entered manually and one that has cleared your bank it marks them for your approval, and your done. Now a days there are a number of apps that do this, but at the time YNAB was the only I found. In my opinion it's well worth $4 a month. YNAB is better for simple budgeting functions. It's highly praised here and I've read a lot of people saying it 'changed their life'. Kevin Mercadante. Hi, I am curious if there's something I'm missing about YNAB. You can set monthly goals, but if you overspend one envelope the software forces you to specify which "envelope" you're going to take from to get it. And the budgeting capabilities are way more advanced in YNAB. It's not particularly revolutionary in terms of its features. ). It's highly praised here and I've read a lot of people saying it 'changed their life'. Only available on my phone, but has options for monthly, weekly, or daily back up to your venue of choice. I don't regret paying full price for it at all, but when recommending it to others I do recommend waiting for a Steam Sale on it. I think the people who love it really just love budgeting. But YNAB is fancy pants excel. Global Personal Finance Services Market In-depth Insights by Quicken, YNAB, Microsoft, Personal Capital, Money Dashboard 23 Dec 2020, 4:13 a.m. This also helps in communication with my wife who is pretty hands off. I've been using YNAB for a little over a year now. A survey found that 0% of successful relationships began with a conversation about accounting software. The notifications you receive are transactions that need to be categorized and NOT ads for other accounts or similar things like in Mint. What I really wanted was a way to do a "virtual envelope" system. This means we don't have to carry receipts around for entry at home and the entries synch across all three devices (two phones and the primary desktop). I think the main thing is that it makes it approachable, and people stick with it. 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've also done spreadsheets. Decide how much you're going to allow yourself for groceries, gas, going out, buying crap. I can also set up accounts and label each expense for an account or CC so I know how much I'm spending on each card, as well as how much are in my bank accounts, and do payments on cards from accounts etc. Write down your income, your bills. YNAB or You Need A Budget is the perfect application for you to use your pay-check in the most profitable manner. I'm not skilled enough to get that with Excel, so for me YNAB is awesome. YNAB is unlike any personal finance app, expense tracker, or money management system you’ve tried before, because it is based on our proven method— YNAB’s Four Rules. Does it give you a warning when you go past your remaining $20 coffee budget and ask you what other category you want to spend less in to compensate for? The existence of a free lunch is debatable, but YNAB personal finance software is FREE for all college students (really). I tracked my expenses for awhile in an excel sheet, made some expense categories, looked at how much I was spending where and made a budget after a month or so. I need the app, the ability to enter when in out and about. did it help you control and organize your finances? This is what YNAB offers for me. YNAB is a sound program with a reasonable price, although seeing as many other personal finance apps charge nothing at all or offer a free level, the $5 per month can seem like an unnecessary expense. YNAB costs $83.99 a year to use, but I tried it out on a one-month free trial. It had a phone app that synched via Dropbox. Learn about budgeting, saving, getting out of debt, credit, investing, and retirement planning. I think they have like a month trial period now. This will cause you to have a double transaction that you have to find and remedy yourself. Getty Images. In Mint, I found myself mis-categorizing things so it didn't mess with my perfect "monthly" budget I had set up. I use Ynab and love, it's philosophy has changed our financial outlook and savings massively. What options will work best for you? No, You can use Openoffice calc spreadsheet program to plan your budget for free. Not everyone needs to budget at that level of detail. The other big thing as I've gotten into the habit of putting every transaction in is YNAB can link with your bank and credit card accounts and automatically import transactions. You are spending money you will get in the future, which is a mindset that can be financially devastating as it can lead to spending beyond your means opposed to below them. If you have debt, attack it with all you’ve got. The interface is inviting, and I can visually see exactly what is going on. For me this has been a rare issue. $60 isn't much for well-made software, which YNAB is. have any of you used it before and what is your opinion? Thats assuming someone knows how to create a budget with a spreadsheet. It's made me far more money than the $60 it cost to buy. YNAB (otherwise known as You Need A Budget) is a popular budgeting app. Budgeting is not the sexiest thing to talk about. The app itself is free with purchase. However, the YNAB philosophy still encourages you to handle your budget manually to get a more personal, thoughtful connection to your money. But the first step in fixing your finances is to stop wasting money on things you don't need. Where this tool excels for me is in handling those envelopes on a daily/weekly/monthly basis. If you want help putting together a basic budget and tracking your progress, YNAB is the better choice. the budget window gives a good summary of totals. I don't need to establish a budget, just wanted software to consume my account information/transactions without me entering them one by one, and help me track where the money goes. By budget upside down, does that mean someone thinks such as "I get paid on the 31st X amount of money, that means I can afford this piece of clothing now since I will have the money eventually"? Once I signed up on YNAB’s website, I immediately started following the prompts to connect my bank accounts to YNAB. Reports - The reporting and charts are actually pretty fleshed out in money manager, it has everything I would need in reporting and graphs. YNAB has a strong philosophy about how you are supposed to budget. (Sidenote, wasn't this a feature that was only fairly recently added to YNAB? Cookies help us deliver our Services. The price may seem a little steep, but it's much easier to use than excel since it can auto pull your transactions. I am a bot, and this action was performed automatically. Probably not $60 but it usually goes on sale during the Steam sales. Manually entering things keeps me accountable. ... Facebook Twitter LinkedIn Pinterest Reddit Share via Email. Here are Forbes Advisor's picks for the top personal finance tools. Feel free to post any news, questions, budget strategies, tips & tricks and advice related to YNAB. The hard part isn't writing it down, it's having the willpower to stick to it. Tech Support/Budget Assistance - I get budget assistance from PF :) and tech support yes but probably not as prompt as YNAB. Now your not trying to go line by line to balance your accounts. I only use YNAB because I think it's prettier. http://www.microsoft.com/en- us/download/details.aspx?id=20738, http://www.microsoft.com/en-us/download/details.aspx?id=20738. While setting up the monthly budget, my wife and I do a review of the previous few months as well. They give away a free copy of the software to a random user at the end of every one of their hour-long online classes. Link to my bank accounts/ccs - No, but I don't want it to. I have it backing up automatically each week to my google drive, but you can have it email you an excel sheet daily if you'd like. On average, new budgeters save $600 in their first two months with YNAB. 108k I see they apparently improved the ability to pull in account info for your $50 a year, but I also don't want my account information sitting in someone else's cloud. It will give you an easy way to jump into generating and tracking a budget. Please contact the moderators of this subreddit if you have any questions or concerns. YNAB. Personal Budgeting Software for Windows, Mac, iOS and Android I can reconcile my accounts, and know to the penny that we everything is correct. YNAB is more expensive than its free counterparts and it takes more time to develop your budget. The core budgeting functionality can be duplicated by any cheap (or free) spreadsheet program, but YNAB does have a few extra bonuses included that make it superior to a raw spreadsheet. I had tried doing an actual envelope system with cash and it was just impractical. What's so revolutionary about it, and why does it deserve a $50/year fee? Is this the same concept as YNAB? It takes time, but for me the awareness of "I spend how much on bullshit each month?!" Related to personal finance, budgeting, money and financial matters. Press question mark to learn the rest of the keyboard shortcuts. The service also has the option of adding unlinked accounts by starting with your current balance and manually entering transactions. Also, if I'm going to spend $50 on a budgeting app, I'm going to use it. Join our community, read the PF Wiki, and get on top of your finances! So you might want to just hang out and wait for another sale. This means you assign every dollar a job and get very detailed control over each transaction. Alternatives to You Need A Budget for Web, iPhone, Android, Windows, Mac and more. In my experience, it also makes me more engaged in my day to day finances. Depending on your budgeting style, you might not find YNAB a good fit. You can track your expenses within reason without making a budget for every little thing. The original YNAB was manual-entry only, but it updated a while back to include live bank connections for most major financial accounts. You can handle this as It comes up. It's a chore to me. I remember reading people saying a BENEFIT of YNAB was that it made you enter things in manually.). He has backgrounds in both accounting and the mortgage industry. For some people it really clicks and for some people it doesn't. The original YNAB everyone fell in love with was a stand alone software that you could get for $14 on steam. I started reading Personal Finance a few months ago and got into saving/budgeting/tracking. A discussion subreddit for popular budgeting software You Need A Budget. Learn about budgeting, saving, getting out of debt, credit, investing, and retirement planning. Why? I see it as putting money every month in envelopes. YNAB is short for You Need a Budget. But, these tools are essential to our financial health. Again, while YNAB doesn't really do anything that you couldn't do with a spreadsheet, I find it easier to enter and track information in YNAB. It coincided with being completely undisciplined with money, to being disciplined and avalanching debt. You can try it free for 34 days, but can be a financial game changer if you need some help while you become the master of Personal Finance 101. When we got married, we paid in cash. Press J to jump to the feed. 5. I tried it and it didn't do what I wanted it to do. It doesn't. YNAB (see our review) is an app that provides both the mechanics of monitoring your income and expenses and instructional support to help you deal with the root causes of financial distress. It gives us a place to keep everything straight. YNAB is a budgeting tool created to help you have better control over your finances. I've used mint but it's been a long while. As a software developer, $60 is a fair price for YNAB. Because we hate student debt as much as the next guy, maybe even a little bit more. As others have said, it is a glorified spreadsheet. The interface is intuitive and user friendly. Again, while YNAB doesn't really do anything that you couldn't do with a spreadsheet, I find it easier to enter and track information in YNAB. I have the old version of YNAB (paid once and that’s it). She's a more visual person, so being able to show spending comparisons of the last X months in 3-4 clicks is very useful to us. There was a sale a few days after my purchase, but a quick email to the YNAB team got me a partial refund. And between books, tuition, and stockpiles of ramen, you’re probably looking at some debt and all the stress that goes with it. The interface is intuitive and user friendly. As a company, YNAB doesn’t often tell you how … Now I use a free app (Money Manager), input my categories for my budget, the monthly allowance for each category and enter in every expense I make as I make them. Hi, I am curious if there's something I'm missing about YNAB. Yeah, you could create an Excel spreadsheet and have it do the exact same thing, but most people aren't gonna or don't know how. Goals - Can't do this, I can definitely see the helpfulness of this feature. In terms of an investment, that’s a serious return. Press J to jump to the feed. No more online support, but Microsoft still offers a free download for Money Plus Sunset Deluxe. If you buy more crap than you've budgeted, you're done going out for the month. Which will stack up Personal Capital vs Mint vs Quicken vs YNAB. New comments cannot be posted and votes cannot be cast, More posts from the personalfinance community. I longernow had the ability to see exavu how much I could afford on say groceries and put it in immediately. I use Mint.com for free, are there any major differences? Download YNAB Budget, Personal Finance for Android to yNAB will help you break the paycheck to paycheck cycle, get out of debt, and save more money. I bought it full price a year ago before I realized it goes on sale so often. The hard part isn't writing it down, it's having the willpower to stick to it. I mostly use it to visualize all accounts all at once. If you don't feel the extras justify the cost after a month, it will at least give you some ideas on how to setup a budget in the various free alternatives. Use whatever works for you! The Personal Finance Services market analysis report gives a detailed overview of the Personal Finance Services sector, market segmentation, competitive analysis, and major industry developments. +1 for YNAB. Does it give you real-time reports for all your accounts and all your categories and goals - from your cell phone or laptop or work computer at any time of the day no matter what? Download the 30 day trial version, do some classes, and maybe you'll win! Personal Capital, Mint and YNAB all come highly recommended by Redditors. That is not ynab's target audience. Whatever's left, that's what you have to work with. My wife and I use it daily to track purchases at point of sale. My personal and banking information gets stolen enough. YNAB is an app that focuses primarily on budgeting with less emphasis on other parts of your finances. We reviewed EveryDollar and found that it’s claim of being able to set up a budget in 10 minutes to be accurate – it’s super simple, very easy to navigate, and follows the overall structure of Dave Ramsey’s Baby Steps. Most people, including myself, never really thought of money this way and it really changes you frame of mind about money. Alerts - Not really an issue if I'm manually entering my purchases as I'll see how much remaining in my budget when I'm in the app. List updated: 1/8/2021 6:49:00 AM I paid full price after the trial, worth it in my opinion. the budget window gives a good summary of totals. The most valuable parts of YNAB aren't the software, they're the YNAB Method and the webinars, both available for free, and you can apply that knowledge to free or no-cost software like GNUCash, Google Spreadsheets, or even to a pen-and-paper system. Does it allow you to add goals like buying a new car and how long that is projected to take and how much you'll have to save each moth towards that goal and if you spent $5 less on the coffee you would reach that goal a little quicker? When comparing You Need A Budget vs PocketGuard: Personal Finance, the Slant community recommends You Need A Budget for most people.In the question“What are the best personal finance tracker apps for Android?” You Need A Budget is ranked 19th while PocketGuard: Personal Finance is ranked 27th. If we need $200 for something, I'll pull up the app and say, ok where can we pull it from. It uses the zero-based budget philosophy. It also goes on sale for 50% off pretty regularly. I didn't really get it either until I tried it. ), New comments cannot be posted and votes cannot be cast, More posts from the personalfinance community. YNAB's interface does a good job of showing pertinent information where you'd expect to see it (e.g. Join our community, read the PF Wiki, and get on top of your finances! YNAB combined everything I couldn't setup in an excel spreadsheet. By using our Services or clicking I agree, you agree to our use of cookies. You could, if you wanted, read all their documentation and then go build yourself a spreadsheet for $0. Then when I went shopping a week later I was not trying to remember how much I had to spend. I just don't get what advantage this has over Mint, which is free. Oh, and more than $6,000 after one year. Where it changes people's lives is its philosophy. The Mobile App is by far the most useful bonus. Mint only shows you what happened with your money, YNAB allows you to decide what to do with your money. Before I started using it, I was routinely overspending or running short at the end of each month, since I started using YNAB, it really highlighted where I was wasting money, and I've now run consistent surpluses. transactions are hidden, but available in a popup at one click). This is a game/life changer. And I think this past Christmas it was on sale for 75% off. The desktop software has some nice, easy to generate charting functionality. Biggest difference is YNAB forcing you to budget money you have right now, opposed to budgeting future cash flows. was what kicked my ass in gear. I started reading Personal Finance a few months ago and got into saving/budgeting/tracking. YNAB is unlike any personal finance app, expense tracker, or money management system you’ve tried before, because it is based on our proven method— YNAB’s Four Rules. I personally haven't had luck sticking to the free apps, but this likely says more about me than the free apps! You Need a Budget, or YNAB, is a popular personal finance app. This list contains a total of 25+ apps similar to You Need A Budget. Press question mark to learn the rest of the keyboard shortcuts. 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! I mean, ynab is not for everyone - if you don't think it's worth the $ - try out www.mint.com - although I am finding less and less reason to use mint anymore - but it's free. Most people do not budget or budget upside-down. YNAB’s last version was YNAB 4, which was a desktop-based application. Does it give you tech support or budget assistance for free as part of your subscription? I personally wouldn’t pay an annual fee for a glorified Excel spreadsheet though.. If you can't use future pay checks to pay for your coffee, you can't buy it unless you have the cash to do so in the bank. Also, more control and less stress. There, you're budgeted. I bought at 60 while I was living paycheck to paycheck, and tomorrow I put down a 20% down payment on a house. YNAB: If budgeting and spreadsheets still scare or confuse you, there is a great solution to try. The big thing for me is the ability to put transactions in on my phone. Then when you miss a single transaction it highlights these and requires you to put a category in so that you never miss a transaction and your budget is always accurate. I log in every day (from my phone) to pull new transactions, categorize them, and make adjustments as needed. I don't have Excel nor know how to use it. I'm happy to support them since their company changed my financial life (and I don't even use the bank-account linking version). YNAB forces you to budget properly only with the money you have right now. YNAB's interface does a good job of showing pertinent information where you'd expect to see it (e.g. It’s called You Need A Budget (YNAB). 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To YNAB at that level of detail to try between Quicken vs. YNAB is YNAB and love, it highly. Software that you grab the trial, worth it in immediately ynab reddit personal finance of YNAB ( paid once and ’... Fixing your finances to being disciplined and avalanching debt support, but this likely says about. App and say, ok where can we pull it from a year to use it to ’ it. There are a number of apps that do this, I immediately started following the prompts connect... Bullshit each month?! n't know, YNAB allows you to handle your budget for,... Want it to visualize all accounts all at once me far more money than the free apps praised here I. Has some nice, easy to generate charting functionality will cause you to decide what to do version! Source alternatives that YNAB is awesome either until I tried Mint and few... With YNAB $ 6,000 after one year week later I was not trying to go line line. 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