If you're looking for an alternative to You Need a Budget, you're in the right place.
I'm a fan of You Need a Budget because I've seen it evolve over the years. I remember YNAB4 when it was a software application you purchased. I remember when it transitions to a monthly service. I remember how upset people were but I felt from a business perspective, it made them better suited to invest in the business to make it even better.
What I remember most is their philosophy and the Four Rules of YNAB:
Aug 30, 2019 You Need A Budget, also known as YNAB, is budget tracking software that runs on both Windows and Mac via web — saving automatically to the cloud, which is a bonus for multi-platform users. It also features native apps for iOS and Android, so you can literally tackle your budget from anywhere.
It was a simple framework that changed how so many people approached their money.
I thought what they were doing with Live Workshops was brilliant, the Whiteboard Wednesdays were always strong, and I always found Jesse to be hilarious with his dry wit and sense of humor. I am a big fan of both the YNAB software and the company.
If you're here, you're thinking about replacing them – not for me to sing their praises – so I want to share some good options. There are several reasons why you might be looking to replace YNAB. The best alternative for you will depend on why you're replacing it.
Was it the recent price increase?
Did you feel like you outgrew YNAB?
Did you feel like you could do it on your own?
Why Do You Want to Switch?
The YNAB Price Increase – YNAB used to be $50 a year, billed annually. It will now be $6.99 a month, still billed annually so $83.88. It's a sizable percentage increase but not a significant dollar increase, just under $3 a month.
I think it's worth $3 a month for YNAB but long-time users have had to navigate two pricing changes the last few years – first, when the software went from a flat fee to a monthly fee; now, to a slightly higher monthly fee.
To put it into perspective, EveryDollar is a budgeting app that has a free component but costs $129.99 a year for their Ramsey Plus (they rebranded it and added features to what was previously EveryDollar Plus).
Ynab. Personal Budgeting Software For Windows Mac Ios And Android
It follows Dave Ramsey's Total Money Makeover approach, has a similar “give every dollar a name” philosophy, and is on a freemium model. That means the app is free but if you want to connect financial accounts, download data automatically, that'll run you $129 a year. It's still cheaper than one of their most similar alternatives (which we don't list below because it's more expensive).
You've Graduated – Congratulations! YNAB has put many people on the path to sound budgeting with its “Every Dollar Needs a Job” mentality. If you're ready to graduate to a free tool without as much guidance, then there are several options below. Best free photo organizing software mac 10.
If you need less guidance and you want more support in the area of investing and retirement planning, my best recommendation is Personal Capital. It offers a personal finance dashboard that lets you plan for your investments and retirement better than any of the alternatives.
If you need less guidance and just want to track your budget, my best recommendation is Mint. Track your budget automatically, completely free, but you don't get the same philosophy and guidance as YNAB. We compare YNAB vs. Mint in a head to head comparison that you can use to decide if mint is the one for you.
What We Looked For
You chose You Need a Budget for a specific reason and it's not just to “track your budget.” There are a ton of budgeting apps out there and most of them are free. Bagpipe music writing software for mac.
You chose YNAB because of the philosophy and how the tools married with those philosophies. You wanted more than a simple tracker tool.
We also didn't include alternatives like EveryDollar (until the end) because they were more expensive. We recognize YNAB is pretty solid on features so you're probably looking for a cheaper replacement rather than a more expensive one. (if we're wrong, let us know!)
Here are the best (and cheaper) alternatives to You Need a Budget:
1. TillerYnab. Personal Budgeting Software For Windows Mac Ios And Android![]()
Manage apps in itunes on mac. What is Tiller?Tiller is an automation tool that integrates with Google Sheets so you can build your own budgeting spreadsheet while pulling in data automatically from your accounts. It's the customization of
Why is it a good YNAB alternative? First and foremost, they have a way to import your YNAB budget into a Google Sheet. So if you wanted to make the transition, it's super easy.
Second, and this is more about spreadsheets than about Tiller specifically, but you get complete control and customization with Tiller powering your spreadsheet. You tailor the spreadsheet to exactly what you want and they pull in the data so you avoid the manual data entry. I use a spreadsheet for this very reason.
Tiller is just $79/year after a 30 day trial.
2. Personal Capital
What is Personal Capital? Personal Capital is a personal finance dashboard that will aggregate all of your accounts in one place. They have a premium financial advisory service as well as wealth management, but those are optional (I don't use them). There are also powerful planning tools, like planning future income in retirement based on your expenses, that really make it a 30,000 foot view other tools don't even try to do.
Why is it a good YNAB alternative? 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. I don't mean “higher level” as in “better” or “superior,” I mean 30,000-foot view vs. 10,000-foot view.
Budgeting is crucial but it has a short-term view. You may budget your paycheck, which may be weekly, bi-weekly, or monthly. You may budget annually too – but you won't be budgeting from now until your retirement. That's why a tool like Personal Capital can be valuable – giving you visibility on the long term view.
Personal Capital is free.
3. Mint
What is Mint? Mint is one of the oldest budget tracking packages out there and they are owned my Mint, who were the former owners of Quicken. Mint has everything you need in a budgeting app and is completely free. Many of the budgeting tools may sound familiar to YNAB but they will take getting used to it. You have bill pay functionality as well plus additional features like credit monitoring and some investing tracking (but no recommendations or advice).
Why is it a good YNAB alternative? If you need a budget but don't want to pay for You Need a Budget, this one gets you all the budgeting functionality at absolutely no cost.
Mint.com is free.
4. CountAbout
CountAbout was designed specifically to be an alternative to Quicken, which is one of the oldest and most popular budgeting packages out there. CountAbout was founded in 2012 and offers a very rich feature-set at a very modest price. It costs just $9.99 for the Basic and $39.99 for Premium (which includes automatic transaction download).
Here are some of the other key features, making it a solid budgeting tool without the monthly fee:
5. EveryDollar
EveryDollar is a very basic budgeting tool created by the team behind Dave Ramsey, using his principles for managing money. 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.
It is a freemium product with the free version letting you do everything the budgeting tool offers. https://greatvc434.weebly.com/best-file-recovery-software-mac-2017.html. There is an EveryDollar Plus (now part of Ramsey Plus) that's $129.99 per year which adds in automatic transaction downloads and a few other features. With the Free version, you have to manually enter all of your transactions.
Conclusion
If You Need a Budget has served you well, my recommendation is to find a few bucks each month to continue paying for it. No tool offers what it does at a cheaper price and there's a reason why it's one of the most popular personal finance tools out there – it works.
One of the nice things about many of the recommendations on this list is that they have trials or are completely free. Keep with YNAB, try one of the alternatives we listed, and if it wins – switch. If it doesn't, you won't have lost a step with your existing budget.
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Need help with managing and saving money?
When it’s your birthday, a festival or you have a big shopping list, getting personal finances under control, sticking to a budget and handling investments isn’t easy. But with given plethora of personal finance apps out there this can be made possible.
On Play Store and App Store you can find number of budgeting apps. But not all money management apps are worth downloading. Hence to save you from some of the guesswork here we enlist the top personal finance apps of 2019. Each of the apps listed below are considered “best” for a particular purpose.
Let’s know what are the reasons.
Why These Apps are Best Personal Finance Apps?
In addition to these apps there are several other top personal finance apps that we have listed. All these apps will help you in personal finance management.
Best Personal Finance Apps to Manage Money
Without further delay, let’s begin discussing our first best personal finance tracker app for Android and iOS.
1. Mint: Best Money Management App
With over 15 million users, Mint is an effective and one of the premier personal finance apps. Using this free budgeting app you can create a budget, track your spending and get smart about your money. Intuit Inc. (INTU)—the company behind QuickBooks and TurboTax—offers this amazing personal finance and budget management app.
This app lets you link various financial accounts, credit cards so that you can access and manage your finances at one place. Not only this Mint even lets you know when your bills are due, what you need to pay, and what you can afford based on availability of funds. Alongside none of the personally identifiable information is shared with any third parties.
Free credit score is the bonus point of Mint. It is best for managing personal finance, investors, smartphone users, budgets and bill payment. Moreover, Mint is the answer to which is the best financial budget app?
2. You Need a Budget: Best personal budgeting app
You Need a Budget popularly known as YNAB. Unlike Mint this one is a paid budgeting app. Using this app you can keep a check on your expenses and monitor income. No need to enter your transactions manually by simply clicking the Import button at the top of your account you can connect your back with third party provider and import all the transactions.
This personal finance management is available for both Android and iOS and is worth every penny you spend. It helps save more money than you spend on buying YNAB. The money management and personal budgeting app works on three rules:
3. Wally: Best personal finance tracking app
If you like to stay organized with your personal expenses as you do with your tax reports, Wally is the easiest and fastest way to do it. This personal finance management app helps track day to day expenses, set budget, reach your financial goals, add tags to notes, plan upcoming payments, manage foreign currency transaction, etc.
Wally gives you control of your finances by helping you set weekly, monthly, or custom budget periods. This app is perfect for families, friends, households. This app lets you manage joint accounts, share spendings, keep everyone in sync, share a budget and more. Wally is #1 personal budget and finance management app in 22 countries.
4. Acorns: Best finance guide to invest your spare change
Want to become good with finance management? Acorns is the app that will help you with it. This personal finance app is free for college students and will help invest, save and spend responsibly. With over 5 million investors Acorns is one of the best investment apps.
Acorns automatically invests spare change from everyday purchases. This means when you make a purchase with a card connected to the app, Acorns rounds it up to the next highest dollar and automatically invests the difference in a low cost exchange traded fund.
5. Best Cryptocurrency App: Coinbase’
The fate of cryptocurrencies has been in limbo yet you find people investing in it. Coinbase is a financial management app that helps track movements in the crypto market. Coinbase provides real time information about Bitcoin, Bitcoin Cash, Ethereum, Ethereum Classic, and Litecoin.
Using this cryptocurrency app you can receive payout directly to your bank account . Moreover, Coinbase offers a debit card to spend cryptocurrency with a partner that supports Visa or Mastercard system.
6. Robinhood: Best Investment App
A game-changing investment app that offers unique and unbeatable features. Robinhood personal finance app is for college students, professionals, and everyone. No need to pay commissions on stock, no minimum account, streamlined interface are few benefits of this personal finance management app.
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Moreover, what makes Robinhood one of the best budgeting and investment app is you can access real time market data before buying stock coin or anything. Robinhood uses cutting edge technology and security measures to protect investor assets and personal information.
7. PocketGuard: Best way to simply personal finance
Whether you want to keep track of your spending, make a budget or save more money PocketGuard is your go to app. As the name implies, PocketGuard helps stay on top of your finances by guarding you from spending too much. This budgeting app helps link your credit cards, keep a check on savings, investment, loans. Using PocketGuard you can see all your financed in one place.
Pocket Guard is one of the best finance apps for iOS and Android as it categorizes all your transactions when they take place. Moreover, it helps understand where you spend your money and how you can save it. In short it makes you smarter when it comes to money management.
Furthermore, this top finance app automatically builds a personalized budget, based on income, bills and goals you set.
8. Goodbudget: Best personal finance apps for couples
Goodbudget is a budget tracker for couples, if you want to share your expenses with your partner this is the best app. Goodbudget helps spend, save and keep a track. This virtual budget program keeps you on track with family and friends.
Goodbudget finance app for iOS and Android is based on envelope budgeting method and it helps put budget into action with the people who matter. This makes it one of the best personal finance apps for couples and is the answer to which is the best personal finance apps for couples.
So, this is a comprehensive list of best personal finance budgeting apps. Using any of these apps you can manage your budget, save money, and stay organized. Hope after reading this list you have the answers for questions like:
Which is the best financial budget app?
Which is the best free personal finance app?
Which is the best finance apps for couples?
Which is the best finance App for iPhone and Android?
All the apps listed above are best in their own way. Everyone wants to save and budget better, and with these budgeting apps you can actually save and pay bills more efficiently. Do let us know which personal finance you liked and why? Bonus: Most of the apps listed are best free personal finance apps for Android and iOS.
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