Are you tired of living paycheck-to-paycheck? Maybe you don't see any way around it. That's what the founders of YNAB, You Need a Budget, think too. They are here to help you change that way of thinking by showing you how to live on last month's money.
Overall Score | 3.5 |
Price | 3.5 |
Goal Tracker | 5.0 |
Customer Service | 4.0 |
Budgeting | 5.0 |
Investment Tracking | 1.0 |
Retirement Planning | 2.5 |
YNAB is mentioned in best personal finance software Track your budget and record and edit financial transactions, profits and expenses. Don't mix your data of spendings and incomes and insert them separately. Sync the data between all your devices and store it in a cloud. The downside of YNAB is the cost. Mint and Personal Capital are free, but YNAB is $6.99 a month, billed annually at $83.99. The service typically offers a free trial for a month or two. How to Apply YNAB's Method for Free With Google Sheets. Even after my initial success with YNAB, I'm no longer using the service.
Pros and Cons
- Teach you how to budget
- Create and fund goals
- Large help center
- Expensive annual fee
- Poor investment and retirement tracking
- No auto sync
Bottom Line
Excellent budgeting app without extra bells and whistles
YNAB is strictly budgeting software. You won't be able to view your net worth, track your investments, or get investment advice. What this app does is help you think ahead. They want you to plan for upcoming bills so that when they happen, you aren't in a mad dash to find money to cover it.
The founders of YNAB feel that the longer you can live off the money you made in the past, the more financial freedom you will have. Even if you aren't to the point that you can live off of 'old money,' the program aims to help you learn how to put an end to living paycheck-to-paycheck. If that means you can get out of debt or realize a small amount of financial freedom, then their mission is accomplished.
With YNAB, every dollar has a job. In other words, no money sits without a category. Don't worry—you won't do this alone. YNAB offers several types of support to get you on your way.
Keep reading to see if YNAB is something you might want to consider to get your budget on track.
How Does It Work?
YNAB works similar to many other budgeting programs. You create the categories, import or enter your transactions, and see how you fare. Where YNAB differs, though, is in its principles. Their basic rules are as follows:
- Every dollar needs a job. In other words, you must assign a category for every dollar you make. This might sound strange, but it helps you avoid unnecessary spending. It also helps you stop living paycheck-to-paycheck. The goal is to get ahead so that you live on last month's money.
- Embrace your true expenses. YNAB wants you to put money aside for large expenses a little bit at a time. Think of the bills you owe once a year or every six months. Do you panic when they roll around because you don't have the cash? YNAB helps you allocate funds for these bills on a monthly basis. This is in an effort to give you more control over your budget.
- Roll with the punches. In other words, give yourself a break. If you go over budget in one category, make adjustments. Don't just throw in the towel and give up on budgeting. Deal with the issue and keep moving forward by learning from the issue.
- Age your money. In other words, stop timing your bill payment to paydays. Live on 'old money.' At a minimum, YNAB wants you to live on last month's income. You'll see the age of your money right on the dashboard. The higher that number, the better you are doing.
What Are the Fees?
YNAB charges a monthly subscription fee of $6.99 per month. They bill you annually, though, at $83.99 per year. They do offer a no-risk, 100% money back guarantee if you are unhappy with the program. This requires you to email them and explain your reasons, though. If you do cancel mid-subscription, they do offer a pro-rated refund for the unused months in your subscription.
Students may receive one year of free service by emailing student@ynab.com and providing proof of your enrollment. Your student ID, tuition bill, or transcripts usually suffice.
Reasons We Like YNAB
- YNAB helps you plan for the future. If living paycheck-to-paycheck makes you lose sleep at night, you may enjoy the YNAB way of living. While you won't transform your budget overnight, you will have support getting to the point that you can live on 'old money.' If you stick to the principles of YNAB, you may find yourself planning for the future rather than scrambling to pay this month's bills.
- You can access your finances on-the-go. YNAB has a mobile app that mimics what you see on your PC. This makes it easier to enter transactions as they happen. You can even share your finances with your spouse. This may help keep both of you on the same page rather than arguing about spending.
- YNAB is web-based, which means automatic syncing across all devices. The changes you make on your PC will automatically sync to your mobile app. In other words, when you look at your YNAB program, you are looking at real-time data.
- You can set goals. The goals are pre-set, which some may see as a downside. But you can choose to set a generic savings category or set a savings category with a specific deadline. Either way, the program shows you how close you are to your goal with graphic representation. It also provides a blurb of advice on how to get back on track to meet your goals.
- You can automatically import bank transactions from your bank account. If you link your bank account to your YNAB platform, you can import transactions that are at least 24 hours old with the click of a button. You may also use file import if your bank isn't listed in YNAB for automatic import. You may also choose this option if you aren't comfortable sharing your login credentials.
- You don't have to automatically import your transactions. You can still use the 'old fashioned' method of manually inputting your transactions. In fact, YNAB recommends that you input transactions immediately on your mobile app. If you use the import function, the program will automatically match up with the entered transactions, assuming they are identical. If not, then you know you have reconciling to do.
- You get visual reminders when you spend more than you budgeted in a category. If you overspend cash in a category, the category turns red. YNAB hopes that this will help you adjust other categories and make up for the overspending. In other words, it's a warning that you are about to overdraft your checking account if you aren't careful. Those visible reminders can be helpful.
- You can tell when you overspend on a credit card. If you link your credit cards and you overspend, your category will turn orange. This doesn't mean you are about to overdraft your checking account. But it is a reminder that you just increased your credit card debt and have to adjust your cash budget accordingly.
- YNAB offers a lot of opportunities for education on their website. If you like to read blogs, watch podcasts, or have access to weekly videos, you'll love the support section offered by YNAB.
- You can get support from others on the YNAB forum. Sometimes it helps to hear from others in a similar situation. In the YNAB forum, you can get support for the platform itself, ask budgeting questions, or read about other users' success stories using YNAB.
Reasons You May Want to Look Elsewhere
- You can't track your investments. YNAB is strictly budgeting software. Other programs offer both budgeting and investment tracking, helping you track your net worth better. YNAB only tracks checking, savings, cash, credit cards, and lines of credit.
- You can't call customer service. If you have a question, you have to resort to sending a message via YNAB online. They claim to respond to your question within 24 hours. That's not exactly quick customer service, especially if your question is urgent.
- Your data isn't erased for three years after canceling. If you decide YNAB isn't for you, your data remains in their database for three years after cancelation. If this bothers you, there is an option to email them and ask for immediate deletion of your account.
How Does It Compare?
Mint: Mint offers its budgeting services free of charge. With online synchronization, visual graphics of your accounts, and a mobile app, it offers features similar to YNAB. Mint does offer investment tracking and credit score tracking as well. Their customer service options are as limited as YNAB, though.
Quicken: Quicken is the household name for personal financial software. Its yearly subscription fees are on par with YNAB, but the similarities end there. Quicken offers online bill pay services, investment tracking, and even retirement planning. They offer 24/7 customer service as well. A downside, though, is the complicated nature of the program, making it overwhelming for new users.
EveryDollar: If you want a free budgeting software tool, EveryDollar might be a better option. If you don't mind manually entering your transactions, you can use EveryDollar free of charge. If you want automation, you'll pay an annual subscription fee. EveryDollar is a fairly barebones program, as it doesn't offer bill payment, investment tracking, or even bill management. It's a back-to-basics program to get you started on a budget.
Bottom Line
If you want to automate your budget and stop living paycheck-to-paycheck, YNAB could be the answer you need. Because its main focus is on budgeting, you get a few more bells and whistles that help keep you on track.
Their tutorials and educational material are hard to surpass, which makes it a good program for users who never truly had a budget. If you are looking for a fresh start, YNAB may be just the program for you. If you are a seasoned budgeter and have investments you want to track, you may want to look elsewhere.
Note: This website is made possible through financial relationships with some of the products and services mentioned on this site. We may receive compensation if you shop through links in our content. You do not have to use our links, but you help support CreditDonkey if you do.
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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
Ynab 4
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.
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.
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.
Ynab Classic
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.
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.
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.
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.
Ynab Classic
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.
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.
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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.
