1. Ynab Classic Desktop Software
2. Ynab Classic Desktop Wallpaper
3. Ynab Desktop App
4. Ynab Desktop Version
5. Ynab Classic Desktop App

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.

Ynab Classic Desktop Software

There are many reasons why budgeting is important, and these tools will help you to do it better.

Download YNAB Classic for PC - free download YNAB Classic for PC/Mac/Windows 7,8,10, Nokia, Blackberry, Xiaomi, Huawei, Oppo - free download YNAB Classic Android app, install Android apk app for PC, download free android apk files at choilieng.com. Central to You Need a Budget (YNAB) is the concept of a “living budget,” or one that changes as your financial needs evolve. The entire YNAB system revolves around four simple rules: give every.

In This Article

• Top YNAB Alternatives

Top YNAB Alternatives

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. Trusted Windows (PC) download YNAB 4.3.857. Virus-free and 100% clean download. Get YNAB alternative downloads. Official support for YNAB 4 will end October 31, 2019. This primarily impacts Mac users upgrading to Mac OS (Catalina), however, there appears to be a workaround. It's been almost two years since You Need a Budget switched to a web based, subscription model for their software.

There are a few different options you may want to check out if you’re looking for YNAB alternatives. Each one helps you reach your financial goals better, but they all work differently.

Here are some details on each of the five You Need a Budget alternatives we found.

1. Tiller Money

Tiller Money is an awesome YNAB alternative. It’s great for budgeting, expense tracking and deb payoff.

The main difference between Tiller and the other options on this list is that it uses Excel and Google spreadsheets.

When you sign up with Tiller Money, you link up your accounts, just as you do with YNAB. Next, you’ll create customized spreadsheets to help you manage your money, such as:

• Monthly budget spreadsheet
• Debt snowball spreadsheet (yes, it’ll help you get debt-free using the debt snowball method)
• Net worth tracker
• Weekly expense tracker

The worksheets are attractively designed and super easy to view and use. In fact, I signed up for Tiller a while back and am loving it. It’s thorough but easy enough for tech novices like me to use.

And it’s affordable. Tiller Money costs $79 a year. That averages out to $6.58 per month.

Read more about it in my full review of Tiller Money.

Automated Email Updates

Another great feature of Tiller Money is that it’ll send you an email every day. The email notifies you of any new transactions that occurred in your accounts in the previous 24 hours.

To me, this is a nice way to ensure you can catch any unauthorized transactions on your accounts early. And it’s nice to see how much money I spent the day before at a glance. All in all, the system is pretty thorough.

Tiller Money vs. YNAB

The main difference between Tiller Money and YNAB is the customization aspect. Tiller Money does a great job at creating great spreadsheets that are completely customizable.

And it’ll automatically update every spreadsheet you create. Bonus: Tiller Money is cheaper than YNAB by about $2 a month. That’s not a lot, but we budget-obsessed people know that it all adds up.

2. Personal Capital

Personal Capital will help you manage your money. However, it does so in a much more comprehensive way than YNAB. I’d say that Personal Capital is the best of the YNAB alternatives.

When you sign up with Personal Capital, you start by linking all of your financial accounts. You’ll include checking, savings, credit card, loan, retirement and investment accounts. Now you’ve got a complete picture of your entire financial situation in one place.

Next, you need to choose between the services Personal Capital offers. One is a free financial tracking service. The others are paid financial advisory, wealth management and private banking services.

Free Financial Tracking

The free financial tracking tools help you keep an eye on your overall financial situation. It’s nice because you don’t have to check each account manually online.

Instead, you just pull up your Personal Capital account and get a full view of your net worth and financial picture. This service is completely free.

That said, you will regularly get calls from advisers whose goal is to have you upgrade to a paid service. You may find these annoying. Just keep in mind that you are not required to upgrade. As long as you follow the terms and conditions, you can use the free service for as long as you want.

Paid Advisory Services

Personal Capital also offers to manage your investments, for a fee. If you sign up for paid services, you’ll get access to a team of financial advisers. There’s a $25,000 minimum investment for this service, which is higher than competitor websites. If you’ve got $200,000 or more, you’ll get two dedicated financial advisers.

As of this writing, the fees for investment services are as follows:

• 0.89% annually for the first $1 million
• 0.79% annually for $1 million to $3 million
• 0.69% annually for $3 million to $5 million
• 0.59% annually for $5 million to $10 million
• 0.49% for over $10 million

These are also higher than competitors’ fees. Wealthfront, SigFig and Betterment for example, charge 0.25% to 0.35%. But Personal Capital’s overall package is considered one of the most comprehensive in the field.

Personal Capital’s Free Tool vs. YNAB

The main difference between YNAB and the free Personal Capital tool is that the Personal Capital tracking tool gives you a long-term view.

With YNAB, you can manage your budget in line with your paycheck. It’ll help you manage your money for the current week, two-week period or month.

Personal Capital is able to give you a big-picture, long-term view of your money. This is because it includes retirement and other accounts. Also, it shows you how your retirement savings picture looks based on your current spending.

It pulls together current spending numbers, spending goals and more to help make sure you’re on track to save enough for retirement.

Plus, this version of Personal Capital is totally free. You’ll only pay if you decide to use their advisory services.

3. Mint

Mint was founded in 2006 and is currently owned by Intuit. It offers you a way to budget and track your money in one place. And it’s one of the most popular YNAB alternatives.

Like the other services listed here, Mint gives you easy access to your bank, credit card, investment and loan accounts all in one place.

It’ll also send you alerts if your bank account is running low or you have payments due on loans or credit cards. This is a nice feature because it helps ensure that you won’t accidentally forget to make a payment.

Late payments often result in late fees and raised interest rates. So in that way, Mint can help you save money.

In addition, Mint will let you know how much you’re paying in ATM and other fees. And it’ll alert you if there are any large or unusual transactions on your accounts.

Bonus: Mint helps you keep track of your net worth. It’s displayed at the top of your account every time you sign in.

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.

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.

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.

If you're looking for an alternative to You Need a Budget (YNAB), you're in the right place. I’ve been closely following YNAB as it’s evolved over the last few 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.

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. Whether it was the recent price increase, outgrew the product, or you feel like you could do it on your own?

With plenty of options we breakdown the top 5 YNAB alternatives below.

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).
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.
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.
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!)

1. Tiller

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.

Why is Tiller 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, which makes it slightly cheaper than YNAB. If you start using it and are able to save more money in your budget, those savings could easily pay for Tiller. Read our Tiller review for a deep look at what makes this tool so great.

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:

• Imports data from Quicken and Mint
• 12,500+ financial institutions
• Multi-factor login protection
• Android and iOS apps
• Category customization (add, delete, rename)
• Tags (add, delete, rename)
• Reporting for Account balances
• Reporting for Category activity
• Reporting for Tag activity
• Report exporting

• Individual Account QIF importing
• Budgeting
• Running register balances
• Account reconciliation
• Graphs for Income & Spending
• Recurring transactions
• Investment balances by Institution
• Memorized transactions
• Split transactions
• Description renaming

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.

Ynab Classic Desktop Wallpaper

It is a freemium product with the free version letting you do everything the budgeting tool offers. 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

Ynab Desktop App

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.

Ynab Desktop Version

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.

Ynab Classic Desktop App