You Need A Budget

You Need A Budget

You Need A Budget (YNAB) is a popular personal budgeting app and service designed to help users gain control over their finances. It allows linking bank accounts to automatically import transactions and uses an envelope budgeting methodology to help users plan ahead and assign mo
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budgeting expense-tracking bank-sync

You Need A Budget (YNAB): Personal Budgeting App

You Need A Budget (YNAB) is a popular personal budgeting app and service designed to help users gain control over their finances. It allows linking bank accounts to automatically import transactions and uses an envelope budgeting methodology to help users plan ahead and assign money towards specific spending categories each month.

What is You Need A Budget?

You Need A Budget (YNAB) is a web and mobile personal budgeting application designed to help users gain complete control of their finances through envelope-style budgeting methods. YNAB aims to change users' money habits and behaviors for the better through four key rules - give every dollar a job, embrace true expenses, roll with the punches, and age your money.

Some key features of YNAB include:

  • Automatic import of transactions from linked bank, credit card, loan, and other financial accounts
  • Easy-to-use interface to create budgets, categorize spending, schedule transactions, and track goals
  • Reporting tools to gain meaningful insights on income, expenses, account balances over time
  • Flexible budgeting methods that allow users to shift money between categories each month
  • Web and mobile apps synced across devices
  • Secure encryption and protection of sensitive financial data

YNAB uses a subscription model that gives access to all features for a monthly or annual fee. It offers a 34-day free trial for new users to test it out. YNAB aims to help users change behaviors and take control of their money for good.

You Need A Budget Features

Features

  1. Envelope budgeting system to plan expenses
  2. Automatic import of transactions from linked accounts
  3. Goal setting tools
  4. Mobile app with budgeting on the go
  5. Reports to analyze spending habits over time

Pricing

  • Free trial
  • Monthly subscription
  • Annual subscription
  • Lifetime purchase option

Pros

Intuitive interface

Flexible budgeting methods

Easy to use on all devices

Helps manage finances and save money

Cons

Steep learning curve

Can take time to set up

Monthly or annual subscription fee

Limited free version


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Geltbox money

Geltbox money is a versatile personal finance and budgeting software designed to help users take control of their finances. The software connects to users' bank and credit card accounts to automatically import and categorize transactions.Key features of Geltbox money include:Spending tracking and analysis - Automatically tracks where users are spending...
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Ripsaw Wealth Tools

Ripsaw Wealth Tools is a comprehensive financial planning and portfolio management software designed specifically for financial advisors and wealth management firms. It consolidates key functionality like CRM, portfolio accounting, trading platforms, performance reporting, and proposal generation into one integrated solution.With Ripsaw, advisors can efficiently manage client portfolios across household groups,...
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Dryrun

Dryrun is an open-source load and performance testing tool designed for testing web applications. It simplifies the process of creating and running load tests to help identify performance issues, bottlenecks, and ensure apps can handle expected user traffic.Key features of Dryrun include:Recording user sessions into reusable test scriptsAbility to parameterize...
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KiwiBudget

KiwiBudget is a free, open-source personal finance software designed to help users take control of their finances. Developed specifically for Windows, KiwiBudget provides a user-friendly interface to set budgets, track spending, manage savings goals, and stay on top of bills.Some of the key features of KiwiBudget include:Income & Expense Tracking...
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Decent Budget

Decent Budget is a personal budgeting and finance tracking application designed to help users take control of their spending and saving habits. It has an easy-to-use interface that allows users to set up customized budgets across different spending categories like food, entertainment, housing, transportation, etc.Key features of Decent Budget include:Ability...
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FinancialFate

FinancialFate is a comprehensive personal finance software designed to help individuals and families better manage their money and achieve their financial goals. With robust budgeting and money management tools, FinancialFate makes it easy to track income and expenses, create budgets, analyze spending habits, plan for retirement, manage investments, and more.Key...
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OrgFinances

OrgFinances is an open-source personal and small business finance manager software. It helps individuals and small businesses track their income, expenses, investments, budgets, and net worth over time.Key features of OrgFinances include:Income and expense tracking with running balancesSupport for recurring transactions like rent, subscriptions, or payrollInvoicing and accounts receivable trackingInvestment...
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SSuite My Money Manager

SSuite My Money Manager is a comprehensive personal finance software used for expense tracking, budgeting, investment management, and organizing financial data. It allows users to link bank, credit card, loan, and investment accounts to automatically download transactions and balances.Key features of SSuite My Money Manager include:Expense tracking with customizable categories...
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Fortora Fresh Finance

Fortora Fresh Finance is a cloud-based financial management platform aimed at small and medium-sized businesses and startups. It provides a suite of accounting and financial planning tools to help business owners gain insight into their finances and make better decisions.Key features of Fortora Fresh Finance include:Invoicing - Create, customize and...
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Kashoo

Kashoo is an online accounting and bookkeeping platform designed specifically for small businesses. Some key features of Kashoo include:Easy invoicing - Create custom invoices, track payments and manage recurring invoices.Expense tracking - Upload receipts and track business expenses.Financial reporting - Generate reports on profit and loss, accounts receivable, sales tax...
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InvestorKeep

InvestorKeep is an investment portfolio management and accounting software designed to help individual investors track, analyze, and report on their investment portfolio performance. The software allows you to track stocks, bonds, mutual funds, ETFs, crypto, and other investment assets across multiple brokerage accounts and investment platforms.Some of the key features...
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Xpenser

Xpenser is a comprehensive personal finance management application designed to help individuals and families better understand and control their spending. It allows users to link all their financial accounts in one place to track income, expenditures, investments, debt, and net worth over time.Some key features of Xpenser include:Automatic import and...
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Rupee

Rupee is a free, open-source personal finance manager and budgeting software. It is designed to help individuals and households track their income, spending, savings, investments, and net worth over time.Some key features of Rupee include:Income, expense, and transfer trackingSupport for multiple accounts, currencies, and usersBudgeting features with custom categories and...
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Metalogic Finance Explorer

Metalogic Finance Explorer is an powerful yet easy-to-use open-source software application for analyzing financial data. It is designed to help financial analysts, business managers, and researchers quickly visualize, explore and gain insights from large, complex financial datasets.With its user-friendly drag-and-drop interface, Metalogic Finance Explorer makes it simple to import data...
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SCheckbook

sCheckbook is a free and open-source personal finance manager software for Windows, macOS, and Linux. It provides users with the ability to track income, expenses, bank accounts, budgets, scheduled transactions, and investments from a single application.Key features of sCheckbook include:Transaction management - Easily enter, edit, and delete transactions. Transactions can...
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InEx Finance

InEx Finance is a free, open-source personal finance manager and accounting software application. It allows users to track income and expenses, create budgets, manage bank accounts, investments, loans and keep a general ledger. Some of the key features include:Income & Expense tracking - Categorize transactions as income, expense, transfer or...
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CashBase

CashBase is a financial technology company that provides a business-to-business (B2B) payments platform. Its main goal is to help companies streamline and automate their payment processes.Some key features of CashBase include:APIs and tools to build customized payment flows and experiencesCapability to easily collect, store, and disburse money from customers and...
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Cubux

Cubux is an open-source, self-hosted live coding platform built to facilitate collaborative coding sessions. It has a suite of features tailored towards developer collaboration, including:Built-in video conferencing and screen sharing to code together in real-timeIntegrated browser-based terminals for running code snippets and debuggingMulti-language code editor with syntax highlighting and other...
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Projex Checkbook

Projex Checkbook is personal finance software designed to help individuals and families track expenses, create budgets, and manage their money. Key features of Projex Checkbook include:Custom categories and budgets - Users can create customized spending categories and set budgets for each to align with their priorities and expenses.Graphical reporting -...
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Finance41

Finance41 is a cloud-based financial planning and analysis software designed specifically for small and medium businesses. It aims to provide easy-to-use yet powerful FP&A; capabilities to companies that typically lack resources for advanced financial systems.Key features of Finance41 include:Budgeting - Build budgets integrated with actuals data. Perform top-down and bottom-up...
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MExpense

mExpense is a feature-rich yet easy-to-use personal finance app for Android. It helps users track everyday spending, create and manage budgets, view intuitive reports and statistics, link bank accounts, and more - making it simple to understand where your money goes.Key features of mExpense include:Add, categorize and manage expenses quicklySet...
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MoneyLine Personal Finance Software

MoneyLine Personal Finance Software is a comprehensive personal budgeting and financial planning application for Windows and Mac. It helps individuals and families track income and expenses, create and manage budgets, analyze spending habits, plan for savings goals, manage debt, and generally take control of their financial lives.Key features of MoneyLine...
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FinTrack

FinTrack is a versatile personal finance app designed to help individuals take control of their financial lives. With robust features for tracking income, expenses, account balances, investments, and more, FinTrack provides a centralized place for users to monitor their complete financial picture.Key features of FinTrack include:Spending & Budgeting Tools -...
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Moneyhawk App

Moneyhawk is a leading personal finance application designed to help users take control of their spending, create and stick to budgets, analyze financial data, and make better decisions with their money. With an easy-to-use interface, Moneyhawk allows users to link all their financial accounts in one place to get a...
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Budgetwise.io

Budgetwise.io is a user-friendly personal finance and budgeting software designed to help individuals and families better manage their money and achieve their financial goals. Some key features of Budgetwise.io include:Linking bank, credit card, loan, and other financial accounts securely to track all transactions and spending in one placeSetting customized budgets...
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Pibi

Pibi is an open-source personal knowledge management and note taking application developed by Pibi Team. It is designed for organizing notes, tasks, web clippings, and documents in a flexible hierarchy using tags and links rather than folders.Some key features of Pibi include:Flexible note organization using tags and links instead of...
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MoneyBag

MoneyBag is a comprehensive personal finance app designed to help users take control of their money and achieve their financial goals. With MoneyBag, users can:Link all their financial accounts in one place for a unified view of their net worthSet budgets, savings targets, and other goals and track progress over...
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Dirigible

Dirigible is an open-source cloud integrated development environment and platform as a service. It provides a web-based IDE for full-stack development of database-centered business applications.Some key features of Dirigible:In-browser coding, debugging and testing of applicationsSupport for JavaScript, SQL, Java, XML, CSS, and other languagesBuilt-in database connectivity and modeling toolsVersion control...
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Spending Diary

Spending Diary is a personal finance application designed to help individuals track their spending, create budgets, and better manage their finances. With its easy-to-use interface, users can quickly log transactions, categorize expenses, and view insightful reports on spending habits and trends.Key features of Spending Diary include:Transaction logging - Easily enter...
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Orlov

Orlov is an open-source and free project management software application designed as an alternative to Microsoft Project. It provides a wide range of features to help manage projects of all sizes and complexities.Some of the key features of Orlov include:Creating and tracking projects with tasks, due dates, assignments, dependencies etc.Resource...
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Vosae

Vosae is a free and open source video editor available for Windows, macOS and Linux operating systems. It offers a clean, intuitive user interface that allows users to easily import, organize, edit and export video projects.Some of the key features of Vosae include:Multitrack timeline for arranging video, images, audio and...
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Budgetable

Budgetable is a user-friendly personal budgeting and money management software designed to help individuals and families track their finances, set budgets, reach savings goals, and improve their overall financial health. With an intuitive interface and robust feature set, Budgetable aims to make managing personal finances easy and stress-free.At its core,...
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Debtinator

Debtinator is a user-friendly personal finance application designed to help people take control of their debt. It allows users to easily track all of their loans, credit cards, and other debt in one place to get a bird's-eye view of their total debt burden.Key features of Debtinator include:Debt tracking -...
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MoneyManagerNET

MoneyManagerNET is a free, open-source personal finance software application licensed under the GPL. It runs on Windows, Linux, and macOS.Key features include:Manage multiple bank, credit card, investment, and loan accountsSet up budgets and track income, spending, and cash flowOnline banking connectivity to automatically import transactionsScheduled transactions for recurring payments and...
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Saasu

Saasu is an easy-to-use online accounting software designed for small businesses. Some key features of Saasu include:Invoicing - Create, send and track invoices and get paid fasterExpense tracking - Record business expenses and link them to projects or clientsBank reconciliation - Connect bank accounts to automatically import your banking transactionsFinancial...
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OneBudget

OneBudget is an easy-to-use personal finance and budgeting software designed to help individuals and families actively manage their money and work towards financial goals. The software provides a centralized solution to track all spending, create customized budgets that fit users' lifestyles, analyze expenses to identify saving opportunities, stay on top...
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MSums

mSums is a lightweight, easy-to-use checksum utility for Windows. It enables users to generate and verify hash sums to validate file integrity and authenticity. Some key features of mSums include:Supports common hashing algorithms like MD5, SHA-1, SHA-256, SHA-512Open source software released under GNU GPLv2 licenseIntuitive interface for quickly calculating and...
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BRANS

BRANS (Bayesian Network Structure Learning and Inference) is an open-source software application for learning and reasoning with Bayesian networks. Bayesian networks are graphical models that represent conditional dependence relationships between random variables, allowing complex systems to be modeled compactly and inferences to be performed efficiently.Some key features of BRANS include:Graphical...
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SmartAmount

SmartAmount is an easy-to-use yet powerful invoicing and billing solution designed specifically for freelancers, consultants, and small service-based businesses. With SmartAmount, you can:Quickly create professional-looking invoices with custom branding in just a few clicksGet paid faster by accepting online payments and automating payment remindersManage expenses and view real-time financial reports...
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Piggybudget

Piggybudget is a free and open-source personal budgeting and finance tracking app designed for Android devices. With its simple and intuitive interface, Piggybudget allows users to easily track their income, expenses, savings, and budgets over time.Some key features of Piggybudget include:Income & expense tracking - Easily create and categorize transactions...
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My Money Express

My Money Express is a comprehensive personal finance management software designed to help individuals and families better understand and control their finances. With robust expense tracking, customizable budgeting, intelligent reporting, and investment monitoring features, My Money Express provides a one-stop solution for gaining insight into your full financial picture.Key features...
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Savings 2

Savings 2 is a comprehensive personal finance app designed to help users take control of their money and achieve financial goals. With an intuitive interface and powerful tracking tools, Savings 2 makes it simple to create budgets, manage spending, track investments, and grow savings.Key features of Savings 2 include:Expense tracking...
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Budgista

Budgista is a user-friendly personal budgeting and money management app. Designed with simplicity in mind, Budgista helps individuals and families track spending, create event-based budgets, analyze habits, and work toward financial goals like saving for a house, retirement, or college tuition.Key features of Budgista include:Intuitive interface for easy expense tracking...
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Inzolo

Inzolo is a graphic design and content creation platform that can be used as an alternative to Canva. Some key features and benefits of Inzolo include:Intuitive drag-and-drop interface to easily create designs for social media posts, presentations, posters, infographics, and moreLibrary of professionally designed templates to customize for different projects...
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Lunch Money

Lunch Money is a user-friendly personal finance and budget tracking application. It securely connects to your bank and credit card accounts to automatically import and categorize transactions, eliminating much of the manual work typically needed to track spending.Some key features of Lunch Money include:Automatic transaction import and smart categorization to...
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BudgetPolitan

BudgetPolitan is an innovative personal budgeting and finance tracking platform designed to help users take control of their money. As a web-based application, BudgetPolitan can be accessed from any device with an internet connection.One of the key features of BudgetPolitan is the ability to securely connect users' bank and financial...
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Stansoft

Stansoft is a flexible low-code application development platform that empowers users to create custom web and mobile apps for their business needs without writing any code. With an intuitive drag-and-drop interface, Stansoft makes it easy for non-technical users to build sophisticated workflows and applications in a fraction of the time...
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Thrifty

Thrifty is a personal finance and budgeting application designed to help users take control of their money. With Thrifty, users can:Link bank accounts and credit cards to automatically track spending and incomeSet budgets for categories like food, entertainment, bills, etc and get notifications when going over budgetVisualize spending patterns over...
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MoneyBrio

MoneyBrio is a comprehensive personal finance application designed to help users manage their finances, budget, save money, invest, and plan for the future. It has an intuitive interface that connects with users' bank and credit card accounts to automatically import and categorize transactions.Key features of MoneyBrio include:Spending tracking and budgeting...
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Expense Sheet Tracker

Expense Sheet Tracker is an easy-to-use software solution that helps individuals and businesses track expenses over time. Users can log any expense and categorize it however they choose - for example by date, vendor, project, employee, or custom tags. The intuitive interface makes it simple to add expenses on the...
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InDinero

inDinero is a cloud-based accounting and bookkeeping platform tailored for small businesses and startups. It provides tools to manage all essential financial operations including:Tracking income and expensesCreating and sending professional invoicesPaying bills onlineReconciling bank and credit card accountsGenerating financial statements and reportsKey features include seamless integration with bank accounts, automated...
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DashFlow

DashFlow is an intuitive, flexible business intelligence and data visualization platform designed to help companies make data-driven decisions. With an easy drag-and-drop interface, DashFlow makes it simple for anyone to connect data from multiple sources, create interactive dashboards and data visualizations, and share insights across the organization.Some key features and...
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Bank Genie

Bank Genie is a versatile personal finance app designed to help users take control of their money. It allows you to link all your financial accounts like bank accounts, credit cards, investment accounts, and more in one place to track your net worth over time.Key features include:Spending tracker with automatic...
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AccountingSuite

AccountingSuite is a cloud-based accounting software solution built specifically for small businesses and solopreneurs. It provides an easy way to track income and expenses, manage invoices and payments, run financial reports, and more without needing extensive accounting knowledge.Key features of AccountingSuite include:Invoicing - Create professional invoices, track payments, set up...
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MoneyJournal.app

MoneyJournal.app is a personal finance manager application designed to help users track their spending, create and stick to budgets, view overall trends in expenses, and take control of their financial situation. It is available as native apps for both iOS and Mac.Some key features of MoneyJournal.app include:Ability to manually enter...
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Spend - Budgeting

Spend is a personal budgeting and expense tracking app available on iOS, Android, and web. It helps individuals and families create detailed budgets, categorize transactions, track spending habits over time, and analyze finances.Key features of Spend include:Creating customizable budgets with income, expense, savings, and loan categoriesSyncing transactions and data across...
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Free Finance Tool

Free Finance Tool is a comprehensive yet user-friendly personal finance management application. It allows individuals and families to easily track income and expenses, create budgets, set financial goals, analyze spending habits, manage investments, and make better financial decisions overall.Key features of Free Finance Tool include:Intuitive interface for tracking transactions, with...
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Wesabe

Wesabe was a personal finance website and mobile application launched in 2006. Its goal was to help users better understand and control their finances by automatically tracking spending and cash flow across multiple accounts. Wesabe used bank-level encryption and security to connect to users' financial accounts and download their transaction...
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Kualto

Kualto is a feature-rich, end-to-end project management and team collaboration software solution designed for creative and marketing teams. It allows you to efficiently plan, organize and manage all aspects of a project in one centralized platform.With Kualto, you can map out project plans using interactive Gannt charts, breakdown project tasks...
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Easy-finance

easy-finance is an open-source personal finance manager software designed to help individuals and families track expenses, create budgets, manage investments, and gain control of their financial lives. With an intuitive and visually appealing interface, easy-finance allows users to quickly set up customized budgets across categories like housing, transportation, food, entertainment,...
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WhereHasAllMyMoneyGone

WhereHasAllMyMoneyGone is a versatile personal finance app designed to help users take control of their spending, saving, and budgeting. With its simple interface, users can easily link bank, credit card, loan, and other financial accounts to automatically import transaction data.Once transactions are imported, WhereHasAllMyMoneyGone automatically categorizes spending and allows users...
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BuckTrak.com

BuckTrak.com is a user-friendly personal finance and budgeting software designed to help individuals and families track expenses, create budgets, analyze spending habits, manage debt, and achieve financial goals. With BuckTrak.com, users can:Link all bank, loan, credit card, investment, and other financial accounts in one secure location to automatically import and...