As a manual entry user this does not bother me, but I can see how it may be an issue for some.ĭisclosure: I get no compensation or ANYTHING for writing this. The one thing it does not have is live bank syncing. It uses bank-level encryption standards for that. You can locally host your information or sync. It also has a fully-featured mobile application. It has a web interface AND a local desktop client. It has a flawless YNAB4 importer as well as a nearly perfect nYNAB importer. It preserves many of YNAB4's useful features like (customizable) multi-month view, walling off months so that you can truly live on last month's income, right-red arrow to carry overspends at the category level to help with reimbursement categories. Actualbudget is hands down the best alternative I've found. As a YNAB4 user who could never make peace with the idiotic feature-stripping in the transition to nYNAB - and as an aside, why are folks so shocked at YNAB for doing what they just did, when they've done this before! - I searched for an alternative. I'd add to this list and put it near the top. Lunchmoney.app - Not any cheaper than ynab, dont know if its any betterīudgetwise.io - has been mentioned, doesn't look to have bank account importing or an app It works on individual categories but not on months, ie you can't carry a surplus or deficit from one month to the next but you can for each category. To enable it, you need to turn on the beta features under Settings - User Preferences - Beta Settings. Pocketsmith does support the envelope system somewhat - it's called 'rollover' and it's in beta phase. Doesn’t really support the envelope system of YNAB, but if you get all of your budgets configured properly it allows you to accurately forecast pretty far into the future. Reports not zero-based/envelope budgeting This may be the one for EU and US users as it looks like it syncs with your banks over there. another one that was mentioned havnt had a chance to check it out - looks more of like an importer to your own spreadsheet maybe can be used with aspire US only - Tried using it, put trans actions manually on the credit card the balance never updated. The $99 plan includes the learning/debt centers and support assistance when starting. You just lose the learning/debt centers and your access to support is a bit more limited. Mvelopes has a tiered solution that includes $69 annual plan that still supports bank import. I cant figure out how to enter a manual transaction (edit: Manual transactions - This only works on non connected accounts). Supports splitting transactions, supports loans (although it doesn't look like it shows transactions to it) etc, has built in categories that you can disable. never heard and know nothing of them, no bank account synĮ - We all know who owns this (apparently not - this is a Ramsey solutions product (ie Dave Ramsey) it used to not sync with Amex because he had a personal vendetta against them. was terrible in the past but may be worth looking at again (edit: still sucks too ad ridden) ![]() this really isnt a budget app its more of just getting out of debt app, if that’s all your looking for this is a great appĪ - completely offline but may be worth another lookĬ/premium - looks pretty good honestly (edit: interface is a little clunky) No mobile app currently though - one time 49.99 feeī - looks like personal capital with a budget plan kinda, doesnt really have categories but has tags which are the same thing kinda, Can import from various services including ynab including your categories though its not working fully correctly - as low as 3.99/month to 9.99/month when billed annually tried this a few months back may check it out again (edit: doesn’t support loan import, then again neither does ynab when configured as a loan account) has a neat feature where it can connect to your biller, for example cox can be connected and it updates your budget etc, but it is not zero based budgeting and if you use 2FA on your accounts, its super annoying! - 47.99/yrī - extra cost for bank account sync, has a quick budget feature. No desktop version, but the app looks very nice, supports zero-based budgeting and has two price tiers. Its really simialr to ynab and even has an import. u/worldcitizen101 created spreadsheet with some comparisonsĮither way this is a running list in no particular order.Įdit: These appear to be the top contendersĪ - does not appear to have bank account syncing. The goal is to be either cheaper than ynab or the same price with more features. If you have one that should be on the list, toss it in the comments and I’ll get it on here. Some of which are cheaper and some of which are not. In my research Ive came across various apps, some of which support that and some that dont. I wanted the ability to sync with my bank. I had this posted in another thread but I wanted to get more exposure.
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