Peace of mind after you put in the work Really great method to get peace of mind about your financial situation. YNAB is best if you're willing to buy-in to their system: setting goals, categorizing every transaction. This app is especially great for people who have inconsistent income as it lets you plan ahead and know you have money to cover your expenses.

YNAB Changed EVERYTHING! I’ve always cared about my finances. Where was my money going? How was it being spent? Is my income more or less than my expenditures? ETC! YNAB helped me to not only see clearly how my finances were being used, but it helped me to create a clear and realistic opportunity to budget, spend, and plan. THANKS YNAB!

A decent replacement for Mvelopes A decent replacement for Mvelopes, which is why I chose it. (I like to have “extra” money left over in each budget category each month, so I have some in case the following month is unpredictable, and this was the only program where that seemed possible.) There are a few kinks/features I wish were possible. For example, I wish it were easier to focus on specific budget categories, and see reports on spending. (Ie, click a budget category, and see a register of expenditures and funding.) Also wish it were easier to have pre-set “funding plans” for a two paycheck month. Right now I have to fund each budget category manually for my first paycheck of the month, instead of having a template for half my budget. (It’s either all of nothing, if you want to fund several categories with one click, which makes it hard to do one paycheck at a time, vs an entire months budget.) There are definitely some features I wish were possible, but overall it functions decently for how I like to budget.

The method just works! The 4 principles work great. Overall structure behind the app, just works wonderfully. Your relationship with money improves over period of time as you start seeing debt in a different light and see your net worth increase. Lastly, the great tutorial videos and blogs help clear any lingering doubts.

The last budgeting app you’ll need YNAB has completely changed the way I budget! It is the most transparent and effective method to budget in my opinion. I know exactly how much money I spend in any given month and can predict how much I’ll spend later. YNAB has paid for itself tenfold in the peace of mind it gives me!