Budgeting reviews from Reddit

"I am a YNAB guy for years now."

"YNAB is fantastic for helping you assign a job to every dollar."

"Ynab"

"YNAB is one of my non-negotiable subscriptions. It's helped me get from crippling debt to DMP to doing alright to looking to FIRE."

"Great tool, I used it for years!"

"I have to say /r/ynab. It’s not set and forget like most apps, which is why it works. It makes you actually conscious about your spending."

"YNAB is my go to suggestion, I think for the average person, it is worth it in most instances."

"I've never realized that I am spending so much unnecessary stuff for almost half of my salary until I use YNAB."

"YNAB is so good. I've been using it for at least 7 years now. It's truly a life changer if you stick to it long enough."

"Holy moly it has helped so much."

"YNAB"

"YNAB is the absolute best."

"YNAB."

"I use YNAB now and find it helps a lot."

"I’ve used YNAB for years and love it."

"You Need A Budget."

"100% YNAB. Life changing method & fantastic app."

"If you can afford the yearly cost. (The cost is worth it and if you use it seriously and improve your spending over time it could pay for itself in savings)."

"I use YNAB but mainly use the webUI."

"Is the best budgeting app, but also probably the hardest to learn."

"It's super simple plus it's perfect if you're just starting out with budget. it works well if you’re balancing school and other expenses. It automatically tracks your spending and you can get started easily. Works great for me"

"Use r/Fina Money. It's simple and does what you need. Start by tracking your spending and setting basic budgets."

"Fina Money is great. It tracks spending and lets you set up a budget in one place. It’s simple to use and free."

"It’s free (for manual use), super simple and is great for zerobased budgeting. You can set up your full budget, track all your expenses and plan debt payoff in one place."

"Fina Money is simple and does the job without the headache."

"It tracks your spending automatically and doesn’t require constant updates."

"It’s really easy to use syncs with RBC and tracks everything for you automatically."

"It’s a simple budgeting tool that doesn’t overwhelm you."

"It keeps everything in one place and makes it easy to stay on track."

"It’s simple to use and it lets you set goals."

"Monarch Money is really the best IMO. I use it daily."

"I've been using Monarch for over a year and really like it. It's not free but the reports and transaction rules are great."

"We use Monarch in our business and we love it, our clients do too. once you set up the rules and categories based on how you want to track things, it monitors cash flow really well."

"In many ways it is better."

"For sure"

"Has been great since Mint went offline."

"By far the most feature rich and user friendly app I've ever used."

"I migrated to Monarch Money."

"I like Monarch Money."

"Is my choice, ever since Mint shut down."

"Is a great option."

"I use everydollar and pay for the premium version."

"Every Dollar is free."

"I like using Mint or EveryDollar. Both are easy to navigate and great for beginners"

"I like EveryDollar. I do have the premium version though. The ability to connect to my bank so transactions flow over automatically is critical for me."

"I use Every Dollar, the free version."

"Is free. The subscription lets you link banks."

"I use the free version of EveryDollar."

"It’s zero-based budgeting and is free for manually tracking income and expenses"

"Every dollar app is good"

"It’s a great tool - you might really like it too."

"I’ve loved it the last year."

"I have enjoyed it and have been suing it for the past year and a half."

"There is an annual fee, but the bank connections make it so much easier."

"People also like a couple other ones like Simplifi."

"Works well with RBC."

"I use Monarch but also use my bank’s as a backup."

"I use Monarch since I left mint."

"I use monarch and really like it."

"It's essentially the same thing, with some minor differences, but free, open-source, and selfhostable."

"Actual budget is free."

"I'm now using actual which is great."

"Actual budget"

"My recommendation now, is Actual Budget, which follows the same budgeting philosophy as YNAB (envelope system), but is free if you host it yourself."

"Try to check https://actualbudget.org/. This is what I use and it is very similar to You Need A Budget (YNAB)."

"I personally self host an app called Actual Budget."

"I'm using Actual Budget which is pretty much the same but less fancy."

"Too bad they don’t sell it anymore. I hear Actual Budget recreates it pretty well."

"Try Wealth Position really good for customized dashboard, short and long term finance planning, customizing to your own requirement, budget planning, managing multiple accounts, and tracking all incomes, expense, assets, liability from one place and see financial picture now and into the future up to retirement and beyond in one or multiple currency, and works any where in the world."

"Really good for customized dashboard, short and long term finance planning, customizing to your own requirement, budget planning, managing multiple accounts, and tracking all incomes, expense, assets, liability from one place"

"Really good for customized dashboard, short and long term finance planning, customizing to your own requirement, budget planning, managing multiple accounts, and tracking all incomes, expense, assets, liability from one place"

"Really good for budget planning, managing multiple accounts."

"Try Wealth Position really good for budget planning."

"I micro manage my finances and chose Wealth Position for price and flexibility."

"Try Wealth Position really good for budget planning, managing multiple accounts and tracking all incomes, expense, assets, liability."

"Wealth Position is good for customizing everything to your own requirement for short and long-term planning."

"Is amazing!! Tracks all spending, income and upcoming bills flawlessly."

"I tried out rocket money and it’s a really nice app."

"Rocket Money is hands down a life saver."

"I use the free version of Rocket Money and I like it for the most part."

"Been using rocket money for a couple months now, and I have liked it so far."

"I have really enjoyed it so far."

"I personally didn't like YNAB and switched to Rocket Money, it's pretty good."

"I use rocket money personally and it’s done right by me."

"The app is SO easy to use, the account is easy to open. Transferring funds between it and my bank is a piece of cake."

"I love ally’s buckets. It’s great to visually see “okay I have x dollars in my car emergency fund, X in medical, x in general.."

"I have had an Ally savings account for years and it's the easiest to use out of all my online financial accounts."

"I’ve used Ally Bank from more than a decade. For the most part, I like it because along with a checking account, it gives you the ability to have 10 sub-savings accounts, which I use for budgeting."

"I like the buckets from Ally as well. I’ve used it for at least 5 years now and I like it well enough."

"Same, buckets are great and you can have quite a few of them"

"I have an Ally savings account I use for “sinking funds,” or savings buckets. It’s good for that purpose - easy to set up and maintain."

"Simple and free app."

"Try Budgetum — it’s free and might work well for you."

"Try Budgetum, completely free and offline app"

"Simple free app to create monthly plan and track expenses."

"I use BUDGETUM, simple and free."

"Cashew! Da best"

"Both are great."

"It has a great UI and a great app overall"

"I REALLY like Cashew."

"Moneyhub is definetely the best."

"Money hub is absolutely the best budgeting app."

"Moneyhub. There's some talk it's getting discontinued but I don't think the future is that clear yet"

"MoneyHub if you’re from UK it’s very simple and practical to connect all of your accounts."

"Habit money - the only time i've ever stayed on track with a budget is when i've tracked my spending, and habit made it really easy to do."

"The most helpful budgeting app I’ve tried."

"I've tried a bunch of budgeting apps, and honestly, nothing has worked as well for me as Habit Money."

"The best one I’ve used is Habit Money. It’s simple and keeps me on track."

"It ticked all the boxes."

"Quicken Simplifi!"

"I've been using Quicken Simplifi for a few weeks and really like it."

"Quicken simplifi."

"It’s suuuuuuper basic but I like GoodBudget. It’s like a digital envelope system."

"It’s free and it’s envelope style budgeting that just makes sense for me."

"Been using it for over ten years"

"I love GoodBudget, it is the same envelope system as YNAB but a little less expensive."

"Quicken Simplifi has been great for my wife and me."

"I like that after a few years of diligent categorization it is able to import transactions."

"It comes with a subscription cost. It interacts well with banking."

"I use Quicken on my laptop."

"[Dime](https://apps.apple.com/us/app/dime-budget-expense-tracker/id1635280255) is free."

"Been using it since 2022. They’ve improved over the years for sure!!"

"No data collection whatsoever. It’s pretty simple."

"I use Neontra. Like it. I’m a paying subscriber and think it’s definitely worth the fee."

"Neontra is a good option too."

"It has both free and paid options."

"It's like chatGPT for budgeting, but also saves the data in graphs as you talk with it. Can also connect multiple bank accounts, and track spending."

"I use BudgetGPT.io, which is basically ChatGPT for budgeting."

"It's best as you can add categories and subcategories plus multiple accounts"

"Been using it since nagstart ako magwork, so mga 8 years na."

"Aspire budget provides an awesome Google sheet template you can use. I've been using it for the past two years and have been very happy with it."

"If you want to use a spreadsheet but don’t have time for it, Aspire Budgeting is free."

"If you're looking for a phone app, Money Lover is the one I can speak for. It's really nice looking and complete."

"For ios, try money lover app."

"GoodSteward.io is free and local only if you don't mind manually adding transactions or importing transactions from your bank."

"Give it a try if you are interested in something similar."

"Definitely FinWise!"

"FinWise!"

"I like using Mint or EveryDollar. Both are easy to navigate and great for beginners"

"Mint is easy to use and gives a clear overview of your finances"

"Super customizable to your own requirement."

"Really good for customizing it to your own requirement."

"It’s got the best user interface of anything I’ve ever seen."

"It’s not perfect and the annual fee stings, but I’m happy with it."

"Budgety is more affordable and Canadian friendly."

"Been using Budgety"

"Try Wallet by budgetbakers"

"It will help you track all your expenses and budget automatically"

"I’d highly recommend trying their new “Full View” feature. It integrates really well with all my other accounts for budgeting purposes, and it’s 100% free."

"Actual , it's free and can be self hosted."

"Snoop is top tier. Allows you to set budgets for different categories and once setup right, tracks your transactions and auto categorises."

"BillWise if you have android! It's 100% free."

"Is one of the best apps I have ever used."

"It recently launched, and what makes it stand out is how easy it is to connect with the founders."

"It has most of the same functionality and works pretty well."

"I’m currently using Good Steward and plan on staying."

"Only $50 one-time cost."

"It is quite simple and has bank sync."

"Is a great budget tool."

"For budgeting and tracking."

"Been using fold money since the last year."

"We have a great free tier and during your free trial you can even use the automated budget creation feature to get set up in a couple taps."

"BeyondBudget if you're on Android."

"It's simple but it works for me"

"A colorful and beautiful personal budgeting app"

"I built it after trying other budget apps."

"You can set budget categories, may monthly summaries, tapos pwede mo rin irecord not just income and expenses, pati yung transfers between accounts. Very useful naman and easy to use."

"Is possibly the best designed budget app for iOS."

"I love and use."

"Nerd Wallet has a decent one. It allows you to link bank accounts, credit cards, investments, shows your credit score."

"I like the free Monefy."

"I use Gnucash. There's a little bit of a learning curve but it's the one that I prefer the most."

"You can use excel sa phone and make a template for your budgeting. Works for me"

"Google sheets for the win. Since 2022 that’s the only thing I use for budgetting, cc tracker, savings tracker, travel savings etc."

"I work at Origin and our app handles this automatically and includes spending insights, bill tracking, and custom rules."

"I think it's Realtime Budget. 100% free and no ads."

"Lunch Money Webapp"

"It also creates the best budget for you and helps you budget automatically track your accounts and investments it's basically an ai financial advisor app"

"If you happen to have multiple accounts, I recommend the Sequence app. It makes it much easier to see how much you have in each, and to manage them."

"Very flexible in customization and has great future projections"

"Take a look at https://boney.app it's very simple to start."

"Copilot money has delivered for me since I left mint."

"I paid for an app called My Budget Book."

"I use MoneyWiz. I think it’s $20/yr."

"I use Weekly app and pay the $8.99/month premium."

"I had a friend switch from YNAB to Qube."

"We wanted a free, no-accounts, manual-entry app where we can invite friends and family to collab on budgets."

"Works well for me and reasonable"

"It’s free, connects to all of my accounts/cards, lets me categorize transactions."

"My app, SimplyBudget AI, uses AI to attach relevant logos to your transactions and shows your spending with neat graphs and pie charts."

"Graphical-budget-planner is totally free and open source, support Linux and Windows."

"Have a look at Heron. It has several features for both budgeting and expense tracking."

"Keencents is only on iOS and totally offline, it can stay free."

"Caretta: Smart Budgeting is easy to connect with the support team and offers solid features."

"I've been using MoneyManager EX for PC and I like it. It's opensource and really complete."

"I use Wallet by BudgetBakers. Its the top 1 on Finance category in Android apps."

"I use money manager: budget planner for savings, crypto tracking, and other investments."

"The other Money Manager app (by Realbyte) works for me. I've been using it since 2019 and recently upgraded to premium."

"I use a spreadsheet (Apple Numbers)"

"The app is subscription based and I'm only actually just on a free trial."

"Bluecoins feels more intuitive sa akin."

"TimelyBills, try if it fits what you're looking for."

"Best free option is empower/personal capital."

"Check Fin Art app, on android reads SMS and categories them automatically"

"Lista is a good app"

"Take a look at Boney app! Expenses splitting, recursive and forecast, debts management etc."