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Alternatives to YNAB?

5 replies

Tifannylamp · 02/10/2019 21:26

DH and I have been using the budgeting app YNAB4 for a number of years, but from the end of this month, support will end for this version and we'd have to spend about £5 a month to move over to the newer app and subscription service if we want support for it. I have used the support a couple of times in the past, but don't think it's worth around £60 a year.
Are there cheaper or free alternatives similar to YNAB anyone would recommend please? We don't mind paying for it as a one-off (as we did with YNAB), but don't want to be tied to a regular payment.

Essentials are:
Easy to use with a desktop and apps DH and I can use on our devices
Tracking multiple accounts
Importing statements (or, even better, automatic imports by linking the bank accounts to the app).

Thanks!

OP posts:
enjoyingscience · 02/10/2019 21:32

Money dashboard is decent - I haven’t used the desktop, but the app links multiple accounts, allows budgeting, and tags transactions to automatically allocate to budget lines/categories. The planner is terrible though, and they count transfers between accounts as spend so that can be confusing.

Tifannylamp · 02/10/2019 21:56

Thanks enjoyingscience - we do move money around quite a bit, so that would be a pain.

OP posts:
h0rsewithn0name · 04/10/2019 20:03

I'm the same as you OP. I love YNAB, but the removal of support means it's time to upgrade I guess. I think I'm sadly going to have to pay for the online version as I can't see anything that uses the 'envelope' principle of saving. I love it too much.

Thehop · 04/10/2019 22:37

My Monzo account is similar and free. Has budgeting amounts, sets aside bill money and gas savings pots. Maybe worth a look.

Tifannylamp · 10/10/2019 16:36

Thanks, both. Does Monzo work with multiple bank accounts though?

I think I may have found an alternative, with a one-off fee and capable of importing existing YNAB files:
www.budgetwithbuckets.com/en/index.html

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