![]() If you don't have a handle on envelope budgeting, then this is likely NOT the app for you. If you feel that you have a SOLID handle on envelope budgeting and are ready to move onto managing other parts of your personal finance and use a Mac, then this might be an option for you This is a HUGE difference from YNAB and all the other subscription apps where if you stop paying, then you can no longer use it. So it's really just a subscription for new updates and also for banking connectivity. However, the difference is that if you cancel your subscription for the next year, you get to keep using your current version forever. Overall, they work well on the move (checking your budget, adding transactions, etc), but you do need to use the desktop app to get all the features.īanktivity went through a similar uproar from their user base when they went to the subscription model like YNAB. These are more of a watered-down version of the desktop app, which is appreciated because the desktop app is very complex and wouldn't make sense to just "shrink" into an iOS app Though fundamentally, the envelope budgeting is slightly different from YNAB's. Once you learn how to use the program, it's pretty easy to manage. Very simplistic, minimalistic UI on the Mac. Though the $50 dollar feature is great for those who just want to do budget.īig upside: if you paid for one year and then decide to stop after that year, you actually get to continue to use the current app as is that you paid for. Most people will likely get the $70 for investment/retirement planning features. Big learning curve, but pays off in the end.ģ tiered, semi-subscription model. You should absolutely watch their masterclass series on youtube (free) to learn about their features. ![]() Connections are VERY stable, which is a breath of fresh air coming from YNAB (though this might depend more on the service they use rather than themselves). I think this is to make it easier to see your projected spending, but definitely took some time to learn/get used toĬonnecting to the banks was pretty easy. They use a much more complex/detailed system to track your envelopes vs your budgeted amount. ![]() Not as easy as YNAB to set up envelope budgeting. Personal finance app that offers envelope budgeting (though not as robust or easy as YNAB), investment tracking, mortgage/real estate, and also tracking accounts in different currencies.Ĭan actually do Bill Pay via the app, if you are interested.Ĭalendar feature that shows you when your upcoming bills are due (as automatic transactions)Ĭan be complex. Unfortunately, the app is only available for Mac/iPad/iOS users. I set out to look for an all-in-one option, and I found that in Banktivity.ĭisclaimer: I'm not affiliated w/ Banktivity. Things like investment tracking, planning for retirement are currently missing from YNAB, though you can supplement with other software. While browsing through the discussions regarding the recent price increase, a few comments resonated with me in that some of us, thanks to YNAB, are ready to graduate from YNAB. But over the last year, I realized that my needs may be outgrowing what YNAB has to offer. It has been a phenomenal software and helped to build my budgeting habit. I've been using YNAB since YNAB4 and moved to nYNAB two years ago.
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