Plus, you can try the program for free before committing!įees: Free $9.95 or $19.95 a month, $89 or $169 annually The software does cost $50/year, but the license is good for all YNAB updates. In addition to the desktop software, YNAB has an app available for iPhone, iPad, and Android devices. More good news is that YNAB works everywhere even without an internet connection. You are also able to schedule known transactions ahead of time or download transactions that you can then load to YNAB. The program connects directly with your bank account(s), but you have to tell it when to download transactions. However, if you’re looking for complete automation, YNAB is not it.

YNAB takes the guesswork out of budgeting by providing you with a flexible living budget that will save you money and help you stay positive. If you’re looking for great budgeting software, YNAB is it. Even lacking this feature, Personal Capital is certainly one app that you should try.įees: $11.99 per month or $84 annually free 34-day trialįeatures: Budgeting, investment monitoring, bill management, add in manual entries One thing Quicken users might miss is the ability to track and pay your bills from within the software itself. It can be used either on a desktop or through a mobile device. Personal Capital also features a retirement planning tool and a retirement savings fee analyzer. Also like Quicken, Personal Capital tracks your spending and categorizes it for you allowing you to get a clear picture of where your money is going each month. This even includes tracking your investment accounts and your net worth. Personal Capital may have the best all-around money tools available, and they are completely free! Like Quicken, Personal Capital users can link all of their accounts and track them all in one place. Minimum Balance: None $100,000 to investįeatures: Financial budgeting dashboard, investment fee checkup, cash flow analyzer, 401(k) analyzer, net worth tracker, and retirement planner Fees: Free investment services start at 0.89% based on account balance

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