If you are more concerned with creating a budget, managing cash flow, and getting out of debt, then YNAB is right up your ally. Compare Free Online Money Management Tools.Personal Capital Review (our favorite – it offers budgeting and investment tracking).Either way, there are many options to choose from.Ĭompare Popular Money Management Programs: Which tools is best for you depends on whether you need r want something online, desktop, free, or a paid tool. Some of these tools are online only, while others, such as Quicken, are desktop only. There are a couple other money management software programs out there you may find more aligned with your needs, such as Personal Capital, Mint, and Quicken. If you need to track every segment of your financial situation, including budget, income, outflows, debt, investments, rental property, small business, etc., then YNAB isn’t for you. But that’s OK, these software programs are designed for different demographics and one or the other may be perfect for your situation, while the other just isn’t right. YNAB is great for setting budgets, tracking expenses, setting goals, and understanding where your money goes, but it is not designed for advanced money management like tracking investments, managing small business expenses, or detailing your rental property information, like some versions of Quicken are designed to do.

You Need a Budget is not a full money management program like Personal Capital,, or Quicken. If you have money left over at the end of the month, you can use it to pay down debt, apply it to your emergency fund, save it for a long term goal like a vacation, or anything else you want to do – you just need to give it a job. That doesn’t mean you need to spend all your money, it just means you need to give every dollar a job. It uses a zero based budgeting system, which means budgeting every dollar of income that you receive. You Need a Budget is a budgeting software program that will help you manage your money and cash flow. They have one simple rule above all: Give every dollar a job. You Need a Budget specializes in one thing – tracking your cash flow to help you make a budget that works for you. They have since shifted to a cloud based online software version, and rebranded the desktop version as YNAB Classic. You Need a Budget was previously only sold as a desktop software program that also had mobile apps for iPhone. But they have added even more features that have enhanced YNAB’s capabilities. You Need a Budget (YNAB) is one of the more popular budgeting software programs. YNAB maintains the same methodology and easy to use programming that made the original and YNAB Pro versions so popular.

You need a budget review 2016