You can track your budget on the go with the app, and then SYNC your data (safely through wifi connection, IP addresses, and a password) with YNAB on your computer.There’s an Android and iPhone application for YNAB (yes, there’s an app for that) the downside is that it’s $4.99 (for the iPhone).

You can manually import/ download your data from your banking account just like you can do for Quicken.

User friendly (not as user friendly as but easier than Quicken, that’s for sure!).

Easy on the eyes, very visually friendly.

Runs on a MAC (need I say more, Mac fans?) (and of course runs on the PC as well).

Without further delay here is my PROs and CONs list for YNAB 3:

Stop living paycheck to paycheck (they want you to spend THIS month what you earned LAST month).

Roll with the punches (the software is smart enough to take off the money you go OVER your budget in January from February- so that you WILL feel guilty and won’t be tempted to think you’re starting fresh… thus making you more accountable).

Save for a rainy day (or other infrequent expenses like car insurance, property taxes, vacations etc.).

Thirdly, they seem to truly care your budget because of their YNAB methodology They have a YNAB philosophy composed of 4 principles or rules: I am a big fan of easy to read, to-the-point instructions. Secondly, there are instructions that you can click on when you toggle it with your cursor. It’s intuitive and it feels like “Quicken” but it is more aesthetically pleasing and user friendly.įor one, there are video instructions on how to get started. It has apparently taken the personal finance world by storm unbeknownst to me… and I can see why.

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