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I tried really hard to like ynab, but I just couldn't get the hang of it. I think the hangup is that I'm not really looking for a budgeting tool, I just want to categorize and see where my money is going - less so planning. Its easy to do that with Mint as budgeting in Mint feels more like an addon then a core concept.



Founder of Lunch Money (https://lunchmoney.app) here– I encourage you to check us out! I'd like to think we're a more non-opinionated and simple alternative to YNAB.


I'll just throw in an extra 1up here. I am a very happy customer of Lunch Money. It's the only app I have ever stuck with for any amount of time.

It is still early days for the product, bur it is rapidly improving and the creator is very good and communicate. The couple of times I have requested support (mostly for feature suggestions), she has gotten back to me very quickly.


Out of all the services listed here, yours looks the best. I’ll try it out once I start my new gig in a month.


I don't really use YNAB to strictly budget either, but more for tracking as well. Essentially, I budget the fixed categories (mortgage, property taxes, insurance, etc.), move some fixed amount to a savings category, and then leave the rest as "To Be Budgeted".

Then, as the month goes on and some of the categories that didn't have a fixed budget are "over budget", I just move the required money to the individual category to zero it out. Anything that caries over to the next month goes to the savings category.




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