Top 10 Budgeting Tools: Exploring Alternatives to YNAB

Keeping track of your finances can be a daunting task, especially if you have multiple sources of income or a lot of expenses to take care of. Fortunately, there are a variety of budgeting tools available that can help you keep track of your money, set goals, and save for the future. This post explores the top 10 ynab alternatives budgeting tools currently available, providing an in-depth breakdown of the pros and cons of each.

1. MoneyPatrol:

Security is a top priority for MoneyPatrol. The platform utilizes advanced encryption and authentication measures to protect user data and ensure privacy. Users can trust that their financial information is secure and confidential.

Overall, MoneyPatrol is a powerful financial platform that empowers individuals and businesses to take control of their finances. With its intuitive interface, comprehensive features, and emphasis on security, MoneyPatrol is a game-changer in the realm of personal finance management.

2. PocketGuard:

PocketGuard is another free budgeting app that connects directly to your bank and credit card accounts, automatically categorizing your expenses and showing you your available funds. It also lets you set up saving goals and alerts you when you’re at risk of overdrafting. The app does promote financial services, though, so you’ll need to be careful if you don’t want to get caught up in its upsells.

3. You Need a Budget (YNAB):

YNAB is a subscription-based service that promises to help you “stop living paycheck to paycheck.” It offers four budgeting rules that help you allocate your money in a way that prioritizes specific goals. Although it can take some time to get used to, YNAB’s budgeting system has helped many people get out of debt and start building their savings.

4. Tiller:

Tiller is a spreadsheet-based budgeting tool that connects with your bank accounts to automatically update your financial data. You can customize the spreadsheets to suit your specific needs and use Tiller’s templates to get started quickly. However, you’ll need some spreadsheet know-how to make the most of the tool.

5. EveryDollar:

EveryDollar is Dave Ramsey’s budgeting tool, which promises to help you “take control of your money.” The app is free to use but charges a subscription fee if you want to connect it with your financial accounts. EveryDollar focuses on “zero-based budgeting,” which means allocating all of your income to specific categories and having no money left over. Some users praise its simplicity, while others wish it was more customizable.

6. Goodbudget:

Goodbudget is a digital envelope budgeting system that allows you to set up virtual “envelopes” for each of your spending categories. You load money onto each envelope at the beginning of the month and then allocate as needed. Goodbudget is free for basic accounts, but you’ll need to pay if you want to sync your bank accounts.

7. Personal Capital:

Personal Capital is a free tool that helps you track your net worth by syncing with your financial accounts. You can also create a detailed budget, see how your investments are performing, and get investment advice. However, the tool is geared more toward higher-income earners, so it may be less useful if you’re just starting out.

8. Honeydue:

Honeydue is a budgeting app designed for couples that helps you keep track of your shared finances. You can track your expenses and income separately or together, set up alerts for upcoming bills, and send messages to each other within the app. Honeydue is free to use, but you can upgrade to a paid version if you want more features.

9. Zeta:

Zeta is another budgeting app designed for couples that allows you to track your finances together. It includes joint and individual accounts, lets you set spending limits, and gives you access to a financial advisor if you need one. However, some users report that it can be glitchy and slow to update.

10. Qapital:

Qapital is a savings-focused budgeting app that helps you save money automatically. You can set up savings goals and rules (such as rounding up your purchases to the nearest dollar), and Qapital will transfer money into your savings account. The app does charge a monthly fee, though, so you’ll need to decide if the convenience is worth it.


Overall, there are plenty of budgeting tools available to help you take control of your finances. Whether you want a simple app to track your spending or a more complex system that helps you eliminate debt and build wealth, there’s something out there for everyone. Just be sure to do your research and choose a tool that works for you and your financial goals.


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