Ynab Mac Download

Budgeting is a discipline that’s not often met with excitement. Many assume that budgeting is something reserved for companies or, say, freelance workers. However, personal budget software is just as important as corporate one — it’s a fundamental understanding of where money is coming and going.

  1. Ynab Mac Download Apps
  2. Ynab Desktop App

You Need a Budget combines easy software with Four Simple Rules to help you quickly gain control of your money, get out of debt, and save more money faster! Personal Budgeting Software for Windows, Mac, iOS and Android. Toolkit for YNAB is a general purpose extension that adds features to YNAB and makes it more flexible. Have it your way! There are many different features available once installing the Toolkit for YNAB. You Need a Budget has a steep learning curve, but the developer provides plenty of documentation to help you get up to speed. While YNAB is a strong, well-rounded financial application, it does.

You may consider it to be boring, tiring, time-consuming, or difficult, but managing your finances well can help you achieve goals and stave off the stress of a rainy day. Thankfully, there are tools and apps on Mac which can help you get on top of budgeting, no matter how experienced you are.

Why Should I Use Budget Tracking Software?

If you haven’t done a budget before, you should start now. You never know when you might need a particular sum of money to solve an issue, meet a goal, or take advantage of a sudden opportunity.

Budget programs help you reduce the stress and uncertainty that comes with not knowing where you stand financially. If you don’t have a home budget software, you might be tracking towards a situation where you run out of money, without even knowing it. If you do have a budget, then you’ll have a documented plan of action to improve your situation.

Importantly, you don’t need any qualifications to do a budget, nor do you need to be good with numbers. Take advantage of the best budget software for Mac to help you take control of your finances without the hassle. Budgeting tools come in many shapes and sizes, so selecting the right one for you depends on personal preference and previous experience with managing money.

Handy tips for budgeting tools

If you’re ready to start your budget, it’s best to consider a strategic approach to ensure maximum utility. Too often, budgets sit collecting dust after being created, and sometimes the act of creating a budget could feel like enough to satisfy financial concerns — it’s not. Here are some tips for making the most out of your budget.

First of all, definitely use an app to help you manage a budget. App developers invest a lot of time and money into figuring out how their software can make your life easier and better, so rather than trying to understand all the nuances for yourself, let a dedicated app do it for you. There’s even some free budget software around, so you have very few excuses not to try!

If you run a business (or freelance on a side), a little bit of work each week means end of year taxes are a breeze. It’s not about doing a marathon of work in a few days, but making a habit to consistently do a little bit here and there. Try aiming for 10 minutes every few days. The best tax preparation software will also have reminders and notifications to help you achieve this goal.

It might sound contradictory, but budgeting isn’t always about getting the numbers 100% accurate. When it comes to tax preparation software — sure. But budgeting is mostly about understanding where your money is being spent and then using that information to make more informed decisions going forward. Therefore, make sure you categorize your transactions so that it’s easier to spot those minutiae differences and trends. The best finance apps should do this for you automatically.

In summary, you want to ensure you take advantage of the online budgeting tools available to you, aim to update your records frequently, and focus on categorization over accuracy.

Features of good personal budget software

The best personal budget software for Mac is easier to pin down when you know exactly what you’re looking for. Not all apps are the same — they vary by function and pricing. Generally speaking, there are a few key features you want to see in your budget software for Mac:

  • It should be simple and easy to add new records or transactions

  • Importing bank and credit card statements should be possible

  • Automatically synchronizing statements will take the edge off your manual inputting

  • Useful dashboards or visuals will help you understand your situation at a glance

  • You should be able to categorize your transactions into groups

Out of those five key points, the ability to import is often the most essential. Importing saves you the hassle of adding each transaction into the money management software line-by-line, which adds up to a lot of time. It’s hard enough already to schedule frequent updates to your budget, so if you can remove the largest friction point of manual entry, then you’re in a good place.

The best budget software for Mac comparison

When it comes to programs to help budget money, there are countless options. It’s easy to get lost diving deep into each budget software review, but here are some of the best available, ranging from beautifully basic to powerfully advanced.

You’ve probably heard of Quicken, given that the name has been around since the early 80s. Even then, it was known as one of the best tax software companies around. That says something about the strong product, which carries all of the basic functions you’ll need to manage your budget well.

Right away though, you might notice that the interface has become somewhat dated in comparison to the newer contenders out there. But one of Quicken’s praised features is the ability to download bank statements and have the records automatically categorized, which can drastically reduce the time it takes to input your information, so you can spend more time making sense of it. Sadly, the Mac version is somewhat limited when it comes to advanced features, unless you splash out for the Home and Business edition.

MoneyDance is very similar to Quicken in terms of its basic features, including the ability to create a budget with notifications for bills and invoices. It also allows you to make your own charts and graphs to monitor spending habits over time, which can be seen on the homepage for a quick glance of your activity. Out-of-the-box integrations with online banking services also make it easy to send payments.

Unlike Quicken, Moneydance has some more advanced features including an investment monitor, which tracks your investments and their fluctuations — a useful addition, although best for the intermediate to advanced user. The app also has a developer API system in place to allow extended functions, mostly good for power users. Importantly, security is not an issue, as Moneydance utilizes end-to-end encryption for your data to give you that extra peace of mind.

You Need A Budget, also known as YNAB, is budget tracking software that runs on both Windows and Mac via web — saving automatically to the cloud, which is a bonus for multi-platform users. It also features native apps for iOS and Android, so you can literally tackle your budget from anywhere.

The app itself follows a simple design language, which is perfect for beginners, but if you find yourself needing help you can sign up for a personal instructor. YNAB doesn’t let you slack at all, and if you start to stray from your budget, the app will raise a red flag through it’s built-in Accountability Partner.

Although YNAB doesn’t support the ability to download and automatically categorize records from bank statements, it could be argued that entering them manually helps the user pay more attention to where their spending is going. Still, it’s a more time-consuming process that might be problematic for users processing hundreds or more records each month.

MoneyWiz stays true to its name — a comprehensive budget software and investment tracker that’s packed full with over 400 useful features. View your financial situation quickly by browsing accounts, groups, or searching for individual records. Speaking of records, you can enter them manually or have them automatically sync with leading banks, cryptocurrency exchanges, and financial services for an accurate real-time understanding of your accounts.

With all of this data in hand, MoneyWiz can prepare and export over 50 reports to help you gain deeper insights into your finances. Your data could be accessed from its cloud-based app or straight from the native software for Mac. All in all, MoneyWiz is extremely powerful: accessible for beginners and interesting for the most advanced users.

Receipts is yet another money management software for Mac, and is specifically well-known for its clever handling of invoicing. Using Optical Character Recognition (OCR) technology, Receipts automatically reads and translates important information about your bills, such as amount, date, currency, and more (even if the text is in another language).

Besides, Receipts can issue payments for invoices directly using third-party providers, such as iFinance and BankX. The OCR technology alone makes it a strong contender against other more simple online budgeting tools. Not least, Mac users will be glad to see how this application was designed to look and feel like a macOS product. Using a familiar user interface could make life a little easier after all.

Between the five options above, you have a strong starting point for your budgeting tools depending on your experience. Remember that importing is one of the key features to look for in budget programs. Still, in order to find the best fit you might need to try a couple of different options.

Thankfully, both MoneyWiz and Receipts have a free 7-day trial that you can take advantage of by heading over to Setapp, an app subscription service for Mac that gives you access to over 150 macOS apps, including all the necessary budget tools. Getting MoneyWiz and Receipts at once? You won’t be disappointed.

Setapp lives on Mac and iOS. Please come back from another device.

Meantime, prepare for all the awesome things you can do with Setapp.

Read on

Sign Up

Setapp uses cookies to personalize your experience on our website. By continuing to use this site, you agree to our cookie policy.

Have you ever heard of You Need a Budget (YNAB)? YNAB is a budgeting tool created to help you have better control over your finances. It’s one of the most popular budgeting apps out there, but are there better YNAB alternatives?

Depending on your budgeting style, you might not find YNAB a good fit.

We’ll show you some similar software programs to help you decide which budgeting program will be best for you.

There are many reasons why budgeting is important, and these tools will help you to do it better.

In This Article

  • Top YNAB Alternatives

Top YNAB Alternatives

Ynab download for mac

There are a few different options you may want to check out if you’re looking for YNAB alternatives. Each one helps you reach your financial goals better, but they all work differently.

Here are some details on each of the five You Need a Budget alternatives we found.

1. Tiller Money

Tiller Money is an awesome YNAB alternative. It’s great for budgeting, expense tracking and deb payoff.

The main difference between Tiller and the other options on this list is that it uses Excel and Google spreadsheets.

When you sign up with Tiller Money, you link up your accounts, just as you do with YNAB. Next, you’ll create customized spreadsheets to help you manage your money, such as:

  • Monthly budget spreadsheet
  • Debt snowball spreadsheet (yes, it’ll help you get debt-free using the debt snowball method)
  • Net worth tracker
  • Weekly expense tracker

The worksheets are attractively designed and super easy to view and use. In fact, I signed up for Tiller a while back and am loving it. It’s thorough but easy enough for tech novices like me to use.

And it’s affordable. Tiller Money costs $79 a year. That averages out to $6.58 per month.

Read more about it in my full review of Tiller Money.

Automated Email Updates

Another great feature of Tiller Money is that it’ll send you an email every day. The email notifies you of any new transactions that occurred in your accounts in the previous 24 hours.

To me, this is a nice way to ensure you can catch any unauthorized transactions on your accounts early. And it’s nice to see how much money I spent the day before at a glance. All in all, the system is pretty thorough.

Tiller Money vs. YNAB

The main difference between Tiller Money and YNAB is the customization aspect. Tiller Money does a great job at creating great spreadsheets that are completely customizable.

Mac

And it’ll automatically update every spreadsheet you create. Bonus: Tiller Money is cheaper than YNAB by about $2 a month. That’s not a lot, but we budget-obsessed people know that it all adds up.

2. Personal Capital

Personal Capital will help you manage your money. However, it does so in a much more comprehensive way than YNAB. I’d say that Personal Capital is the best of the YNAB alternatives.

When you sign up with Personal Capital, you start by linking all of your financial accounts. You’ll include checking, savings, credit card, loan, retirement and investment accounts. Now you’ve got a complete picture of your entire financial situation in one place.

Next, you need to choose between the services Personal Capital offers. One is a free financial tracking service. The others are paid financial advisory, wealth management and private banking services.

Free Financial Tracking

The free financial tracking tools help you keep an eye on your overall financial situation. It’s nice because you don’t have to check each account manually online.

Instead, you just pull up your Personal Capital account and get a full view of your net worth and financial picture. This service is completely free.

That said, you will regularly get calls from advisers whose goal is to have you upgrade to a paid service. You may find these annoying. Just keep in mind that you are not required to upgrade. As long as you follow the terms and conditions, you can use the free service for as long as you want.

Paid Advisory Services

Personal Capital also offers to manage your investments, for a fee. If you sign up for paid services, you’ll get access to a team of financial advisers. There’s a $25,000 minimum investment for this service, which is higher than competitor websites. If you’ve got $200,000 or more, you’ll get two dedicated financial advisers.

As of this writing, the fees for investment services are as follows:

  • 0.89% annually for the first $1 million
  • 0.79% annually for $1 million to $3 million
  • 0.69% annually for $3 million to $5 million
  • 0.59% annually for $5 million to $10 million
  • 0.49% for over $10 million

These are also higher than competitors’ fees. Wealthfront, SigFig and Betterment for example, charge 0.25% to 0.35%. But Personal Capital’s overall package is considered one of the most comprehensive in the field.

Personal Capital’s Free Tool vs. YNAB

The main difference between YNAB and the free Personal Capital tool is that the Personal Capital tracking tool gives you a long-term view.

With YNAB, you can manage your budget in line with your paycheck. It’ll help you manage your money for the current week, two-week period or month.

Personal Capital is able to give you a big-picture, long-term view of your money. This is because it includes retirement and other accounts. Also, it shows you how your retirement savings picture looks based on your current spending.

It pulls together current spending numbers, spending goals and more to help make sure you’re on track to save enough for retirement.

Plus, this version of Personal Capital is totally free. You’ll only pay if you decide to use their advisory services.

3. Mint

Mint was founded in 2006 and is currently owned by Intuit. It offers you a way to budget and track your money in one place. And it’s one of the most popular YNAB alternatives.

Like the other services listed here, Mint gives you easy access to your bank, credit card, investment and loan accounts all in one place.

Mac

It’ll also send you alerts if your bank account is running low or you have payments due on loans or credit cards. This is a nice feature because it helps ensure that you won’t accidentally forget to make a payment.

Late payments often result in late fees and raised interest rates. So in that way, Mint can help you save money.

In addition, Mint will let you know how much you’re paying in ATM and other fees. And it’ll alert you if there are any large or unusual transactions on your accounts.

Bonus: Mint helps you keep track of your net worth. It’s displayed at the top of your account every time you sign in.

Mint vs. YNAB

Both Mint and YNAB do a great job of helping you budget. Their interfaces and features are pretty similar.

However, Mint is completely free. There’s no charge to use it. That fact might leave you wondering how Mint makes money.

Mint makes money in a few ways:

  • It offers various financial services to members, and it gets paid a referral fee if you sign up
  • Mint has clickable ads on the site, which gives it the ability to bring in ad revenue
  • You can sign up for premium access to your credit report with Mint, and it charges a fee for you to do that

Since the Mint and YNAB budgeting tools are pretty much equally great, the biggest reason Mint might be better for you is that it’s free. And free is good.

In addition, Mint has several additional features that YNAB doesn’t. It offers a more complete view of your finances and an alert system. Check out the Mint website for more information.

4. CountAbout

CountAbout was founded in 2012.

Its main goal is to be a step up from Quicken. In fact, you can seamlessly migrate from Quicken to CountAbout.

The site will automatically sync your Quicken data into the CountAbout system. One nice thing about CountAbout is that you can rename spending categories as you see fit.

Ynab

CountAbout’s prices are also very reasonable. It costs $9.99 per year for the basic budgeting plan.

If you’re willing to upgrade to the premium plan, you’ll get an added benefit: automatic download of transactions. The premium plan is only $39.99 per year. That equates to a bit over $3 a month.

Along with budgeting tools, CountAbout also provides:

  • Graphs to help you assess income and spending
  • Ways to incorporate recurring transactions and split transactions
  • Apps for Android and iOS

It’s a fairly thorough system that should meet the needs of most basic budgeters.

CountAbout vs. YNAB

The only big difference between CountAbout and YNAB is that YNAB allows investment tracking and CountAbout doesn’t.

And of course, CountAbout is cheaper, even if you do choose to sign up for the premium program.

5. EveryDollar

EveryDollar is the budgeting brainchild of well-known personal finance expert Dave Ramsey. The website says it’ll help you create your first budget in less than 10 minutes. It’s a simple program that’s fairly easy to use for people of almost any technical skill level.

EveryDollar has a free version where you can add income, spending and budgeting information manually.

It also has a premium version called EveryDollar Plus. This version costs $99 per year ($8.25 a month) and gives you the convenient benefit of automatic downloads for your transactions.

EveryDollar vs. YNAB

There are a few differences between EveryDollar and YNAB. YNAB has investment tracking and bill management, whereas EveryDollar does not.

On the other hand, EveryDollar has tax reporting capabilities. YNAB does not.

In addition, EveryDollar is available in the U.S. and Canada, while YNAB is only available in the U.S.

Related Post: Alternatives to the Level Money App

6. Goodbudget

Goodbudget is a budgeting app that helps you determine the “why” behind your expenditures. In other words, it helps you create a value-based spending plan.

It’s based on the cash envelope system and gives you electronic envelopes to put your spending money in when you create your budget.

You can sync your device with your partner too, so that you’re working your budget together. The free version of Goodbudget includes 10 e-envelopes, and works with one account for up to two devices.

The Plus version includes unlimited e-envelopes, unlimited accounts, lets you partner on five devices and more.

Goodbudget vs YNAB

Goodbudget and YNAB are alike in that they both utilize an electronic version of the cash envelope system. The one downside to Goodbudget is that it can’t sync up with your bank. That means all transactions have to be done manually.

However, you can download your bank statements into a supported system like Quicken and then import the info into Goodbudget.

7. PocketSmith

PocketSmith has been helping people budget since 2008. It touts itself as a budgeting app with unique features for every type of budget need, including those with multiple streams of income.

With PocketSmith, you can import your transactions from your bank using multiple bank accounts as long as they’re from the same bank. You can track your income, expenses, net worth and more.

You can make a cash flow forecast and work in multiple currencies too. PocketSmith has a free plan that allows you to budget and import transactions manually.

The Premium plan from PocketSmith is $9.95 per month or $7.50 per month if paid annually. This is their most popular plan. It allows for automatic or manual transaction importation, a 10-year financial projection and unlimited budgets.

PocketSmith’s SuperPlan allows for 30 years’ projection of your financial picture and costs $19.95 per month or $14.16 per month if paid annually.

PocketSmith vs. YNAB

PocketSmith and YNAB are a lot alike: they both offer budgeting, bill management and the ability to sync to your bank.

However, PocketSmith has a cashflow projection/forecasting feature that budget nerds like myself might find appealing. This makes PocketSmith one of my favorite YNAB alternatives.

Ynab

8. PocketGuard

PocketGuard’s big push is that it allows you to know how much money is in your pocket at all times. You can use it to make a budget, monitor your spending, and remind you when bills are due.

By knowing what’s left in your “pocket” for the day, week, or month you can better make fluid spending decisions.

PocketGuard has a free version that allows for importing data from your bank and putting the data into preset categories.

PocketGuard Plus costs $3.99 per month or $34.99 per year when you pay annually. With PocketGuard Plus, you get added features like customized categories, unlimited goals, and more.

PocketGuard vs YNAB

While PocketGuard is great for knowing how much you have to spend and for basic budgeting, YNAB still rules the roost for its attention to detail. The zero-based budgeting platform is great for the most detailed of budgeters.

9. Moneydance

Moneydance is a bit different from a lot of the other apps here in that it’s not cloud-based and it’s not really an app. Instead, it’s more like a Quicken alternative. It’s a software program that allows you to budget, import banking transactions and more.

It’ll help you see which bills are coming due and more. It costs $49.99 to purchase Moneydance as of this writing.

Moneydance vs. YNAB

The main difference between YNAB and Moneydance, is, of course, that Moneydance is a software program that keeps your information local, while YNAB is cloud-based.

That being said, you can save your YNAB locally–the app does have that option.

10. Wally

Wally is a free budgeting app that helps you set money goals and get insights on your spending. The downside with this and a lot of other free apps is that you have to input financial transactions in manually.

However, the app does offer the Wally Gold version, which will sync to your bank account and let you import transactions with bank-level security. As of this writing, Wally Gold was $19.99 for a lifetime subscription.

It’s available for both Android and iOS, and the Wally app will also let you store photos of receipts.

Wally vs. YNAB

Wally is pretty basic compared to YNAB, although the Gold version offers a lot more features than the free version. And reviewers say that it’s not quite as user-friendly as YNAB.

Add Wally to the long list of YNAB alternatives that could be a good choice for you. But YNAB is still among the top-rated budgeting apps.

Ynab Mac Download Apps

Summary of YNAB Alternatives

Using a budgeting program like the ones we’ve mentioned here is important. It helps you avoid common budgeting mistakes that can have a long-term impact on your finances.

You Need a Budget (YNAB) is a popular budgeting tool that’s been around for a long time. It has a way of making budgeting more fun.

Bonus: The site has a light-hearted feel to it. Check out its “About” page for some laughs.

That being said, there are alternative budgeting options out there if you find YNAB isn’t working for you. Depending on what you need, one of the budgeting programs here is likely to suit you.

Have you ever used YNAB or any of the other programs we talked about? Share your thoughts about them on our social media accounts.

Ynab Desktop App

Related Posts