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1. Download YNAB 4 for free at ynab.tk Personal home budget software built with Four Simple Rules to help you quickly gain control of your money, get out of debt, and reach your financial goals.
2. Aug 27, 2014  You Need A Budget 4 (YNAB) Is Now Free For College Students. By Peter Anderson Leave a Comment-The content of this website often contains affiliate links and I may be compensated if you buy through those links (at no cost to you!).

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If you're looking for an alternative to You Need a Budget, you're in the right place.I'm a fan of because I've seen it evolve over the years. I remember YNAB4 when it was a software application you purchased. I remember when it transition to a monthly service. Table of Contents.Why Do You Want to Switch?The YNAB Price Increase – YNAB used to be $50 a year, billed annually. It will now be $6.99 a month, still billed annually so $83.88.

Individual Account QIF importing. Budgeting. Running register balances. Account reconciliation.

Graphs for Income & Spending. Recurring transactions. Investment balances by Institution. Memorized transactions. Split transactions. Description renamingConclusionIf You Need a Budget has served you well, my recommendation is to find a few bucks each month to continue paying for it.

There is no tool that offers what it does at a cheaper price and there's a reason why it's one of the most popular personal finance tools out there – it works.One of the nice things about many of the recommendations on this list is that they have trials or are completely free. Keep with YNAB, try one of the alternatives we listed, and if it wins – switch. If it doesn't, you won't have lost a step with your existing budget. Jim Wang is a thirty-something father of three who has been featured in the New York Times, Baltimore Sun, Entrepreneur, and Marketplace Money.Jim has a B.S. In Computer Science and Economics from Carnegie Mellon University, an M.S.

In Information Technology - Software Engineering from Carnegie Mellon University, as well as a Masters in Business Administration from Johns Hopkins University.One of his favorite tools is, which enables him to manage his finances in just 15-minutes each month. They also offer financial planning, such as a Retirement Planning Tool that can tell you if you're on track to retire when you want.

It's free.He is also diversifying his investment portfolio by adding a little bit of real estate. But not rental homes, because he doesn't want a second job, it's diversified small investments in a mix of properties through. Worth a look and he's already made investments that have performed according to plan.

Since I my battle to get out of consumer debt 15 years ago, I still track every single penny religiously with Quicken. I’ve been pretty much obsessed with monitoring everything to make sure I was exactly where I need to be.That was so long ago and now we’re on the other end and planning to FIRE in 2 years.

I’m hoping that this coming year will be the year that I can let loose on the reins a little and ease off of Quicken.I’ve heard Tiller’s very good, but I think I want to try something a little more hands off for once. I’m going to to try to just use a combination of Mint and Personal Capital as my combo alternative.Thanks for the post, Jim!— Jim. Once you build up a system, it’s easier to maintain. Tracking every penny can be a pain if you do absolutely nothing, but once you have it set up, it’s easy. I think that tracking every penny should be how budgeting is done (or even better, what YNAB does which is forecast your budget and give every penny its job), but so many people just kind of wing it which is how you get into debt when things hit the fan.Tiller is good but it’s for someone who wants a bit of tinkering and getting it perfect for their situation. Tiller is the tool that automates the stuff that is “work” for most, like collecting numbers.I use Personal Capital because it’s better with investments. I like the forecasting tools and never really got into Mint (it’s been many years) since budgeting was not a priority for me.

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Mint is better at budgeting for sure but it’s built with that in mind (and why Intuit bought them to replace Quicken Online, can’t beat them join them type of thing). I used Quicken for ages and like you say, it’s great for tracking expenses. What drove me nuts about it and what drove me to YNAB was the fact that it was really only good for tracking expenses. It’s budgeting features were quite limited–it didn’t let you plan how to spend your money over the long term. This is YNAB’s strength.

I have to admit I’m still kind of annoyed YNAB switched to a subscription model (and am glad I got YNAB4 while it was available) although I at least partially understand why. Dude, Mint requires you to send all your financial information, your bank accounts, and passwords up to their servers. This is not a software package that is kept local on your own computer. This is probably the most important consideration imaginable and, you don’t even mention it. In fact, your language choices even hints in the opposite direction “package” “tools” “budgeting application” all make it almost sound like a traditional software program. Instead, you turn your entire life over to an evil, greedy corporation that can sniff around on your data all they want.

Not cool, Dude not cool. This is an interesting article, I’ll have a look at these suggested alternatives. Personally, I quit YNAB simply because their third-party partner stopped syncing with “international” (non-U.S banks). As of a month ago, that is much easier to do in the UK which is the first country to offer “Open Banking”, so I’m hoping the feature will return.One thing I miss is the “Age of Money” feature, but today I’ve come up with a simple spreadsheet calculation that I call “Income To Balance Ratio”, or I2B. At the start of every month, I sum the balances of all my accounts to get my net worth, then I sum balances of accounts immediately available to determine what percentage of my income I have available, 200% means I immediately have enough to cover two months of expenses.

It’s not as good as Age of Money but it’s much simpler. That’s a really interesting statistic – but I’m not sure the calculation tells you what you think it does. Your calculation gives you the% of your net worth that is immediately accessible, not how many months it covers in expenses. I think you are just getting the percentage of your net worth that is immediately available with that division.Personally, I think of it as “” I discount the items in my net worth (cash gets no discount, a car gets a higher discount) to find out how much cash I could get my hands on within any given moment (or within a month, like selling a car or something similar). Can you recommend an alternative to YNAB that is a standalone app?I’m in Canada, so I can’t link a financial planning app to my bank account, or it will invalidate my service agreement. This is true for all major Canadian banks.

So I don’t need that capability.And in general, I don’t want a web-based service, because I don’t trust any of these companies to keep my financial information secure.I liked the old YNAB (which I still use), because I could download my account information manually and import it, and it stayed only on my own computer. But I am worried about the eventual lack of support for this old YNAB.So is there an app that does what YNAB does, but is standalone (not web based) and that will let me import my own account information?

We loved YNAB4 for a couple reasons 1) the virtual envelope model, 2) multi-device sharing and ‘on the go’ input of expenses, and 3) ABILITY TO FORECAST. This is where the change to the new YNAB lost me, they intentionally took away one of the most useful features for me. YNAB4 provided the ability to not only look at the now, but also look at the future. For my income (base salary with vesting and stock payout) forecasting makes sense and was instrumental in us getting out of debt. When I’ve talked to the YNAB team they continually tell me about their philosophy – which I totally understand – but it’s best suited for those with a primarily variable income. I have somewhat of both stable and variable. Do you have any recommendations that embraces YNAB’s virtual envelope approach, allows cross device functionality, AND allows forecasting?

We’ve been using the now not-supported YNAB4 since the transition to the new YNAB. Ditto to all that has been said by my fellow YNAB4-until-it-dies friends! It’s all about the unique services that YNAB4 has provided us, the ability to make a one-time purchase of the program, the fact that the program is essentially free-standing and loaded on my computer for my use. I’m not interested in uploading or linking my personal banking information to someone else’s server and trusting them to protect my privacy (or to not sell my information).

None of us are looking for something free, but for something USEFUL and PRACTICAL. YNAB4 ticked off all of the boxes for us.

An overview of several months at a time (no longer avail in YNAB), ability to budget several months at a time (also no longer avail?), ability to keep our personal information.well.personal, and a NON-SUBSCRIPTION service. Bring it back! +1I also do not like the new YNAB. I have no problem with the subscription model (or in general paying for good stuff), my problem is the new YNAB is worse than the old YNAB. Overall, the new YNAB has made it HARDER (not easier) for me to manage my budget or look at information overtime.In addition to keeping my data on my machine (and the other features already mentioned), I just find that 75% of the things that made YNAB4 my application of choice have been removed. Ease of use AND usefulness have also decreased. I have a list of about 20+ gripes and counting.It’s very difficult to find an application that provides the right balance and ease of use for establishing a budget, recording transactions, and that are not a nightmare at tax time.When I found YNAB4, I had been looking for an alternative to Quicken.

Now I’m actively looking for an alternative to the new YNAB and I am even considering going back to Quicken. I have used YNAB since late 2009 and don’t mind paying for it more than once. But, I do take issue with not being able to have full control over my own data as I still do for the time being with my “Drop Box” account. I also have grown accustom to seeing more than one month side by side and the ability to run a negative balance in a few isolated sub budgets due to spending patterns for that category. The new YNAB has removed this option and thus is an irritation.If someone comes up with a good alternative to the new YNAB and it’s total control over my budget I sure would like to give it a try.

I absolutely love the “envelope” concept to budget and wants to keep that! I love YNAB4.

Completely changed our lives and now we’ve saved more money than ever.However I can’t stand the new ynab. I hate subscriptions but also they changed the interface(hate) and they changed 3 rules from YNAB4 to the new YNAB which I absolutely cannot stand. It just makes a lot more work to get the same results. It’s harder to “see” what’s going on.

The interface is bad and it’s slow.Mint just bombards you with ads and it doesn’t support envelope budgeting. If i’m going to have to pay for a subscription i’m going to seriously look at mvelopes.

Seems to be the best fit for what I want to do. I am not a financial adviser. The content on this site is for informational and educational purposes only and should not be construed as professional financial advice. Please consult with a licensed financial or tax advisor before making any decisions based on the information you see here.Advertising disclosure: I may be compensated through 3rd party advertisers but our reviews, comparisons, and articles are based on objective measures and analysis. For additional information, please review our.