Came here to also recommend YNAB (just an enthusiastic customer, in no way affiliated).
I was a little disappointed in the annual fee increase recently but I can say with absolute certainty that YNAB has saved me waaaay more money than the cost of that fee.
Top features for me:
1. Operates like Virtual envelopes - shift your allocations around easily. Totally account agnostic keep your actual money wherever you want while still tracking it for a specific purpose.
2. Goals - Create goals for your categories- virtual envelopes that remind you how much you need to add monthly to get to your target level by the desired date. Great for specific savings projects.
3. Credit cards - I used to just spend on card and feel good that I would always pay my balances in full. Now I first allocate to specific categories and when I spend on a credit card, my allocated money from that category view to a virtual envelope for my credit card. I’m accounting for my current spending now rather than a month from now.
For item #3, it was awkward to me at first, since it was a little bit different concept in desktop app. But sooner, I realize that it was another aid to let people be aware of credit card spending more precisely.
I was a little disappointed in the annual fee increase recently but I can say with absolute certainty that YNAB has saved me waaaay more money than the cost of that fee.
Top features for me: 1. Operates like Virtual envelopes - shift your allocations around easily. Totally account agnostic keep your actual money wherever you want while still tracking it for a specific purpose.
2. Goals - Create goals for your categories- virtual envelopes that remind you how much you need to add monthly to get to your target level by the desired date. Great for specific savings projects.
3. Credit cards - I used to just spend on card and feel good that I would always pay my balances in full. Now I first allocate to specific categories and when I spend on a credit card, my allocated money from that category view to a virtual envelope for my credit card. I’m accounting for my current spending now rather than a month from now.
Great mobile app too for iOS.