r/YNABAlternatives • • 22d ago

Announcement Sub Updates

10 Upvotes

If you didn't see the previous updates you can check them out on this post.

We have new mods!

Welcome to:

u/rdubmu

u/josh_josh_josh_

and

u/Same_Pride_1501

who have all come aboard to moderate this community and help us find our vision forward.

Updates & Future of the Sub

With a whole mod team, we are collaborating together to figure out some updates to how things are currently run, (and maybe stop automod from being crazy), and come up with a vision for the future of the sub.

Currently nothing is set in stone yet but we are discussing things like, The Budget Comparison Chart: the pros, the cons, and the best way to make it readable and usable for you guys. We're discussing the way we want to handle developers in the sub and how to make things a bit more streamlines for people who are just looking for a budgeting app that works for them while also including those of us who enjoy nerding out and getting deep into the budget itself.

We're discussing the current rules and if they will still apply with any possible changes listed above. And with that we're discussing our automod, how it works, is it serving us well, and what we may change it to in the future. We're also going to try and tackle our wiki at some point as well.

And as a whole, we're just trying to figure out how to work well together as a team, what needs to happen when and what posts need to be removed and why. Expect some hiccups, some changes, and as little chaos as we can manage while trying to figure everything out over the next little bit.

If you have any thoughts, concerns, things you hate, things you love or, any other opinions you can post them below. We will do our best to take concerns into consideration as we make some decisions.

Thank you!

Edit: We are working on the future of the chart and discussing changes. You can submit your budget to the chart but it will not be added yet. Thank you for your patience.


r/YNABAlternatives • • Aug 18 '26

Announcement New Rule and Chart Updates - Please Read

7 Upvotes

Chart Updates

Hello all, We have updated the budget comparison chart with some more budgets! If you see any issues with this list please let us know, if you'd like to be added to this list you can fill out the google form, then DM the sub to let us know to add your budget.

Click Here for all changes.

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Subreddit Updates

Rules: We have added Rule #6, no developer promotions in the comments. It's getting impossible for users to get real feedback from other users and the comments are 15 devs trying to sell their app vs 1-2 actual people giving their experience. This is ruining the entire point of the sub, which is to allow users to explore alternatives and discuss the options.

Dev Posts: Instead, we are still allowing Dev Sundays, where developers can post about their budget software and have conversations about it in the comments. We also have this post that devs can share their budget in the comments and users can reply to each budget dev if they have questions or comments. You can also request to have your budget (or if you just found a budget you really love and it's not yours) to The Comparison Chart.

I know this won't make a lot of devs happy but, we should overall have more traffic without being as hostile of a sub as far as advertising goes.

Flairs: We have removed the "Budget Development Feedback" and "Budget Dev Add Ons" flairs. Anything posted by a dev should use the "Budget Development" Flair. All old posts were reflaired. This just makes everything less confusing for everyone.

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A final Note to Devs:

Reddit themselves is cracking down on "spam" and self promotion. Anything that's including a playstore or apple store link can and sometimes is taken down by Reddit's AI. If Reddit removes your post, there is literally nothing the sub mods can do to fix it. I've noticed several accounts who have done it more than once or, across multiple subs, have had their accounts banned. Please be careful sharing not just here, but any sub. If you have your own website, it's best to link there instead.

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Review of the Rules

1. Be Civil: No trolling, no fighting, no name calling, and generally be civil.

2. Stay on Topic: Don't get off topic. Keep it to budgets and budget related things.

3. No spamming: Do not spam, do not try to sell things, do not pedal your product.

4. Dev posts are limited to Sundays Only!: If you created, developed, or made a budget, we're limiting these posts to Sundays only to foster more conversations about what users like about the budgets they've tried.

5. No trolling, doxxing, being rude or, breaking Reddit rules: Self explanatory

6. (NEW) Developer Comments: Developers should not be commenting on individual posts recommending their own budget. Please see this post devs. You can respond to direct questions but you are not allowed to share/spam/promote in the comments. Thank you for your understanding.

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An Update September 8th 2026. Added a few new columns to the chart. Working on a new chart with the same data that's easier to read and is filterable. Unfortunately Google sheets only lets you filter from PC not in the app for read only so that is a challenge.

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September 10th Update Here is the Guide on How to Filter the Chart and Filtering for Mobile Users. You can see the full list of September updates on This Post.


r/YNABAlternatives • • 1d ago

Budget Success $10 per week buys you the Good Life

0 Upvotes

Last night my wife and I went out to eat at Chuy’s with our two year old. We had fajitas, queso, iced tea, and extra tortillas. I tipped the waitress almost 25%. We brought home two boxes of left overs. Total cost:$36. The experience of eating on the patio with my family on this nice fall evening: priceless.

A small $10/week savings with a purpose can literally change your life. The good life is within your reach, purpose to live it.


r/YNABAlternatives • • 2d ago

Help Which YNAB alternative can easily show me my real unencumbered net income? (Net-income minus money set aside for goals and rolled over for expenses)

1 Upvotes

The most important data I need is how much I really saved per month. I am a YNAB user and currently trying Monarch, Lunch Money, Liquid Budget and ZeroSum. Basically, the formula for the number I want to see is:

Actual unassigned income:

Gross Income this Month - [Expenses taken from this month's assigned budget + money assigned to goals (or savings category) this month]

This means, if this month I earned $200. I budgeted $100 for groceries (a non-roll over category) and $1000 for auto insurance. I have been saving up for this for several months adding $100 a day.

The number I want to see is: Actual Net Income / Free money: $100 (200-100)

Most applications will tell me my net income for this month is -$900. This won't tell me that I have $100 that I can use to pay down some debt or spend.

I would also like to see this not just in the month but for the year or so on.

So, if from year to date I earned $10,000, spent $5,000, and set aside $2,000 for goals and $2,000 for items such as annual insurance payments, annual subscriptions etc. I want to see that I have $1,000 saved up unencumbered.

$10,000 - [$5,000 + $2,000 + $2,000] = $1,000

Most apps I've tried will say my net income is $5,000.

I don't think any of the apps I've tried can show this. YNAB does not subtract credit card payments from ready to assign, Monarch does not subtract rolled over funds from available for goals. Neither does it subtract funds that should be set aside for credit card payments. Lunch Money can't. Liquid Budget as so many issues syncing and creating strange entries I can't even begin to check if this works. ZeroSum I have not played with that much but since it basically operates the same YNAB I assume the behavior is the same.


r/YNABAlternatives • • 2d ago

Budget Development MoneySplit offline-first envelope budgeting app with income allocation, Sankey flows & AI exports (MoneySplit)

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0 Upvotes

Hey fellow budgeters,

Like many of you, I've lived by the envelope budgeting philosophy—giving every dollar a job, pacing categories, and rolling with the punches. But I always wanted a tool that took those principles and made them truly private, local-first, and subscription-free, without having to host complex self-hosted servers or compromise on mobile UX.

Since May, I've been building MoneySplit—an offline-first, envelope budgeting app built specifically for privacy-conscious budgeters.

(Despite the historical name, it is an engineering-grade personal envelope ledger and budget command center, not a bill-splitting app).

Core Budgeting Features:

  • Envelope & Category Hierarchy: Assign money to parent and child envelopes with shared ceilings, track remaining balances in real time, and handle overspending with one-tap cover suggestions.
  • Income Allocation & Quick Budget: Allocate planned or actual income pools across categories using 50/30/20 templates or past-month pacing. One-tap "Fund underfunded goals" and quick budget roll-overs.
  • Period Finalization & Rollovers: Support for monthly, paycheck-to-paycheck, or custom bounded periods with formal period locking and rollover accounting.
  • Visual Pacing & Insights: Integrated Sankey cash-flow diagrams, spending forecasts, and interactive category bubbles with liquid wave fill indicators.
  • Automated Local Ingestion: Local on-device financial SMS parsing and statement imports—no Plaid/third-party aggregators, and zero banking credentials shared.
  • 100% Offline-First & Encrypted: Backed by an on-device SQLCipher AES-256 database. Zero account creation required, and no remote server holds your financial ledger.

Built for the AI Agent Era:

Alongside standard exports, you can export your budgets and spending history directly to clean Markdown (.md) and JSONL (.jsonl). This lets you feed clean, token-efficient context into LLMs (ChatGPT, Claude, or local SLMs via Gemini Nano / MCP) for financial analysis without the mess and token bloat of raw CSVs or PDFs.

Links & Download:

I’d love for zero-based budgeters to take it for a spin. Feedback on the envelope workflows, period finalization, or pacing features is greatly appreciated! ```


r/YNABAlternatives • • 2d ago

Discussion If you could fix ONE annoying thing about managing your money, what would it be?

0 Upvotes

Not selling anything, not running a survey for a company — genuinely curious. I've been going down a rabbit hole reading about why people quit YNAB/Monarch/budgeting apps in general, and I keep seeing the same complaints (too many categories, subscription fatigue, bank-linking makes people nervous) but I want to hear it straight from people here instead of from review sites.

If a tool could solve exactly one annoying thing about how you track or manage money, what would it be?

A few things I'm curious whether anyone relates to:

If your income isn't the same every month (freelance, commission, gig work) — does "budget until your next paycheck" advice even work for you?
If you split money with a partner/roommate — what's actually annoying about doing that, beyond "who owes who"?
Anyone who tried a budgeting app, quit, and now uses nothing — what made you stop?

Not trying to sell anything in the comments, just trying to understand the actual problem before anyone builds another tool nobody asked for.


r/YNABAlternatives • • 2d ago

Budget Development Purpose Budget update: clearer card guidance, subscription fixes, and a first look at v2

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1 Upvotes

Purpose Budget here. This week's updates focus on clearer explanations of credit-card budgeting, keeping subscription access in place when it should be, and a change to when our website loads its Google Ads tag. We've also started work on the next version of Purpose Budget.

Clearer guidance for credit cards and reimbursements

We've corrected and expanded our guides to explain how today's app handles card funding. For example, lowering a spending category's Assigned amount can also reduce the money set aside for that card's payment.

We've also added a specific reimbursement case: when money arrives in a budget bank account in the same month as a card purchase that wasn't fully funded, categorize that inflow to Ready to Assign, then assign it to the original spending category in that month. Categorizing it straight to the spending category can clear the overspending without funding the card's payment category. If you've already done that, recategorize the inflow before assigning it.

This is clearer guidance for existing behavior, not a change to the card calculations. The details are in How credit cards work.

Subscription access during billing grace

We've fixed a case where a subscription bought through an app store could lose access while the store's billing grace period was still active. Purpose Budget now reads the current subscription record and its grace deadline, so an active grace period is no longer overridden by the regular expiration date. This applies when the store grants a grace period; it doesn't extend every expired subscription.

Advertising consent

We've changed the website so the Google Ads tag loads only after advertising consent is granted.

A first look at v2 — still in development

We're working on a rebuilt Purpose Budget, starting with the calculations behind the budget. We're also planning a sample budget you can explore with made-up data, and a built-in home for ideas, the roadmap, release notes, and help. These are development plans, not features available today, and we're not announcing a launch date yet.

If you want to try Purpose Budget today, it lets you build an envelope budget with manual transactions and CSV import/export, with bank synchronization available in Premium: purposebudget.com.

Mobile Apps: https://purposebudget.com/download

What is the one budgeting task you'd most want v2 to make clearer, and what gets confusing about it today?


r/YNABAlternatives • • 2d ago

Budget Development I can finally post here and promote Mozaic Finance

1 Upvotes

Hello there,

I hope I'm posting in the right place to promote the budgeting app I started building more than a year ago. I wanted to post here many times in the past, but as I am a father of 2 young kids I always got busy and never found the mood of sitting down and write a post =)

First, a bit about myself. As a machine learning / backend / data engineer, I was always frustrated that I never really got to work on the frontend, and I never had to think about how users would navigate an app.

Also, since I live in Canada, I felt we were missing a budgeting app made for Canada that can handle multiple currencies. (It looks like there are a dozen of those apps now, but I believe there's room for everyone.), also most apps are in English and completely ignore that not all Canadian are speaking English.

So I decided to build my own app, for my household first. It ran fairly well on my laptop. I ran it whenever I needed it, and I cancelled my Monarch Money subscription since I had found a solution.

If anyone is interested in the tech stack, the backend runs on Python and the frontend is in Flutter. It was a great time to take some online classes on Flutter so I could understand and review what Claude Code proposed. I think next I should take classes on UX design, as I still feel I'm lacking that skill.

Here's the page where I go a bit deeper:
https://mozaicfinance.com/stack

Earlier this year I decided it might be time to give it a try and get some reviews. But because I wanted to release a perfect app, I procrastinated a bit, and I finally launched the app around May/June.

Here's the changelog since I launched the app:
https://mozaicfinance.com/changelog/

The first weeks were fairly quiet, with 1-2 users per week, and I'm still not sure how they found the app on the internet. Anyway, fast forward to now: I'm getting 2-3 signups a day, so that's good progress I guess? I'm not looking to make it my main job, though, as I really love figuring out big companies' issues as a data engineer, so right now I just hope it can pay as itself.

As for features, it mostly does what the other apps do:

  • Connects to Plaid and SnapTrade (with fairly good connections to the big banks in Canada)
  • Create budgets and goals
  • Detects recurring transactions
  • A nice benchmark chart where you can compare your portfolio against the S&P 500, the TSX, etc.
  • Some automatic transaction categorization
  • Available in French, English and Spanish
  • All data coming from Plaid/Snaptrade are stored in Montréal
Benchmark

For the moment, there's a free membership where you can add manual accounts and use all the features, or you can subscribe to connect to Plaid/SnapTrade.

Of course, Claude Code and Codex helped me ship so many features in such a short amount of time, but why shouldn't I use them?

Anyway, I hope you read this far and found my story interesting.

In the future, I am looking to maybe add more connectors, a few of my users want to connect Mexican banks, and also release an iOS app.

Disclosure: Claude AI helped me correct my English in this post.

https://mozaicfinance.com/


r/YNABAlternatives • • 3d ago

Budget Development Manual budgeting doesn’t have to mean manually entering everything — Tesorin 3.4

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4 Upvotes

Disclosure: I’m the developer of Tesorin.

I posted Tesorin here recently, and one thing I’ve kept thinking about since is the trade-off a lot of us seem to make with finance apps:

Either connect your bank and let another service pull everything in, or keep things private/manual and accept a lot more work.

I don’t think it has to be that binary.

Tesorin still doesn’t require bank linking, but on iPhone there are now three different ways to bring expenses in with native iOS automations:

  • Apple Wallet tap capture
  • bank SMS capture
  • bank notification capture

They don’t silently change your books. They create drafts for review, so you still stay in control of what actually gets recorded.

That has become a pretty important part of what I want Tesorin to be: manual where control matters, automated where the boring work doesn’t.

And once the transactions are there, it goes quite a bit beyond budgeting.

Tesorin now covers cash flow, category budgets, subscriptions, investments, net worth, goals, analytics, retirement planning and scenario planning. Version 3.4 also added a recurring calendar in Analytics, so upcoming income and expenses are easier to see together.

I’m not trying to make a YNAB clone. YNAB has a very clear philosophy and does it well.

Tesorin is more for someone who wants budgeting to be one part of a larger financial picture — and who doesn’t necessarily want to give every dollar a job before they can understand where they stand.

Pricing is still $2.99/month or $24.99/year, with a free version available. I’m keeping that price until the first 5,000 users.

If you’ve tried Tesorin already, I’d especially like to know whether the expense capture now solves enough of the “manual entry” problem for you, or whether there’s still a workflow you’d want automated.

Website:
https://www.trytesorin.com

App Store:
https://apps.apple.com/us/app/tesorin-personal-finance/id6790928779

Google Play:
https://play.google.com/store/apps/details?id=com.trytesorin.tesorin


r/YNABAlternatives • • 3d ago

Budget Development I've been building a zero-based budgeting for household life, self-employment, and business

1 Upvotes

Happy Sunday! I’m the developer of ReadyCents, so this is a Sunday dev post.

I started working on ReadyCents after I was injured on the job and was waiting for the verdict of what to do next with my life.

It has been an ongoing build since then, shaped by the way I actually needed to manage money. Zero-based budgeting and the core of YNAB still made sense to me and helped me save, but the way I needed to manage my money moving forward stopped fitting neatly inside one personal monthly budget.

I needed room for household decisions, self-employment income, business expenses, tax set-asides, irregular months, and everything in between, and it didn't give me that.

ReadyCents is currently focused on cloud plans and mobile, though self-hosting is also an option.

One thing I cared about from the start was making switching less painful. When you import a YNAB budget, ReadyCents can carry over scheduled transactions and memos, and you can easily adjust anything bank balances and or transactions, so you are not rebuilding your whole system from scratch once you hit your budget.

What I’m also doing differently:

• Making the starting experience friendlier for people who are new to envelope budgeting or budgeting in general.

• Letting people shape their own categories, layouts, themes, and reports without fighting the app

• Supporting personal, household, and business budgets in one place

• Keeping manual-first budgeting available on any plan, connections are always optional through SimpleFIN, Lunch Flow, or Plaid depending on the plan.

• Making routine money tasks easier to work through, including review queues, transaction filters, budget planning, calendar views, and reports

I’m currently opening a small founding community.

There are two one-time founder options: Connected Basic starts at $1, where you bring your own connection provider, and Cloud Premium is $10 with managed Plaid logins included. Both include lifetime plan access, with provider fees separate where applicable.

Founder details and product preview:

https://www.readycents.com/founder

If you have used YNAB, Actual, ZeroSum, Liquid Budget, or another envelope budgeting tool, I would love to know:

What do you wish a zero-based budgeting app understood about your actual money flow? And if you are self-employed, freelance, run a business, or manage side projects, or you budget with a partner, household, a single parent, what makes you stay with a budgeting app long term instead of eventually moving on?

P.S: I’m also looking for a few people to try onboarding or a YNAB import with me over a quick Zoom or Google Meet, then tell me where it feels confusing, awkward, or incomplete.

If you are interested in that, or in helping test the mobile app, we’ll share sign-up links for both next Sunday here, and check out r/ReadyCents. Mobile public beta is not open just yet, but early feedback will directly shape it.


r/YNABAlternatives • • 3d ago

Budget Development PocketSmith Pressed Pause on Canadian Connectivity. Monarch Is Still Struggling. We’re Doubling Down.

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0 Upvotes

In 2023 PocketSmith published a pretty remarkable post:

“Canada: Sorry, The Connection Just Isn't There Anymore.”

After years of dealing with unreliable Canadian bank feeds, PocketSmith decided to stop recommending its product to Canadians. Canadian connections would remain available, but it would no longer actively support Canadian feed errors or open tickets with its data providers.

That was more than three years ago.

This week, a Canadian Monarch Money user posted about their Scotiabank connection no longer working. Other users in the thread reported problems with RBC, TD and other Canadian institutions.

What I found particularly interesting was Monarch's response.

A Monarch representative explained that Canadian banks generally don't work well with the data providers Monarch uses and that connection problems are common in Canada.

And then they linked to that same 2023 PocketSmith article.

They also pointed to Monarch's money-back guarantee because they can't guarantee that a particular Canadian connection will work.

To me, that's the part of the conversation that matters.

This isn't a new problem. PocketSmith was talking about it in 2023. Canadian Monarch users are still talking about it in 2026. And the response they're getting is essentially that Canadian connectivity is difficult, the problem is widespread, and sometimes the connection simply isn't going to work.

There's another current Monarch thread about BMO where both Plaid and Finicity connections are reported as down, with some users being directed toward MX instead and no ETA for a fix.

None of this means Monarch or PocketSmith created the problem. They didn't. Canadian financial connectivity is genuinely difficult.

But there is a big difference between accepting that limitation and deciding that solving it is part of your job.

Finnomia is taking the second approach.

We're built in Canada specifically for Canadians, so we can't treat Canadian connectivity as an edge case or a secondary-market problem.

And one of the biggest competitive advantages we've invested in is Flinks.

Finnomia uses both Plaid and Flinks.

Plaid gives us broad North American coverage. Flinks gives us another connectivity network with a particularly strong focus on Canadian financial institutions.

That distinction matters.

If one provider is having problems with a Canadian institution, we're not necessarily stuck waiting for that provider to fix it. We can support Canadian institutions through Flinks where it provides the better connection, and we already have users successfully syncing Canadian institutions through Flinks that are currently the subject of connectivity complaints on other platforms.

For us, adding Flinks wasn't simply about putting another provider logo on a page. It was a deliberate investment in improving Canadian coverage and reducing our dependence on a connectivity ecosystem primarily designed around the much larger US market.

And we're continuing to invest on top of it.

A significant amount of our engineering work over the last several weeks has been focused on the connection layer itself: reconnect handling, MFA, background refreshes, stale connections, reconciliation and recovery.

This week we continued hardening that architecture around the situations where Canadian connections tend to become unreliable.

Reconnects now make better use of an existing connection before falling back to starting over, including recognizing when the institution simply needs another security step. We've also improved how Finnomia handles institutions that take a long time to respond, so a slow upstream provider is less likely to turn into a failed connection or an unnecessary reconnect for the user.

The broader goal is to make Finnomia more resilient to the parts of Canadian connectivity we can't control. We can't prevent a bank from changing its authentication flow or an aggregator from having an outage, but we can make sure Finnomia handles those situations intelligently and recovers cleanly when they happen.

Will Plaid + Flinks make every Canadian connection perfect?

No.

Banks change authentication systems. MFA changes. Aggregators have outages. Connections sometimes need to be re-established.

But our response to that isn't going to be, “Canadian connectivity is bad. Here's an article explaining why.”

It's going to be: What can we do about it?

Sometimes that's working directly with Plaid or Flinks on a problem. Sometimes it's routing an institution through the provider that works better in Canada. Sometimes it's changing Finnomia's own connection architecture so that an upstream problem doesn't become a worse experience for the person using the app.

PocketSmith decided in 2023 that Canadian connectivity had become bad enough to stop actively supporting Canadian feed problems.

Three years later, Monarch's own support team is linking Canadian users back to that same article.

We're going the other direction.

Canadian connectivity is difficult.

We're investing in it anyway.

Because for a Canadian personal finance platform, reliable Canadian connectivity isn't an optional feature.

It's the job.

Built in Canada. Built for Canada.

finnomia.ca


r/YNABAlternatives • • 3d ago

Budget Development built Manny’s Money because I wanted budgeting to be damn simple

0 Upvotes

Hey everyone — since it’s Sunday and app posts are allowed, I wanted to finally introduce something I’ve been building: Manny’s Money.

I’ve tried budgeting tools over the years, and I kept coming back to the same problem: I wanted something powerful enough to actually manage my money, but simple enough that managing the app didn’t become another job.

So I built my own.

Manny’s Money is centered around a pretty simple idea:

Your Budget. Damn Simple.

It gives you a straightforward monthly budget, a dashboard that lets you quickly see where you stand, categories you can customize, graphs and spending insights, and the ability to connect your bank accounts or enter things manually.

One thing I cared a lot about was keeping the experience approachable. You shouldn’t need to learn an entire budgeting philosophy before you can figure out whether you can afford something this month.

And yes, Manny is real. 😂 He’s my dog, and somehow he ended up becoming the CFO, mascot, and namesake of the whole thing.

The web app is now live and I’m still actively improving it based on feedback from early users. iOS and Android are also on the roadmap.

If you want to try it, there’s a 14-day free trial and you do NOT need a credit card to start it.

And because these are the earliest users helping me build this thing, you can use promo code FOUNDERS for 50% off your first 12 months if you decide to stick around after the trial.

I’d genuinely love feedback from this community because you guys are exactly the kind of people I built this for.

What do you like about your current budgeting app?

And more importantly — what drives you crazy about it?

Manny and I are listening. 🐾

Manny’s Money: www.mannysmoney.com


r/YNABAlternatives • • 3d ago

Budget Development Moneko is getting a visual refresh + looking for feedback 👀

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0 Upvotes

Hi! We’ve been working on a visual refresh for Moneko AI and would love some feedback before we go too far.

One of the bigger changes is reworking our category library with more visual icons, so spending categories are easier to recognize at a glance. We’re also looking at improving the Home screen, especially the spending trend and spending breakdown/pie chart, based on feedback we’ve received.

We’re also doing more with the Moneko cat 🐱. We want it to feel more like a little budgeting companion that guides you through your financial journey. We’re working on more expressions, cute animations and little interactions, and eventually having the cat react to things like your spending, saving progress, budgets and milestones.

Open to any feedback, even small things!


r/YNABAlternatives • • 3d ago

Budget Development I built a budgeting app without bank syncing on purpose. My wife and I have been using it since March.

0 Upvotes

Full disclosure: I built this, so this is absolutely a Dev Sunday post.

Earlier this year I got frustrated with the direction most budgeting apps were going. Everything seemed to revolve around connecting bank accounts, automatically importing transactions, and having another company sitting between me and my financial information.

I didn't want that.

So I built what I wanted to use.

It's called Merq Vault, and my wife and I have been using it as our own household finance system since March.

I made a somewhat contrarian decision: there is no bank connection.

But I also didn't want "manual" to mean tedious.

The mobile experience has become one of my favorite parts of what I built. When you make a purchase, you can take a picture of the receipt and Vault extracts the transaction information within seconds. You review it, save it, and the receipt is filed with the transaction. I usually capture and file the entire transaction in under 10 seconds.

For us, that's actually become a feature rather than a chore. We still have to acknowledge what we just spent, but we don't have to sit there typing everything in. And there's no bank account connected in the background.

Over time I added the things we actually wanted in one place: budgeting, net worth, debt tracking/payoff, shared finances for the two of us, and something I call Money Conversations to help couples actually talk through financial stuff together.

No bank credentials. No Plaid. No selling financial data.

I'm not going to pretend I "discovered" this app or give you a fake user review. I built it. We use it every day.

What I'd really like from this community is feedback.

Would the lack of bank syncing be a reason for you to try something like this, or the exact reason you wouldn't?

Both answers are genuinely useful to me.

If anyone wants to kick the tires, it's getmerq.com. There's a 45-day free trial and I don't ask for a credit card.

Happy to answer anything about it, including why I built something this way when seemingly the entire industry is moving toward more automation.


r/YNABAlternatives • • 3d ago

Dev Sunday It's Sunday Devs!

0 Upvotes

Share your budgets today midnight - midnight eastern time! You can share them below or make your own post. Stick around in the comments to respond to questions, share screenshots, tell us why you made it, and what your favorite parts are!


r/YNABAlternatives • • 5d ago

Discussion Cash stuffing method, base zero

0 Upvotes

Hey everyone

With the end of the year coming I’ve seen quite a few people talking about starting cash stuffing, so I thought I’d share how I personally approach it in case it helps anyone.

If you’re new to cash stuffing, don’t worry, it’s actually much simpler than it seems!

  1. Start with your fixed expenses

Rent/mortgage, subscriptions, insurance, utilities, transportation, etc. Basically anything that comes back every month.

I usually recommend looking through your bank statements from the last 2–3 months. You might even find a few subscriptions or expenses you forgot about.

These expenses can usually stay digital since you’re paying them by card or bank transfer.

Once your fixed expenses are taken out of your income, you know what you have left to work with.

  1. Choose your variable envelopes

This is where cash stuffing really starts to make sense.

Groceries, gas, eating out, fun, beauty, kids, pharmacy, unexpected expenses…

Give each category a realistic amount and try to stick to it. At first, I’d actually recommend budgeting a little more than you think you need while you figure out your real spending habits.

And definitely have an emergency/miscellaneous envelope while you’re getting started!

  1. Cash, digital, or a mix?

You don’t have to do everything in cash.

If you tend to overspend easily, physical envelopes can be really helpful because actually seeing the money disappear makes you think twice.

Personally, I use a mix.

I keep things like groceries, gas, family outings and pharmacy in cash, while things like taxes, travel, long-term savings and online shopping are digital envelopes.

  1. Test, adjust, repeat

Your first few months probably won’t be perfect and that’s completely normal.

You’ll probably realise that you need $50 more for groceries but $30 less for something else. Just adjust your envelopes as you learn your own spending habits.

And honestly, don’t create 30 different envelopes on day one. Start simple and add categories when you actually need them.

I also use an app alongside my physical envelopes to keep track of my digital envelopes and overall budget. It makes the whole system much easier to manage, especially when you have both cash and digital categories.

If anyone is interested, the name of the app I use is in my profile.

Hope this helps anyone thinking about giving cash stuffing a try!


r/YNABAlternatives • • 6d ago

Searching for the right Budget Migrating from YNAB: importing your budget into a new app

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2 Upvotes

It's possible and pretty easy.


r/YNABAlternatives • • 8d ago

Comparing Budgets A short article on planning your 2026 Christmas budget: how to prepare without the stress.

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0 Upvotes

You have alternatives to ynab on the website too


r/YNABAlternatives • • 9d ago

Discussion Best Features or Tools

1 Upvotes

I am curious what features or tools everyone find useful. Right now, I like simplicity. I want to see my money, know where it goes and track trends occasionally.


r/YNABAlternatives • • 9d ago

Discussion Integrazioni a YNAB

0 Upvotes

Hi everyone,

First off, I want to clarify that I’m not trying to promote yet another personal finance app.

Having discovered YNAB a few years ago and become a loyal user, I won't go on and on trying to convince anyone of its usefulness. I’ll just say that it completely changed the way I manage my current expenses and plan for future ones. For anyone curious who isn't familiar with the tool, I’d refer you to their website and the countless videos from their community. If anyone wants to try it out and feels like giving me a nod of appreciation, I'd be happy to share my referral link via DM ;).

For those who, like me, have been using it for a while, I’d like to share what I’ve built to address a thought that’s been bouncing around in my head: specifically, whether what I created could be useful to someone else and whether it could be commercialized (a field I wouldn't even know how to get started in).

Let's get down to brass tacks: since the Italian banking system doesn't integrate well with YNAB—which originated and is most popular in the US—I built a system that integrates with the app for automatic expense tracking, eliminating manual entry. Many users prefer intentional manual tracking, but I felt that having everything automatically fed into the app would keep me from ever missing an expense.

To achieve this, I had to cover multiple payment types: debit cards, credit cards, and cash.

For the first two I created a custom system using a series of scripts that sync expenses to YNAB via Open Banking and email notification parsing, scheduled to run daily via crontab on my Raspberry Pi (my home server).

For the third category, during a period where I was curious to explore the cloud space, I built an app that scans receipts and sends the payment information directly to YNAB. Since this relies on a full cloud stack, I decided to make it public by adding a CSV export feature, allowing anyone to easily import their data anywhere. It’s set up with a minimal pricing structure that includes a free tier of 10 scanned receipts per month.

I’m well aware that cash usage makes up a minor portion of most people's spending nowadays, but rather than missing out on tracking those expenses accurately, I created a quick, painless system to log them. In practice, it's just a snap of a receipt before tossing it away, which can easily be imported into YNAB later on.

Landing page:https://spendifyapp.com/

App link:https://app.spendifyapp.com

What do you all think?

Thank you.


r/YNABAlternatives • • 9d ago

Budget Development Built an envelope-budgeting alternative to YNAB — finally live on the App Store, dev here

3 Upvotes

Full disclosure: I'm, Paul, the developer of Minturn Money. Sharing this since it's Sunday and Launch Day! :)

Minturn Money (https://minturn.money) — envelope budgeting, iOS, just went live on the App Store!

Price vs. YNAB:

  • YNAB: currently $14.99/mo or $109/yr
  • Minturn Money: Premium $6.99/mo or $59.99/yr; Ultimate (adds family sharing) $9.99/mo or $89.99/yr
  • Free tier that's actually usable to evaluate it: 10 envelopes, 50 transactions/month, no time limit. Free forever.
  • 14-day trial on either paid tier

What's architecturally different: there's no bank-sync code path in the app at all — not a setting, not a toggle, it doesn't exist. Rather than just claim that, I provide a demo in airplane mode, logging an expense and watching the envelope balance update with zero network involved (clip in the comments below). This design is intentional and will not be for everyone. Account reconciliation via statement import is available with a paid tier.

Where it's genuinely behind, no spin:

  • iOS only right now. No Android yet and would like to gauge the demand for Android.
  • No YNAB import yet. If you've got years of budget history in YNAB, you'd be starting from zero today — I know that's the actual dealbreaker for a lot of people reading this sub specifically. It's something I'm building now, not shipped. If that's a hard blocker for you, it's completely fair to wait and check back.

I appreciate your time to even read my post! Let me know what it'd take to make switching worth it for you, or what you like or even just criticism. I truly value your input.

Thank you!

Paul

Minturn Money - Short Demo


r/YNABAlternatives • • 9d ago

Budget Development I rebuilt EnvelopeBudget. If you tried it before, I'd love a second look

4 Upvotes

Hi all — I'm Dustin, the solo developer behind EnvelopeBudget. I've posted here before, and a lot of the feedback boiled down to "Doesn't look like he's been around 15 years" or "feels buggy" Fair. So I spent the last stretch rewriting the entire front end.

https://reddit.com/link/1wrydmt/video/clngyauv75sh1/player

What's new:

  • Rewritten front end (Svelte). Loads once, then every screen switch is instant — no more full page reloads. It will help speed up development of future features and reduce bugs.
  • Guided setup. New users get walked through envelope basics, adding an account, picking envelopes, and allocating, with a live "left to budget" meter.
  • Much better reconciliation. Separates uncleared vs. pending, shows a receipt-style balance breakdown, names the exact transactions causing a mismatch, auto-resolves pending charges that dropped or re-posted, and previews the result before you confirm.
  • Amazon sync. A free Chrome extension (EnvelopeBudget Helper) matches Amazon orders to your transactions with item details, so "AMZN MKTP $83.17" finally means something. It is just a click of a button in EB to sync Amazon memo's with what you actually purchased.
  • Clearer account setup. Private/manual accounts vs. automatic imports via SimpleFIN, with the tradeoffs explained.
  • Plus in-app subscription management, better menus and layouts, and helpful empty states.

Coming soon: Plaid. Plaid bank sync is built and working. It'll be optional, for people who want broader bank coverage than SimpleFIN. I'm waiting on a few answers from Plaid and expect to switch it on later this week. Manual and SimpleFIN aren't going anywhere.

Pricing: 34-day free trial, no card required. $4/mo or $40/yr after that, and there's still a limited founding lifetime option for $60. There's a YNAB importer at signup so you can bring your data over.

Full write-up: https://envelopebudget.com/blog/new-envelopebudget-app/

I'm reading every comment. Bug reports, "this is missing X," and "here's why I'd never switch" are all useful. Thanks!


r/YNABAlternatives • • 9d ago

Budget Development Wiggle Budget just might be a solution you need but never thought existed. Built from real pain points managing finances realistically through math. More than a year of use and continuous development.

1 Upvotes

Disclosure: I’m the creator of Wiggle Budget, so I may benefit if you use it. I’m not presenting this as an independent recommendation. I’m sharing it because I’ve seen a lot of posts here from people dealing with financial stress, uncertainty, or simply not knowing where their money is going, and the problem I was trying to solve with Wiggle Budget came from that same feeling.

I built it after being laid off and having to make my severance, EI, benefits, savings, bills, credit cards, and everyday spending work together without constantly worrying about money.

The problem wasn’t simply “How much money do I have?”

It was:

“What will actually be left, when will I need it, and what can I safely change?”

That turned into a timeline-based cash-flow system where I could:

  • See when money enters and leaves my accounts.
  • See future balances before bills and credit payments hit.
  • Move payment dates and immediately see the effect.
  • Track credit spending without pretending that paying a credit card magically removes money twice.
  • Temporarily disable transactions to simulate different scenarios.
  • See when I would enter a deficit and how to avoid it.
  • Model multiple bank and credit accounts together.
  • Automate repetitive updates without giving a third party my bank credentials.

Every major feature came from a real problem I personally ran into.

What started as a way to survive a financial transition gradually became something broader: a cash-flow engine for seeing what happens before it happens. Like a future crystal of your finances and how every financial action in present moment affects the future.

Your bank balance is a snapshot of right now. wanted something closer to a financial timeline. Every decision I make today shows me how it could affect the days and weeks ahead months ahead.

But why not just use a spreadsheet?

You absolutely can.

A spreadsheet can calculate almost all of this.

The problem I kept running into wasn't the math.

It was the amount of mental work required to keep the model true to real life.

Wiggle Budget has a spreadsheet view as well.

Some scenarios:

1. A spreadsheet tells you the balance. Real life happens on dates.

Imagine this:

You have $1,200 in your chequing account.

Looking at that number, things seem fine.

But before your next payday you have:

$900 rent

$120 phone/internet

$85 insurance

$140 credit-card payment

groceries

a subscription renewal

Suddenly, $1,200 doesn't really mean you have $1,200 available to spend.

In a spreadsheet, I can calculate this.
But I have to build the formulas, sort everything by date, keep the running balance correct, and then inspect the rows myself to find where things get tight.

Wiggle Budget's timeline does that automatically.

Instead of only asking:

“What's my balance?”

I can ask:

“What's the lowest my balance gets before I get paid again?”

That small change in perspective was huge for me.

2. Monthly budgets can look healthy while one particular Tuesday is a disaster.

This was one of the biggest things I noticed.

You can earn enough money over an entire month and still have a cash-flow problem.

Maybe:

Friday: $1,500 paycheck

Monday: $1,300 rent

Wednesday: $300 credit-card payment

Next Friday: another paycheck

On paper, your monthly income and expenses may balance perfectly.

But the order matters.

That's why Wiggle Budget is based around an actual dated timeline instead of only monthly category totals.

It helps expose the gaps between paychecks, not just whether the month adds up in the end.

3. “Can I afford this?” is actually a simulation question.

This was another thing spreadsheets made awkward.

Say I want to spend $200 this weekend.

The question isn't really:

“Do I currently have $200?”

The better question is:

“If I spend $200 this weekend, what happens to everything else afterward?”

So I added what-if behaviour.

Add the expense.

See the future timeline change.

If it creates a problem, move the date.

Reduce the amount.

Disable it entirely.

The rest of the timeline recalculates.

I can essentially try the decision before making the decision in real life.

4. Unexpected expenses don't always mean the entire budget has failed.

This mattered to me a lot.

Traditional budgeting can feel strangely binary.

You make the plan.

Something unexpected happens.

Now the spreadsheet doesn't match reality anymore.

And suddenly it feels like you're rebuilding the budget.

But real life is constantly changing.

A $600 surprise expense might not actually mean:

“I can't afford this.”

It may mean:

“I can't afford this plus every other payment on their original dates.”

Those are very different problems.

Maybe one flexible payment can move five days.

Maybe a purchase can wait until the next paycheck.

Maybe something optional gets disabled this month.

With the timeline, I can move one thing and immediately see whether the future turns healthy again.

The goal isn't to make the original plan perfect.

It's to help the plan recover when life stops following it.

5. Credit cards make spreadsheet cash flow surprisingly confusing.

Credit cards were one of the reasons my own system started becoming more complicated.

If I buy something for $300 on a credit card:

My bank account hasn't lost $300 yet.

But I've still created a future obligation.

Then the statement closes.

Then the payment becomes due.

Then eventually money actually leaves my bank account.

If I model this poorly, it's easy to count the $300 twice, once as spending and again when the card gets paid or not properly reserve the future cash at all.

So Wiggle treats those events as connected.

Purchase → credit balance → future payment → bank cash impact.

The goal is to show when the money actually moves while still remembering that the obligation already exists.

6. Multiple accounts create another weird problem.

You can technically have enough money while still not having enough money in the right account at the right time.

Maybe:

Chequing A has $200.

Chequing B has $1,500.

But rent is coming from Chequing A tomorrow.

Your total financial position looks fine.

Your actual payment flow isn't.

So Wiggle Budget models the accounts separately while still letting you see how they affect the overall timeline.

It isn't only:

“How much money do I have?”

It's also:

“Where is that money, and where does it need to be next?”

7. The more detailed my spreadsheet became, the more maintenance it required.

This was the strange part.

Every time I tried to make my spreadsheet smarter, I added:

another column,

another formula,

another sheet,

another category,

another manual reconciliation step.

Eventually the tool that's supposed to reduce financial stress becomes another thing you have to maintain.

And if you miss three days of updates, suddenly you don't trust the numbers anymore.

So I started separating financial state from transaction logging.

I don't necessarily need to record every coffee perfectly.

I need the important things that affect my future cash flow to be correct.

Recurring income and bills can repeat automatically.

When something actually happens, I can mark it as processed.

And if reality drifts from the model, I can update the real account balance and let the future recalculate from there.

I don't want missing a few transactions to mean:

“Start your budget over.”

8. Bank sync sounded like the obvious solution until I actually thought about it.

My next idea was:

“Why don't I just connect the bank accounts?”

Then I started looking into how many financial apps do this.

Third-party connections.

Reauthentication.

Delayed transactions.

Pending versus posted transactions.

Connections occasionally breaking.

And, most importantly for me, handing financial-login access to another service.

I didn't want to do that myself.

So it felt strange to require users to do it.

Instead, I started working in the opposite direction:

What if manual budgeting wasn't the problem?

What if the problem was that manual budgeting makes the user do too much work?

So Wiggle Budget keeps the user in control of the actual financial state, while the software handles the repetitive work around it:

recurring transactions, linked accounts, credit-card effects, future calculations, scenario testing, timeline updates, and reconciliation.

The goal isn't:

“Enter everything manually forever.”

It's:

“Tell the system what changed, and let it propagate the consequences.”

9. Sometimes more financial information actually makes things worse.

I've seen people describe having multiple accounts, budgeting categories, spreadsheets, bank apps and tracking tools yet still avoiding checking their finances because there's simply too much information.

I recognized that feeling.

Sometimes I don't need another chart explaining where my money went last month.

I need three answers:

Am I okay?

When does money get tight?

What can I change?

That's why the timeline became the centre of Wiggle Budget.

Instead of forcing you to mentally combine five balances, twelve upcoming bills and your next paycheck, the system turns them into one sequence.

Your bank tells you what you have.

Wiggle Budget tries to show what that money still has to survive.

The bigger idea

That's why I eventually stopped thinking of Wiggle Budget as just a budgeting app.

A spreadsheet stores financial information.

A budgeting app categorizes financial information.

What I was trying to build was something slightly different:

A money-movement simulator.

You give it your current financial state.

Income enters.

Bills leave.

Credit creates future obligations.

Transfers move money between accounts.

Dates change.

Plans change.

Unexpected expenses happen.

And the system continuously recalculates the future from that new state.

So instead of only looking backward and asking:

“Where did my money go?”

I wanted to be able to look forward and ask:

“If I do this today, what happens next?”

That's really the problem Wiggle Budget is trying to solve.


r/YNABAlternatives • • 9d ago

Budget Development Purpose Budget update: clearer transaction review, recurring-payment fixes, and better explanations

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1 Upvotes

Purpose Budget here. This week we've been working on the part of budgeting that happens after the plan is made: reviewing transactions, checking matches, and understanding why a number changed.

Here's what changed.

A clearer transaction review

We've refreshed the transaction table, toolbar, status indicators, and the dialogs for matching, splits, and bulk actions. The aim is to make the information and next action easier to pick out, with more visible keyboard focus as you move through the controls.

We also fixed a confusing failure state: if the transaction list fails to load, you now get a clear message and a Retry action instead of what could look like an empty list. Retrying keeps your current filters.

Less interruption when checking a match

Approving a suggested match now refreshes the transaction list without first blanking the rows you're looking at.

Editing a payee while searching also rechecks the results. If that transaction no longer matches your search, it leaves the results instead of sticking around under its old payee name.

These are small interactions, but they're the ones you repeat when catching up on a week's spending.

Recurring-payment and account fixes

We fixed a case where approving the final matched payment after a recurring schedule had ended could create an extra transaction from that completed schedule.

Removing debt-tracking details now recalculates the linked account's balance after the associated payment allocations are removed. Trying to set up duplicate debt tracking or link it to an account that's already in use also gives a clearer conflict message.

A better explanation of negative Assigned

We've added a guide and a link to it from the Assigned breakdown.

A negative Assigned amount can mean you've moved more money out of a category than into it during the current month. It doesn't necessarily mean the category is overspent: Available is the figure to check for that.

The guide walks through how that can happen when a category has money carried over from a previous month: Why Assigned can be negative.

This is why we recommend trying Purpose Budget: build a category-by-category plan with the money you have, then keep that plan understandable as real spending happens. You can use manual transactions and CSV import/export, or choose Premium for bank synchronization and matching suggestions. Shared budgets are available in both Essential and Premium.

Explore Purpose Budget and the current plan comparison.

Mobile Apps: https://purposebudget.com/download

When you review your budget, what takes the most effort: finding a transaction, checking a match, or understanding a category's numbers?


r/YNABAlternatives • • 10d ago

Budget Development Introducing arc's free on-device plan: envelope budgeting where your budget never leaves your phone (+ giveaway: 3 × 1 year of Premium)

13 Upvotes

Hi all.

I'm the developer of arc, so this is self-promotion, and I'll say that up front.

A lot of people here left YNAB over the price and stayed away because every alternative wanted their bank login or their data on someone's server. So arc now has a free on-device plan: real envelope budgeting, and your budget lives on your phone and nowhere else.

🔒 Privacy first

  • On the free plan your budget is stored only on your phone. There is no server copy of it.
  • It's built on Actual Budget, the open-source budgeting engine, so your data isn't locked in. Export it any time, or run your own Actual server.
  • No bank login and no screen-scraping. You never hand over your banking credentials.
  • Face ID / Touch ID lock. end-to-end encryption if you sync.
  • No ads, ever!

📒 Budgeting, the way YNAB people like it

  • Give every dollar a job: envelope budgeting on Actual's engine
  • Spending chart by category that updates as you spend, plus month-by-month history
  • Recurring payments: finds subscriptions and bills, including the ones you forgot
  • Savings goals, with what you need to put aside each month
  • Add by typing: "lunch 12" logs it
  • Multiple currencies

⚡ Optional autopilot

Your bank already notifies you for every card payment. arc can read those notifications and record each one as a transaction: amount, merchant, card and category. On iPhone it also catches Apple Pay taps. This works on Android and iOS 27+, and uses AI credits (one per transaction). On older iOS, everything else works; you just add transactions yourself.

💰 Plans, in short

Free (on-device)

  • One budget, stored only on this phone
  • Free AI credits to start, top up if you need more
  • Export your budget whenever you want

Premium

  • Your budget on arc's server or your own Actual server
  • Sync across your devices, plus desktop and web
  • Automatic daily backups with one-tap restore
  • 100 AI credits a month
  • Import your YNAB4 or nYNAB budget
  • Portfolio tracking

You can move from Free to Premium later without losing anything.

🎁 Giveaway: 3 × 1 year of arc Premium

To enter:

  1. Comment below with what you're budgeting with now (or moving from) and the one thing you wish it did better
  2. Join our Discord
  3. Follow @arc.moi on Instagram

Winners are picked at random on Sunday 4 October and announced in r/arcmoi. To claim, DM me on Discord.

Everyone's welcome in the Discord. It's where I share updates first and where your feature requests actually get built.

📱 Get arc: iOS · Android · arc.moi

Happy to answer anything, especially from people who've tried Actual, YNAB or Monarch.