ETA: Used Mint for a decade without any improvement. Discuss and ask questions about personal finances, budgeting, income, retirement plans, insurance, investing, and frugality. I used mint for a bit alongside a spreadsheet. And much easier to check your budget on the go before making a purchase. YNAB is here to help anyone get started with … The founders built CountAbout to be a Quicken alternative. YNAB vs. Mint: Which Budgeting App Is Best? Unless they added a bunch of stuff. Ynab only lets you budget what you have and forces you to prioritize it in real time. Press J to jump to the feed. It’s making a huge difference. If anyone's interested in learning it happy to help. I’m excited try something other than a static budget, which is all Mint really gives me. Mint is a free app that also offers you access to your credit score. General. With YNAB, when you need (or want) to spend more than you've budgeted, YNAB's method encourages you to adjust your plan rather than keep it as is to acknowledge that the money for that extra spending has to come from somewhere. Thanks for the insight! Investment Management: Personal Capital is the only app of the three that can manage your investments (for a fee). With YNAB, you can plan your budget months in advance. Yeah, I agree. With both services, you can create budgets, and track your expenses from the credit card and bank accounts you have linked. Press question mark to learn the rest of the keyboard shortcuts. (It costs money, but after what happened to Mint I consider "sustainable business model that doesn't involve selling your data" a feature for this sort of service.) Mint offers the most general personal finance features of these apps. There are plenty of these discussions if you search, but the short answer you'll hear most often is that Mint can feel more backward-looking and passive, whereas YNAB forces you to be more forward-looking and active. Since you’ve made it this far, it should be clear Mint and YNAB offer slightly different services. report. I’ve been customizing and exploring Simplifi for a few weeks now and here are my thoughts. I’ve been using it since 2011 and I don’t have the same anxiety about money anymore. it’s really similar to how YNAB 4 had a “budget [next month]” category. I thought it was insane that people would pay for a program to help them budget... until I tried it. Our savings has grown dramatically while simultaneously improving our quality of life. Study: Best Budgeting Software - Quicken vs Mint vs YNAB If you want to get ahead in life, you're going to have to make a budget and stick to it. Imports are also easier. YNABs app is a lot more simple and straight to the point yet easier to get a more holistic view on your finances. When looking at any money management app, it's a good idea to take some time to think about what you want to accomplish and what you need in your finances. There is something about paying to save money that always makes me skeptical. 16 8 minute read. YNAB forces you to make decisions. Going to the app, you are bombarded with a bunch of things (not just the ads but other graphs and whatever too) before being able to view your budget categories, Unable to customize budgeting categories, leaving you with a huge list. The first difference you should know about these companies is that Mint is free, whereas YNAB is going to cost you. Budgeting methods. Updated July 29, 2020. It's a bit harder to use than most budgeting apps and that's because most budgeting apps have you budget money you don't have. While both services can be very helpful in the creation of budgets, they have slightly different approaches. What makes YNAB worth the price for you? Everyone justifies the cost because it's gotten them out of massive debt but I just see it as an expense. For those looking for a simple quick-start tool to help them get a handle on their money and make better budgeting decisions, YNAB is likely to be the better choice. Ruth Lyons July 10, 2020. My main hesitation is that something doesn't sit right with me about paying for a budgeting tool, but I am really curious about the differences between the two platforms. Mint Bills & Money Built By the Slant team. It has a cult following for a reason. Both Mint and YNAB were designed to help you create a budget and analyze your spending patterns so you can make the modifications necessary to reach your financial goals. There is no direct phone or email contact available. while not as native as YNAB 4, it’s the same concept. In this YNAB vs Mint comparison, we’ll break down the ins and outs of both apps to help you see which one can help you budget better and save more money. Way too passive. It's a web-based app but also available for mobile devices, where you can link your bank accounts, credit cards, brokerage accounts, loans and credit cards. It's basically the bank integration that Mint and YNAB have, but instead of being forced to use their interface it backs out the data into an Excel/Google spreadsheet that you can build your own system on top of. But there's just something about keeping a budget in excel that always does the trick. The user interface is lacking. Mint saved me from the budgeting woes of Quicken almost a decade ago. A lot of folks (including myself) had budgets in Mint, but never really used it to actively manage our daily spending and prioritization. Go read the ynab subreddit and reviews. For example, when my wife would say, “can we afford this vacation?” I would look at my balance and think, well, there’s enough in there, but what other short and long term commitments do I need to cover with this money? Me too. Question: is there a way to auto-fill updates from your accounts into Excel? That money is long gone. After watching Millenial Money, I noticed some of their audience heavily praises YNAB. Exactly what I need right now. Mint vs YNAB. YNAB vs. Other Budgeting Apps . There is a 34-day free trial, and then you can be billed monthly at $11.99/month or pay for a full year at $84. In this video, I'm going to do an overview of the three most popular budgeting apps: Mint, YNAB, and EveryDollar.Please subscribe and leave comments below! YNAB Summary. Add to Chrome Add to Edge Add to Firefox Add to Opera Add to Brave Add to Safari. no comments yet. That’s the whole point. I don't look at my account and have to guess at what bills I need to pay before me money comes in. So the question of which service is better depends on your unique situation. While this is a manual process and somewhat confusing at first once you get it it will change your life. I have been a Mint user since mid-2017 and quickly jumped on-board when I first heard of Simplifi’s release, hoping to have finally found a paid alternative to Mint. Unique Features Features Unique to Mint . Press J to jump to the feed. The biggest difference for me comes when looking at my bank balance and knowing what all the dollars have commitments for. After switching to YNAB, I realize how un-user friendly the mint app is. Fair warning: switching to the YNAB method takes some adjustment to the way you think about budgeting, so go at it with an open mind and really use the YNAB resources and also Nick True's YNAB videos on YouTube to familiarize yourself with the new system. Mint vs. YNAB – Which Budgeting App Is Better? It's not fluff. I've used both tools and still use Mint for simplicity. 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