Once a linked account is added, three months of previous transactions are imported. As someone who is currently funding September's budget categories, I was pretty disappointed with the inability to be able to look forward into my budget beyond the end of this month. YNAB offers bank synching, access to your real-time budgeting data from any device, reports, goal-setting, personal support...and peace of mind. Even with a relatively low price, I’m not sure that Simplifi is worth the price. Clarity Money. When comparing Mint vs Simplifi, the Slant community recommends Simplifi for most people.In the question“What are the best mobile finance tracking apps?”Simplifi is ranked 2nd while Mint is ranked 4th. Saving $3/mo and being able to link all of my accounts is not worth giving up the functions and features I would lose switching from YNAB. Built on a philosophy of financial responsibility, this online app helps you learn about … The main difference between Tiller and the other options on this list is that it uses Excel and Google spreadsheets. I can set up a Watchlist (elsewhere in the app) and set targets for those categories. Period. YNAB stands for “You Need a Budget.” The company was founded in 2004 by a husband-and-wife team Julie and Jesse. Each provides budgeting, enabling you to know how Except when Simplifi couldn't categorize a transaction, or mis-categorized a transaction. Thank you for this! If you search on Reddit or other popular money forums, you will see overwhelmingly positive reviews, and lots of fans that adore everything about YNAB. Simple and great. I could also manually add transactions, but that's probably a feature I wouldn't use consistently if I directly imported all transactions. In my monthly budget, I set aside money for a brokerage account which is also monitored by Simplifi. The net asset values of each holding will update automatically. I have personally used several versions of it over the past decade, and currently track our budget with YNAB even today!. Simplifi allows both linked and unlinked accounts. YNAB is solely a budgeting app, and it was built on a few seemingly simple rules:. YNAB costs $6.99/ month (billed annually), and the most frequently asked question I get about it is, “Why pay when there are free budgeting tools available like Mint? 5. Simplifi by Quicken is a web-based personal finance manager that gives consumers fast, easy access to their financial accounts, including a real … YNAB is not just a simple money tracker. If my projected bills + planned savings exceed my projected income for the month, Simplifi shows a negative balance left to spend. Looks like I'm not alone. It's pretty, but not useful. Very detailed and saves me the trouble of signing up and connecting accounts to another service! Or you contribute more/less to a goal than you planned for the month, in which case the Spending Plan will be different from the Savings Goals total in Accounts. New comments cannot be posted and votes cannot be cast. He started with a basic spreadsheet-style template to manage his family’s finances. After YNAB, I just can't go back to forecasting. The website for Simplifi looks appealing - clean user interface, looks like it has a lot of different reports, and hey - direct import that probably works really well. In fact, you can look at upcoming transactions for the next several months in the Transactions screen, but only the next four weeks in the Upcoming screen. Oh look, we've imported those four bank overdraft fees that are pending, isn't that super!". Disclaimer: I don't have a Capital One account, so YMMV. This price tag may deter users who aren’t looking to add another bill to their budget. However, there are enough people who budget just fine using a forecast method that they will assuredly disagree with my score. Since I don't add any of my investment accounts in YNAB (nor do I track mortgage balances or asset values), I neither like nor dislike this feature. Tiller Money. I guess I'm just a committed zero-based budgeter. You set the amount you need to set aside and the goal date you need it by, and we calculate out the monthly contribution to the goal. Pros & Cons The fact that it wasn't zero-based budgeting was what told me it wasn't for me, as well. The best budget apps are user-approved and typically sync with banks to track and categorize spending. YNAB is by far, our favorite online budgeting tool for tracking spending and money management. Anyone who uses and loves forecast-based budgeting should be fine with this, but this was a deal-breaker for me. I keep seeing upstart PF apps that use “not a budget” (as in even less of a budget than Mint, they just subtract obligations and savings and then show you a single “left over to spend” pile) as a selling point and I don’t get it at all. EveryDollar is a very basic budgeting tool created by the team behind Dave Ramsey, using his principles for managing money. Aaaand....that's it. YNAB vs PocketGuard. But those spending targets bear no relation to the Spending Plan. Simplifi is just incompatible with me. Very disappointed in this feature, it could be far more useful. My spouse and I have four kids - one in college - as well as a house, a couple of cars, and three pets. YNAB has heped me change my spending behavior, which in turn has saved me thousands of dollars over the past two years, so I figure YNAB has paid for its own annual subscription fee many times over. So, I decided to give Simplifi a shot - I signed up for a free trial...and promptly canceled my subscription, since it was set to automatically charge me after the trial. (I also can't carry underspending forward to a new month - if I don't spend the $60 I have set as a target for Clothing this month, I can't add to it next month; it re-sets to $60. Beyond that, some folks will be happy, others still dissatisfied. YNAB comes at a cost of $84 per year or $11.99 per month. It's there, it's better than YNAB because the values update automatically, I can take t or leave it. I get paid, and I go to my goals in Simplifi and "fund" each goal based on the guidance of what I setup ahead of time (amount to and date needed by). Related to personal finance, budgeting, money and financial matters. Now that PNC is basically chewing Simple up and spitting it out (along with us three+ million customers), I'm evaluating various money managers including YNAB, Simplifi, Monarch, mEnvelopes, etc. For spending reports, having the transaction history was nice. Try YNAB Free For 34 Days. I can add my accounts, and this screen shows the balances of my individual holdings. Thankfully, I can add accounts without linking them. Another comparison of popular budgeting software, I thought it was worth comparing BudgetSimple to YNAB, and how they are different. Founded in 2006, the company was acquired by Intuit in 2009. YNAB teaches users the value and power of zero-based budgeting, and it probably has the most cult-like following out of any of these apps.YNAB is $84/year or $11.99 when billed monthly, and you can try YNAB for free for 34 days. When comparing You Need A Budget vs PocketGuard: Personal Finance, the Slant community recommends You Need A Budget for most people.In the question“What are the best personal finance tracker apps for Android?” You Need A Budget is ranked 19th while PocketGuard: Personal Finance is … YNAB (Or You Need a Budget) came out around the same time as BudgetSimple. YNAB is fairly similar with it's Goals, but it's on a monthly basis, not paycheck basis (since it doesn't know or care when you get paid). I need to keep my eye on this app until my account expires next month (to make sure it doesn't change itself back to auto-renewal), but I will not be using it going forward. The YNAB app is available for both iOS and Android. It's much more in-depth and hands-on when it comes to helping you use money as a tool. You Need a Budget (YNAB) and Mvelopes are best for zero … That was both a blessing and a curse. (The more I look at it, the more it looks like an ad-free version of Mint. Hi gang, with Simple closing down (sad) I'm trying to find a system that works similarly to it's expenses and goals features. A Brief History of You Need A Budget (YNAB) In 2003 after Jesse Mecham and his wife married he quickly learned they needed to manage their finances better. I need something to tell me "okay, after all the bills and groceries and everything, and setting aside money for the fall tuition payment and a new driveway, you have some money left over that you can spend on takeout or saving towards a new-to-you car, but not both.". The upcoming transactions shown on this screen are already shown in the Transactions screen. Too many things were either missing or hard to see. It also doesn’t reconcile. Specifically, it's really nice to put all your bills in and each paycheck Simple would take out the exact amount it needed to save for that bill. Launched in 2003, the main thrust of YNAB is to help you create a budget that allows you to “give every dollar a job.” The app focuses on forward planning and creating a zero-based budget.The main pillars of YNAB … Besides, YNAB has easily saved me enough money to pay for itself for the next 25-30 years. Fuuuck me. Expense tracking is done automatically by linking your bank, credit union or credit card accounts. But linking is a major plus for many folks, and Simplifi was able to deliver - they were even able to link accounts like DriveSavvy, which YNAB has never been able to do. Press question mark to learn the rest of the keyboard shortcuts. Hi! While I understand that for most of the world, Simplifi and YNAB are similar, it almost feels like they need to be judged on two different scales. Thanks for writing it. Goals should work exactly as you intend. I have a use case which I imagine is not unique and doesn't seem to fit cleanly into Simplifi's schema for data labeling. YNAB is one of the most popular budgeting apps out there. Feel free to post any news, questions, budget strategies, tips & tricks and advice related to YNAB. I guess I was hoping that when I got paid, knowing I have a bill to register my car in December, Simplifi would say somewhere that I need to set aside $3.50 this paycheck to be on track to pay the $42 by December. This poses a problem, because to Simplifi, savings means I'm not spending it, and if I do happen to spend on clothing, the expense transaction will have no impact on the savings goal.). See more posts like this in r/simplifimoney, Any and all discussion related to Simplifi By Quicken welcome! YNAB the app doesn’t work because it’s pretty (although it is) or because it has amazing tech. The learning curve for Simplifi is pretty flat - it only took me a few hours of tinkering to basically master all the functions available. YNAB is short for “you need a budget,” and that's exactly what it focuses on. It’s great for budgeting, expense tracking and deb payoff. YNAB stands for You Need a Budget, and it's true: You do. No. Very handy if I want to add supporting documents/information to an expense, or exclude specific transactions from reports. The Spending Plan also doesn't allow me to set aside funds for groceries or dining out or clothing or myriad other variable expenses that come up over time. The software does cost $50/year, but the license is good for all YNAB … The cherry on the cake was the fact that I couldn't create a Spending Plan for any month except the current one. Funny, I spent about an hour before I started looking to see if anyone else got as frustrated with it as I did. You Need a Budget, or YNAB, earns the top spot because of the company’s renowned budgeting philosophy and reputation. Unless you want to ignore a goal, and include the money in your Spending Plan anyway. That's okay - I'm posting this in the YNAB forum, and anyone looking for Simplifi to be a zero-based budgeting system with fully-functional direct import and better reports at half the price of YNAB should know that Simplifi bears no resemblance. That's a very thorough review of a competitor product. 1. a new financial services app that offers financial tracking tools to individual consumers. Personal Capital Side-by-Side Comparison Which Is Better: Quicken or Personal Capital? Reports are in the eye of the beholder. etc. In addition to the desktop software, YNAB has an app available for iPhone, iPad, and Android devices. But that actually doesn't matter, because you can overdraft your accounts and still show that you have a certain amount set aside for your Savings Goals, you just have more negative money to spend. I was wondering if Simplifi worked in this manner? It's the difference between YNAB saying, "You overspent that category - that's not good. The Basics. Makes me kinda mad because I think most people would be best served by a zero-based budget if they gave it a shot. Simplifi and YNAB really are apples and oranges, but it got so much hype this past weekend I thought it fair to review it from a YNAB perspective. Quicken vs. Savings goals are basic, and only exist in the Spending Plan to the extent that they reduce the amount forecasted as avilable for spending. YNAB being twice as expensive as Simplifi is not a relevant factor to me; the extra $3/mo will not break my budget. EveryDollar. Press question mark to learn the rest of the keyboard shortcuts. Tiller Money is an awesome YNAB alternative. Visit www.simplifimoney.com for more info, Press J to jump to the feed. I liked seeing all of those repeating transactions in one place - but why not make that accessible from the Transactions screen itself? I don't need something to tell me "oops, you spent $X on drinks this month, try and do better!" It's helpful to see that it's probably not worth trying again. If direct import is a critical feature for you, try it out. Press J to jump to the feed. It was from that mindset that I rated the Spending Plan Feature at 0/5. The app doesn’t allow you to manually add in transactions, so you won’t be able to factor in cash spending or spending from any accounts that aren’t linked. It's missing some key features that I've come to rely upon in YNAB, and direct import is not sufficient to entice me to switch. Really appreciate you passing this detailed review along!! A great example is yearly bills, and each paycheck it would take out say $7.34 to add up to when the bill is due the exact amount. EveryDollar vs PocketGuard. I tried it out but lasted less than an hour before I was too frustrated to continue. I was a Microsoft Money user and then a devoted Quicken user after that. While YNAB doesn't care which account (s) on-budget funds reside in (which causes problems for folks who need to closely monitor spending from certain accounts), Simplifi doesn't care what your bank balances are, period. The first 30 days with Simplifi are free, but it costs $3.33 per month after your initial trial. A good chunk of this post came from my first look at Simplifi found in this thread. Disclaimer: I don't have a Capital One account, so YMMV. So I've entered all my regular bills into Simplifi, both monthly and non-monthly. Do you work for YNAB lol ? Basically this is what I'd like to have happen. They also offer educational resources that help you get a better handle on how you’re spending money so you can identify areas where you can save. And that's it. I would have to create a savings goal for categories like Clothing to build up a balance over time. Reconcile is YUGE for accuracy. The level of disconnect between the Spending Plan, Savings Goals, and Accounts is jarring for someone with a zero-based budgeting mindset. It's an excellent app for those primarily interested in zero-based budgeting. That feature alone is a no go for any app out there. 1. You can increase your financial literacy by tuning into the podcast or reading the book. Thankfully, I can add accounts without linking them. The price is somewhat lower than most “high-end” personal finance apps (such as Tiller Money, You Need a Budget, or Emma). Actually I do see how goals divides the amount by months remaining, but what I'm asking about is bills. There are no bells and whistles to this screen, and the only impact this screen has in Reports is in the Net Worth line graph. First things first, we need to teach you a little bit about our Four Rules™. I can set recurrence to a transaction from the Transactions screen itself, and see recurring/repeating transactions for income, bills, subscriptions and transfers in Settings > Recurring. Honestly, I was kinda excited to see a new personal finance app that offered direct import at a lower price point than YNAB. YNAB. After two years of using YNAB, budgeting based on forecasted income doesn't make sense to me anymore. These automated contributions show up as … There is a report for Savings, but the money you are saving in your Checking account, that is literally allocated toward Savings goals, doesn't count in the Savings report. We have a lot of things to keep track of in our budget and it's important to me to know how much we can spend on any given thing, while leaving enough for the other stuff we need. YNAB has a 4.2 rating from reviewers on Google Play and a 4.8 rating from reviewers on the App Store . If direct import is important try out https://syncforynab.com. But budgeting methods and features vary from app to app. I quite literally could not create a spending plan for the dollars I already had sitting in my account. YNAB stands for You Need A Budget. YNAB vs BudgetSimple. Once I entered an upcoming transaction, it would show up in my list of transactions, but I couldn't make sure I had the money set aside for the expense unless it was going to happen this month. YNAB says new budgeters typically … I knew it wasn't for me when it told me that an expected paycheck on the 31st was available to spend. I gave up renaming and re-categorizing past transactions after a few minutes. https://www.youneedabudget.com/how-many-categories-should-i-have-in-ynab We've also taken a closer look at Mint vs. YNAB.. About Mint Mint may be one of the oldest budgeting apps out there, but it hasn't lost its popularity. If I overspend in a certain category, Simplifi shows that I have spent more than my target. YNAB forced me to rethink some things, but in the end, I’m really happy with the move. YNAB’s website claims that new budgeters save on average $200 their first month, making the investment in the budgeting tool worth it. You should cover that spending as soon as possible, or you risk creating credit card debt or overdrafting an account," and Simplifi saying, "You overdrafted your checking account...but you can spend another $3,000, based on the income you thought you were going to have earlier this month before you lost your job. It's very difficult to switch back to any other budgeting system when you go to a zero-based method. I tried it and I’m sticking with YNAB. Specifically, it's really nice to put all your bills in and each paycheck Simple would take out the exact amount it needed to save for that bill. Simplifi bases its Spending Plan on forecasted income, expenses and savings. Simplifi is not a zero-based budgeting system. In my testing, I've always enjoyed using Personal Capital, since it allows me to see my entire financial picture and investment portfolio at a glance. Rule 1: Give every dollar a job.You take the money you earn and allocate every single dollar you make to different expenses. Four Simple Rules For Successful Budgeting. Most YNABers are hardcore zero-based budgeters, myself included. We reviewed EveryDollar and found that it’s claim of being able to set up a budget in 10 minutes to be accurate – it’s super simple, very easy to navigate, and follows the overall structure of Dave Ramsey’s Baby Steps. At this point, you do have to manually add the amount you want to the goal (it won't be taken out automatically), but we do give you a recommendation for the amount to contribute in order to reach your goal on time :). I don't have to cover overspending, there is no warning that I will create debt or overdraft an account. The most important reason people chose Simplifi is: Yeah, I wound never do anything but zero-based now. YNAB also stands apart from other financial tools in that it’s more than just an app. It was founded in 2004 after real-life couple Jesse and Julie Mecham realized they needed a better system to budget their money. Clarity Money is a free budgeting app backed by Goldman Sachs. I couldn't bulk-update imported transactions by Payee like I can in YNAB, nor is there a Payee management feature which allows me to create naming rules and automatically assign a category to a Payee. If income forecasting and seeing my spending after the fact was what I needed to effectively manage my personal finances, I would have stuck with Mint.). YNAB is a small, privately held company that offers personal budgeting software. The app is currently rated 4.8 stars out of 5 on the App Store and 4.3 stars out of 5 on Google Play. The calendar view in this screen is not functional, either; you can tell that income or bills are coming in on a particilar day, but you don't know what those transactions are until you refer to the list, and the calendar is limited to showing only the next four weeks. Another nice feature is the ability to add attachments, split payment categories, exclude an item from an income or spending report, and add notes to transactions. † Limited time offer of $10 off list price applies only to purchase of a Simplifi by Quicken annual subscription for the first year only, discount compared to annualized full-price monthly subscription, when you order directly from Quicken Inc. by April 30, 2021 11:59 PM PST. A discussion subreddit for popular budgeting software You Need A Budget. On the other hand, if my projected income for the month exceeds my bills and planned savings, the Spending Plan and Watchlist will say that I have plenty of money to spend, regardless of how much money I actually have in my bank accounts. I've already tossed a couple out the window but keep coming back to YNAB… But I'm with you - zero-based budgeting may have a learning curve, but that learning is amply rewarded. I used Mint for a few months before signing on with YNAB. For more information, read our Mint vs. YNAB comparison. I tried Simplifi (a personal finance app that touts account linking for the low price of $3.99/mo) after seeing the YNAB thread about it. July 20, 2019 April 10, 2014 by Sally. TLDR: I've tested Simplifi. THE BOTTOM LINE: Is Simplifi Worth Making the Switch from YNAB? Thank you! While I manually enter my transactions in YNAB with direct import backup if available, I can understand why direct import would be a draw, and why people would feel cheated when it doesn't work properly in YNAB. If I didn't know about zero-based budgeting, I might have even stuck with it for awhile, and considered it an improvement. Here are some details on each of the five You Need a Budget alternatives we found. Not affiliated, just a satisfied user who desperately wanted YNAB direct import but lives in the UK. Is that something I can do in the Spending Plan area? I barely look at them in YNAB, but Simplifi's seem more robust, if slighly less flexible in terms of customized reporting date ranges. But it's a no-go for me. Or is that something I need to calculate out manually? Considering Simplifi vs YNAB Hi gang, with Simple closing down (sad) I'm trying to find a system that works similarly to it's expenses and goals features. Is YNAB worth the money?” This YNAB review is meant to answer that question. You can try out YNAB on a free trial for 34 days. Re: Simplifi by Quicken Vs YNAB Post by spammagnet » Sun Aug 23, 2020 4:43 am mhalley wrote: ↑ Sun Aug 23, 2020 4:33 am YNAB and fidelity worked fine for the last yr and a half, it is only recently that it is a pain. The basic features of both platforms are very similar. Simplifi by Quicken is our new top pick for the best budgeting app for most people. Feel free to submit things you've heard about, questions you might have, and/or feedback you have about the app! Use YNAB.com and their online product. Zero-based budgeting wins big in my books, as long as you spend a little time figuring it out. It works because it’s built around these Four Rules™. But linking is a major plus for many folks, and Simplifi was able to deliver - they were even able to link accounts like DriveSavvy, which YNAB has never been able to do. 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