More good news is that YNAB works everywhere even without an internet connection. You are also able to schedule known transactions ahead of time or download transactions that you can then load to YNAB. The program connects directly with your bank account(s), but you have to tell it when to download transactions.

However, if you’re looking for complete automation, YNAB is not it. YNAB takes the guesswork out of budgeting by providing you with a flexible living budget that will save you money and help you stay positive. If you’re looking for great budgeting software, YNAB is it. Even lacking this feature, Personal Capital is certainly one app that you should try.įees: $11.99 per month or $84 annually free 34-day trialįeatures: Budgeting, investment monitoring, bill management, add in manual entries

One thing Quicken users might miss is the ability to track and pay your bills from within the software itself. It can be used either on a desktop or through a mobile device. Personal Capital also features a retirement planning tool and a retirement savings fee analyzer. Also like Quicken, Personal Capital tracks your spending and categorizes it for you allowing you to get a clear picture of where your money is going each month. This even includes tracking your investment accounts and your net worth. Personal Capital may have the best all-around money tools available, and they are completely free! Like Quicken, Personal Capital users can link all of their accounts and track them all in one place. Minimum Balance: None $100,000 to investįeatures: Financial budgeting dashboard, investment fee checkup, cash flow analyzer, 401(k) analyzer, net worth tracker, and retirement planner It is quite extensive.Fees: Free investment services start at 0.89% based on account balance Īctualy, OFX also supports making bill payments, stop a check, intrabank and interbank transfers etc. OFX can download transactions from 348 banks so far.

I have heard that they charge $10 a month for other platforms. This service for OFX and GNU Cash is free. Don't call Chase customer support because they know nothing about it. somewhere in your profile or preferences. But Chase wants you to enable this OFX feature by logging into your online banking and enable Quicken/MS Money/etc. In my case, even though I have Chase debit card I had to choose Chase Credit to make it work.

Depending on the account type these transactions can be very detailed description of your transactions (purchases+paycheques), investments, interests, etc. Let me emphasize that again, you get a huge list of transactions with OFX into the GNU Cash. I use GNU Cash and it uses Open Financial Exchange (ofx) to download complete transactions and balances from each account of each bank.

Free budget software no link to bank