YNAB but for actual poor people. The problem with YNAB is that it does not allow you to budget in future earnings that you “know” you will have (like salary paid on a date). The justification for this is that you should be budgeting so that you don’t rely on this. But if you are living paycheck to paycheck, you have to. The main use of budgeting in that case is to avoid overdrawing your account, since not everyone has a credit card.