I used YNAB before but much prefer LunchMoney[1] (the thing that got me to switch initially was better multi-currency support, since I generally make money in one currency, hold it in another, and spend it in a third). My referral link[2] will get you 1 month free ;)

[1] https://lunchmoney.app

[2] https://lunchmoney.app/?refer=b19iwkvc

I’ve never used this. Instead, the best thing my wife and I did was create a “bills” and “play” account. My recurring bills come out of the bills account and everything is paid automatically. My discretionary funds go in the “play” account and I feel free to spend that until it’s gone. This is handled with automatic deposits.

Later I added savings accounts to the list but the first two are the cornerstone of my budgeting.

I'm still using YNAB4. Total game changer for me since I started years ago.

Came here to say this exact thing. We aren't perfect, but YNAB has really helped my wife and me to get our finances more in hand. It's probably the best money I've ever spent on software.

This a thousand times. The number of times my spouse has said "hey, can I buy… oh wait. We've enough in the budget. Cool."

The nicest thing about YNAB (which is budgeting in general -- YNAB just did it in a way that I stuck with it) is that it gives me permission for guilt free purchases.

No need to think about it; the budget's right there, so I can spend it without second guessing myself.

We swapped YNAB for Tiller and never went back.

Second to YNAB. I’m sad they’ve raised the price, but 99% of our budget and finance strife is gone due 100% to YNAB. Plus the deal to have free budgets for your older kids? Very nice.

I’m sad they rewrote it for the web and made an inferior, subscription-based product.

The installers for YNAB4 have since been removed from the official YNAB site, but you can still get them on Wayback Machine: https://web.archive.org/web/20190122064610/https://classic.y...

Thanks.