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YOU NEED A BUDGET 4 DOWNLOAD FREEThe app offers a free and a paid, premium version, PocketGuard Plus. PocketGuard earned the top spot as best for overspenders because its features focus on helping users control overspending. The app uses 256-bit encryption to transmit banking data and keeps the information confidential. Quicken has been trusted with sensitive financial data for decades (since 1984) and continues to work on new security measures. Security and privacy are top priorities for Quicken, the app’s parent company. YOU NEED A BUDGET 4 DOWNLOAD FULLSimplifi by Quicken offers tips while you’re using the app, but there’s also a blog full of educational content at your fingertips. Also, the custom spending plan monitors cash flow to make sure you never spend more than you make. One standout feature is the app’s custom watchlists, which allow you to limit spending by category or payee. The app automatically categorizes your spending, tracks recurring bills and subscriptions, and stays on top of upcoming expenses. To get started, you have to sync bank accounts, and then you will have a complete snapshot of your finances. The app offers a free 30-day trial, and then you will pay $3.99 per month (billed annually at $47.99) or $5.99 per month if you choose not to pay upfront. It’s the best option for staying on top of how much you can spend between your paychecks. Simplifi by Quicken ranks best for cash flow because of the app’s effective tracking capabilities. YOU NEED A BUDGET 4 DOWNLOAD SOFTWAREThe company stores your login information in a separate database with multiple layers of hardware and software encryption. Mint protects your data through features like security scanning with Verisign, multi-factor authentication, and touch ID mobile access. Mint offers a few education resources like a home affordability calculator, loan repayment calculator, and blog with various personal finance topics. Mint also offers monthly bill tracking, including payment reminders to avoid late fees. The app also offers the ability to keep track of your investments and check portfolio fees. The app automatically organizes your spending so that you can see totals by category at a glance. ![]() Mint allows you to see all your accounts in one place and keep track of your spending daily. You may sync your financial accounts within the app or manually add transactions. The app is free, but you may see targeted financial product advertisements. It’s a great option for anyone looking to improve their spending habits. Mint offers the best-known free budgeting app on the market. YOU NEED A BUDGET 4 DOWNLOAD PASSWORDThe company protects your information by using bank-level encryption for all data, best practices for password security, third-party audits, and more. YNAB says privacy and security are its top priority. The company offers extensive educational resources and customer support to keep you on track. The goal is to eventually get at least one month ahead, so you’re spending money you earned 30 days ago. YNAB offers a proactive budgeting approach, rather than tracking what you have already spent, like some competitors.Īfter signing up, you create your first budget and assign every dollar a purpose, like your rent or car payment, for example. To begin, the company suggests learning the basics about the app through video courses, a live workshop, or reading a guide. YNAB offers the ability to sync your bank accounts, import your data from a file, or manually enter each transaction. If you prefer to pay less upfront, the cost is $14.99 per month. ![]() YOU NEED A BUDGET 4 DOWNLOAD TRIALThe company offers a free trial for 34 days (no credit card required), and after that, the cost is $98.99 per year. To me, that's very dishonest and very disappointing.YNAB rises to the top of our list because of its budgeting philosophy. It smacks of a company intent on extracting everything it can from its customers. So, having hit on a great product and established trust in it during the 34 day trial period, Steine LLC then betrays that trust by charging a higher-than-advertised fee. I won't be doing that as I don't like the idea of having my personal data on their web-based system. It should also be remembered that the company is looking to phase out this desktop version of YNAB, which it's only supporting for the remainder of 2017, and is looking to migrate its customers to an online subscription service instead. However, try to actually buy a license, and the price suddenly rises to $60 – which you only discover after using it on a trial basis. The link about pricing takes you to the YNAB site, which also prices it at $50. It's priced here as $50 – which is a yearly, renewable subscription. However, I don't trust the company that produces it, though. I'd give it four or five stars if that was all that needed to be considered. ![]() Great product – the best money management app I've come across. ![]()
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