You Need a Budget für Mac

It's the principle that counts, not the software. "YNAB Method" is just a rip-off of Dave Ramsey's methodology laid out in his book "Total Money Makeover" and "Financial Peace University," both of which are awesome. You should look into his stuff first and foremost. As for the tool itself, YNAB can't handle multi-currencies, and it comes with a high price tag for which you have to pay yearly. Search for "Zero-based budgeting Excel template," and you will find many Excel templates that do the same thing, only with far more flexibility to suit your unique needs and without having to pay a penny for it. There is no vendor lock-in, either.

Great product – the best money management app I've come across. I'd give it four or five stars if that was all that needed to be considered. However, I don't trust the company that produces it, though. It's priced here as $50 – which is a yearly, renewable subscription. The link about pricing takes you to the YNAB site, which also prices it at $50. 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. 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. I won't be doing that as I don't like the idea of having my personal data on their web-based system. 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. It smacks of a company intent on extracting everything it can from its customers. To me, that's very dishonest and very disappointing.

If you are in for the budgeting only and you are ready to follow their methodology it's fine. But if you need powerful finance app that can adjust to your needs, look elsewhere. I prefer MoneyWiz after trying pretty much everything on the market.

You have to load the data your self. Could be a good thing tho but confusing also.

If you care about your money, this is the app you should have. Great deal.