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The Mint app will also alert you when you’re over your budget ceiling, and you can get access to your free credit score directly from your smartphone. But it does show you an updated picture of your finances whenever you open the app. The Mint app doesn’t allow you to access your financial reports you’ll need to visit the website for that. The YNAB app allows you to view reports, check your budget, and manually add transactions.
#Mint free financial software android
If you want to regularly keep tabs on your credit score in the same place where you manage your money, Mint is the better choice.īoth YNAB and Mint have apps for iPhone, iPad, Apple Watch, and Android devices in addition to web access. However, YNAB doesn’t offer free access to your credit score like Mint does. YNAB offers a pie chart that shows where your money is going and allows you to view trends over several months, evaluate your spending by category or date, track your net worth or the growth of a specific account, view your income vs. But in terms of the variety of options for reporting and personalization, YNAB is the clear winner. You can customize your reports according to the date, merchant, and more. You can access reports on (they’re not available on the app) to look at data options like spending, income, and debts. The difference is that Mint offers an online chat in addition to a customer service line, while YNAB only has an online form. Users of both services have had complaints about synchronization, but both Mint and YNAB have accessible customer service for troubleshooting. Mint: Account Setup and Synchronizationīoth YNAB and Mint allow you to connect a variety of accounts, such as bank accounts, credit cards, loans, and investments. If you keep some of your money separate, you can still collaborate by creating multiple budgets with both services. You can also opt into having unused money roll over into next month’s budget for that category.īoth Mint and YNAB allow you to collaborate with a partner by adding all of your joint and separate accounts. You can budget for expenses that occur once, every few months, or monthly and receive alerts if you overspend.
#Mint free financial software manual
To make a change in your spending, you’ll need to look for areas to trim your budget and make manual adjustments to divert more money toward your savings. The problem with following this automatic budget is that if you’re living paycheck to paycheck, it won’t help you get control over your finances. It automatically suggests an envelope budget based on your past spending habits. Mint aims to do some of the work for you. YNAB uses color-coding to show you when you’re ahead or behind on certain categories. You can also plan ahead and budget as far into the future as you like. If there’s money left over, you can put it toward savings goals.
It guides you to assign every dollar you earn to various expense categories, including non-monthly expenses you may incur down the road. YNAB draws from the concepts of envelope and zero-based budgeting.
#Mint free financial software trial
However, YNAB offers a 34-day free trial and a money-back guarantee. The biggest difference is the price: Mint is free, while YNAB costs $98.99 per year when billed annually. Mint provides access to your credit score for monitoring, while YNAB does not. Mint is also a bit more intuitive to use, while YNAB requires some learning. You can offset the price with how much you save: The average new YNAB budgeter saves more than $6,000 in their first year.īoth apps synchronize with your bank accounts to track your transactions, but Mint is more about keeping tabs on your finances whereas YNAB is dedicated to changing your spending and saving behavior. If you want to stay on the same page with your partner and make big changes to your everyday spending habits, you may want to spring for YNAB. If you’re looking to analyze your accounts so you can create some savings or budgeting goals, Mint will probably be sufficient for your needs. We reviewed both based on budgeting features, costs, reporting features, device compatibility, and extra features. If you’ve been struggling to pay down debt or make ends meet, a money management and budgeting app like You Need a Budget (YNAB) or Mint could be what you need to reach your financial goals.Īlthough the apps are similar, Mint is free and better for those who want automated budgeting options, whereas YNAB works best for users who want to take a more active role in their finances and are willing to pay for the service. Read our advertiser disclosure for more info. We may receive compensation if you visit partners we recommend. We recommend the best products through an independent review process, and advertisers do not influence our picks.
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