You Need A Budget is described as 'Zero-based budgeting tool with real-time syncing, goal setting, partner collaboration, debt management, financial reports, and strong data security' and is a very popular Budget Manager in the business & commerce category. There are more than 100 alternatives to You Need A Budget for a variety of platforms, including Android, iPhone, Web-based, Mac and Windows apps. The best You Need A Budget alternative is HomeBank, which is both free and Open Source. Other great apps like You Need A Budget are MoneyManager Ex, Actual Budget, Dime: Budget & Expense Tracker and Waterfly III.
Open-source accounting software for personal finance and budgeting, featuring multi-platform compatibility, comprehensive analysis tools, recurring transactions, detailed reports, and support for multiple languages and export formats.
This alternative is disputed. HomeBank is a legitimate You Need A Budget alternative, but it might have issues that some users think are important.
MoneyManager Ex is a free, open-source, cross-platform, easy-to-use personal finance software. It primarily helps organize one's finances and keeps track of where, when and how the money goes. It is also a great tool to get a bird's eye view of your financial worth.
Actual is an personal finance tracker with a powerful budgeting system. Only budget money that you have and see exactly how much you're saving each month. Track all your accounts in one place.
It is open source, hence provides better privacy guarantees.
This is an envelope-based budgeting software similar to YNAB. The program is pretty snappy and quick (vs. YNAB's web software that I find runs very slowly on my laptop). It's only 4 USD a month which is much cheaper.
Almost everyone thinks Actual Budget is a great You Need A Budget alternative.
Dime is a beautiful expense tracker built with iOS design guidelines in mind.
Unofficial Android App for Firefly III, a free and open source personal finance manager.
"Firefly III" is a (self-hosted) manager for your personal finances. It can help you keep track of your expenses and income, so you can spend less and save more. Firefly III supports the use of budgets, categories and tags.
Recurring Expense Tracker is a Material You recurring expense tracker, allowing you to keep track of your monthly spending. As its name suggests, it focuses on reccurring expenses such as rent, insurances, subscriptions etc.
Meet MoneyTool — the money tool that puts you in control. Track your spending, savings, assets, and debts effortlessly.
KMyMoney is a cross-platform personal finance manager built on KDE frameworks technologies for your desktop and notebook environment. It enables users to keep careful track of their personal finances by providing a broad array of financial features and tools.
KMyMoney seems to have many fonctionnalities. But to budget with it is much too complicated. You don't have in a glance the basic balance information to compare your spendings vs your earnings. Same thing to see the distribution of your spendings among categories. I used it for a long time, but I don't regret to be passed to YNAB, even if I have to pay (since I have a return on investment).
Personal budgeting software inspired by budget-to-zero and the envelope system. Works offline and no signup required.
Financier has a lot in common with YNAB4 but is lighter, faster and web based.
Works on exactly the same philosphy. Ready made replacement but much cheaper - even free.
Almost everyone thinks Financier is a great You Need A Budget alternative.
GreenStash is a simple FOSS android app to help you plan and manage your savings goals easily and establish the habit of saving money.
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It is not envelop based, which is the main feature of YNAB, Also no syncing to other devices, and they don't have a mobile application - which is a must for tracking expenses.