For the last year I’ve been using the mobile and desktop versions of You Need A Budget aka YNAB ( yes that is a referral link, it provides a $6 discount ). It has become my favorite budgeting tool.
Having a desktop and mobile app is really convenient, making it very easy to enter expenses on my phone when they happen. My wife does the same. During the month I’ll sit down with the desktop app to reconcile all of my accounts. All of these devices sync over Dropbox, which has worked great.
My biggest complaint with YNAB is that starting the desktop app has gotten slower over time. Once it loads it is fast enough. There are a few other things I’d personally change in how it works, but the slow desktop load time is easily my number one complaint.
The purchasing terms are very reasonable:
This one-time purchase lets you use YNAB on every PC and Mac in your home. You can even install YNAB on your personal work computer. Cool, huh? Your license is good for all YNAB 4.x updates and will never expire.
At a price of $60 for the desktop app ( mobile apps are free ) I’d make that purchase again in a heart beat.