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YNAB vs Quicken Simplifi (lemmy.world)

submitted 6 months ago by root@lemmy.world to c/personalfinance@lemmy.ml

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I wanted to start using a budgeting program to better organize my spending/ goals, and basically narrowed it down to 3 --YNAB, Actual and Quicken Simplifi.

I setup a self-hosted instance of Actual and was able to import my spending from my account by exporting from my bank and importing into the app, however this seemed like it might get tedious over time, so I decided to try YNAB.

So far this has been pretty straight forward. I’m still waiting for things to sync up with my linked accounts, but I like it so far. I would try Simplifi but there’s no trial period there; though the graphs and UI make it seem appealing.

Anyone here have any experience with Simplifi/ YNAB, and why might you chose one over the other?

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[–] PlutoniumAcid@lemmy.world 3 points 6 months ago

That's YNAB4, their last desktop version that you could buy once and use forever.

After v4 they switched to the web based version with a yearly subscription. While it's good that they continually improve it, IMHO it's not worth it unless you use an American bank that supports automatic data import into Web YNAB.