Simplifi Best for juggling hard targets and nice-to-haves You can read our PocketSmith review for more info, and Moneywise readers get 50% off their first two months of a Premium plan. For most users, the middle-tier Premium plan, which costs $9.95 per month or $90 per year, is enough to get the job done. The downside versus Mint is that you need to pay for PocketSmith to get most of its features. Its budgeting calendar also provides a nice visual layout of your upcoming expenses and income, so it's an excellent app for highly-visual budgeters, not spreadsheet fans. It has a cash-flow forecasting tool that highlights how your current spending habits influence your net worth and future wealth. It also summarizes your transactions just like Mint.īut we like PocketSmith as an alternative to Mint because of its forecasting features. From there, you can create custom budgets and spending categories to stay on top of your finances. PocketSmith is similar to Mint in that you can aggregate all of your banking and investing accounts with one app. PocketSmith Best for helping you forecast for the future YNAB post for a complete comparison of these two budgeting apps. It has several iterations, including Web, Android, and Apple. YNAB is fee-based, priced at $14.99 a month or $98.99 a year but offers a 34-day free trial. Address overspending when it happens by readjusting over other categories. If you have annual expenses, you'll break them up over 12 months so that you set aside a little each month. To gain the most from this feature, you'll need to spend a bit of time upfront setting up those priorities. You allocate every dollar based on spending priorities that you've previously established. On top of instructing you to stick to spending only last month’s income, YNAB has three other rules: YNAB makes recording expenses and goal-setting a breeze with the ability to categorize expenses and link bank accounts to automatically log your transactions. It helps spenders break the habit of living paycheck to paycheck by encouraging them to live solely off the money earned the previous month and setting intentions for each dollar that comes in. The existence of a fiduciary duty does not prevent the rise of potential conflicts of interest.YNAB has long been one of the strongest Mint alternatives if your goal is to become debt fee. There are no guarantees that working with an adviser will yield positive returns. Working with an adviser may come with potential downsides such as payment of fees (which will reduce returns). All investing involves risk, including loss of principal. This is not an offer to buy or sell any security or interest. We do not manage client funds or hold custody of assets, we help users connect with relevant financial advisors. SmartAsset does not review the ongoing performance of any RIA/IAR, participate in the management of any user’s account by an RIA/IAR or provide advice regarding specific investments. SmartAsset’s services are limited to referring users to third party registered investment advisers and/or investment adviser representatives (“RIA/IARs”) that have elected to participate in our matching platform based on information gathered from users through our online questionnaire. Securities and Exchange Commission as an investment adviser. SmartAsset Advisors, LLC ("SmartAsset"), a wholly owned subsidiary of Financial Insight Technology, is registered with the U.S.
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