PocketGuard: Track Your Spending and Find Savings Quickly and Easily for Free

Having a well-planned budget is essential to taking control of your finances. You Need a Budget, commonly known as YNAB, is a popular budgeting app that helps users with spending and saving. Although the app has many benefits, its subscription cost can be a roadblock for some people. If you’re looking for a YNAB alternative free, this blog post is for you. We’ve compiled a list of some of the best options for those on a budget.

1. Mint

Mint is a popular budgeting app that has been around since 2006. It’s free, easy to use, and allows you to track all of your accounts in one place. You can set financial goals and create budgets, and Mint will provide alerts and reminders to help you stay on track. You can also set up a custom budget based on your needs and monitor your progress at all times. Plus, it’s compatible with both iOS and Android devices.

2. EveryDollar

EveryDollar is another free budgeting app that is similar to YNAB. It helps you create and track your monthly budget and financial goals. One unique feature of EveryDollar is that it’s designed to follow Dave Ramsey’s principles of budgeting, popularized in his book The Total Money Makeover. The app is easy to use and has a clean interface. You can also upgrade to a paid version that offers more features.

3. Personal Capital

Personal Capital is a personal finance app that helps you track your spending and saving. It provides a comprehensive view of your entire financial picture, including investment portfolios, retirement accounts, and credit card transactions. The app is free, but you can also sign up for its wealth management service if you have a higher net worth. Personal Capital offers tools to help you visualize your expenses, and it’s compatible with both iOS and Android devices.

4. Clarity Money

Clarity Money is an app that offers personalized financial management. It has a clean and easy-to-use interface and offers features such as expense tracking, budget creation, and automated savings. One unique feature is the app’s ability to help you cancel subscriptions you’re not using, which can save you money in the long run. Clarity Money is free to download and is available for both iOS and Android devices.

5. Goodbudget

If you prefer a more traditional approach to budgeting, Goodbudget may be right for you. Goodbudget is a free app that allows you to set up a cash-based envelope system for your budget. You can create different envelopes for different categories, such as grocery shopping or entertainment. The app allows you to allocate a certain amount of money to each envelope, and you can track your spending in each category. The app is compatible with both iOS and Android devices.

In Short:

Managing your finances doesn’t have to be expensive. With the right tools and apps, you can easily track your spending and saving without breaking the bank. Whether you’re looking for a traditional envelope system or a comprehensive view of your entire financial picture, you can find a free alternative to YNAB that suits your needs. So, take control of your finances today and choose the app that works best for you.


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