I use YNAB only for granular budgeting, not for big-picture or forecasting (for that I use personalcapital[0]).
At first I was skeptical of YNAB -- the idea of giving every dollar a job and tracking transactions down to the penny seemed hellish -- but I've since become a convert. I like having all bank account and card transactions in one place and having the budgeting decoupled from the institutions. The goal-setting features are great. And keeping a careful budget of all inflow and outflow has been pretty easy and makes it nice to set up lots of small budgeting buckets. After an initial setup, it feels like a machine that keeps my finances in order without too much intervention.
If you get into YNAB, also check out the toolkit[1], which gives some additional budget analysis and planning tools.
At first I was skeptical of YNAB -- the idea of giving every dollar a job and tracking transactions down to the penny seemed hellish -- but I've since become a convert. I like having all bank account and card transactions in one place and having the budgeting decoupled from the institutions. The goal-setting features are great. And keeping a careful budget of all inflow and outflow has been pretty easy and makes it nice to set up lots of small budgeting buckets. After an initial setup, it feels like a machine that keeps my finances in order without too much intervention.
If you get into YNAB, also check out the toolkit[1], which gives some additional budget analysis and planning tools.
[0] https://pcap.rocks/matt1688 (includes my referral code)
[1] https://www.toolkitforynab.com/