YNAB vs. Mint: Which Budgeting App is Better? YNAB advertises that all transactions in a checking, savings, or credit card account will be available for import within 12 hours. Of course better customer service might be expected from a paid service than a free one. Error in the differences listed above. The software presents your financial information in a slick, easy-to-use web interface, with information and pretty graphs on a user-friendly dashboard. While Mint supports a larger number of banks and financial services than YNAB, it also seems to have a lot more technical problems with synchronization. All products are presented without warranty. While Quicken used to be Intuitâs lead product, Mint has become their sole focus since announcing the sale of Quicken. At initial setup, you can add all your accounts in a pretty seamless download process. Each also publishes a blog, MintLife and The YNAB Blog, with educational articles to help you improve your money management skills. Both services are versatile enough for any budgeter to stop over-drafting, set up a systematic way to pay off credit card debt, set up savings, and manage spending. Data is encrypted, so it canât be read even if the hard drives were stolen. Not all budgeting apps are made equal; it's all about perspective. As such, itâs accessible with any browser or mobile device. For more information, please read our. And then you'd repeat that process for all of your accounts. Synchronization is an area where YNAB excels over Mint. Android users can download YNAB in the Google Play Store, where the app has a 4.1-star rating (out of 5). Both Mint and YNAB offer helpful self-service customer support platforms. Ynab Vs Mint Design Wise . Youâll find that help in the user forums on both Mint and YNAB. As account aggregators, both do a fine job of allowing you to see all of your financial accounts at once. There is not number to call for “technical” assistance. If you’re searching for a new car, expect to see more ads about cars and auto loans. There’s a nominal monthly fee, to be sure. Let's talk about what's common with the online budgeting services. Both apps are very user-friendly when youâre on the go. Both, in fact, are excellent budgeting apps and comparable to each other in most ways. YNAB vs Mint, Which is the Ultimate Winner? YNABâs last version was YNAB 4, which was a desktop-based application. Finally, Mint vs YNAB, Who Wins? There’s no charge to use it. Subscribe to the Investor Junkie Newsletter! The platform incorporates all of your financial accounts — bank, investment, credit cards, and loans — into one place and provides a big-picture view of your entire financial situation. In the old YNAB, you'd log in to your bank account, download your transaction file, go back to YNAB, initiate the import, locate your downloaded transaction file, preview the import, make sure it was going to land in the right account, and then click the import button. To make your decision-making process easier, I’ve put together a post that provides an overview of both Mint and YNAB, the pros and cons of using each service, and other interesting details you might be interested in. Both Mint and YNAB do a great job of helping you budget. Itâs in the accounts section. If you need help from a real person, Mint offers live-chat support seven days a week from 5 a.m. until 9 p.m. Pacific Time. So when comparing YNAB vs Mint, which one wins? If you’d like to learn more, here’s a quick video that gives an overview of the four rules. There is a learning curve but they have plenty of training videos to help around. Both Mint and YNAB are designed to show you how and where you spend your money. Keep reading to learn more about where each product shines and also where they fall short. To compare YNAB vs. Mint effectively, you have to break them down by category. Embrace Your True Expenses YNAB enabled me to see the day to day choices I was making and it opened my eyes. The data is collected anonymously and does not reference back to any individual user. Both platforms provide automatic synchronization of your bank, credit card and loan accounts with many financial institutions. When you click on the support button on Mintâs website, there is a list of common questions and issues you can scroll through to help yourself. So each month I found myself changing the categories around. You can also download the Mint app, which is rated at 4.7 stars (out of 5) in the App Store. Itâs easy to sign up for alerts to be sent via email or directly to your smartphone for: YNAB (see our review) is an app that provides both the mechanics of monitoring your income and expenses and instructional support to help you deal with the root causes of financial distress. If you have a goal of trying to improve your credit score, getting out of debt will be one of the main ways you'll accomplish that goal. It has a cult following for a reason. Spotty customer service seems to be a recurring experience of users who post on their website forum. But you should be able to compensate for that by saving and spending more responsibly. What sort of assets are you referring to? In this case, there’s actually a very clear winner. You might be wondering how they make money. YNAB is better for someone willing to invest time and energy into detailed budgeting, while Mint is … Both software platforms allow you to link your accounts (bank, credit cards, loans, etc.) My question was answered in less than three hours, and I was provided a link to their âget startedâ class, which is a tutorial that helps you prioritize your financial obligations and goals. Mint was initially founded in 2007 and quickly grew its user base to over 2 million subscribers. Mint keeps an eye on your money so you donât have to. YNAB is built on getting one month ahead with your finances. I use YNAB daily and occasionally Mint. Mint is focused on tracking what you have spent, where YNAB is more concerned about being proactive with the funds you have. Plus, both budgeting apps do an excellent job when it comes to goal tracking so you can set, track, and target your financial goals. Both companies also offer easy-to-use apps that keep you informed of your finances wherever life takes you. This is an ongoing complaint among users; you can feel their frustration when you read their comments on synchronization on Mintâs forums. Worth every penny. However, Mint is completely free. YNAB is most commonly accessed via its powerful apps, which are highly rated, with a near-perfect 4.8 stars (out of 5) in the App Store. YNAB offers personalized budgeting software that can be accessed through an online account or via mobile apps. marquette carney When you terminate your account, your data is wiped clean from the database. For example , when you set the category for mortgage on your mortgage payment, the next month it recategorized it again to something else. I feel you get a lot of bang for your buck with YNAB, and their customer support is outstanding. As much as we’d like to tell you that when it comes to YNAB vs Mint, there is a clear winner or better service, we’re unable to do so. Mint, on the other hand, now seems like more of a report card after the money has already been spent. I tried YNAB briefly for the 34-day trial period. Once set up, Mint will remember repeating transactions so it will automatically match the same category in the future. Mint also sells anonymized customer data to third parties. YNAB is a small, privately held company that offers personal budgeting software. Here are some of the additional features that Mint offers: Now that we’ve covered the main features that Mint offers, let’s take a look at YNAB. While Mint and YNAB have a lot in common, the two companies stand out from each other in a number of ways. Passwords are one-way salted and hashed, using multiple iterations of a key derivative function for passwords, making it nearly impossible for a hacker to determine the exact sequence. Mint and YNAB are two of the most poplular budgeting apps on the market today. Neither have a prominently placed number to call (which means they may not have one at all), but Mint allows you to connect with a customer service rep via chat, while YNAB refers you to its FAQ section and online documentation. With the latest edition, YNAB has been rebuilt from the ground up. Budgeting apps can help you manage your money more wisely and keep tabs on financial goals. This site is definitely not better than Mint. Response to my specific inquiry from Mint was slow. In 2009, Intuit acquired Mint for $170 million. YNAB is budgets, Personal Capital is investments and retirement planning, and Mint gives you a broad overview of where your finances are at. There is a 34-day free trial, and then you can be billed monthly at $11.99/month or pay for a full year at $84. YNAB charges $11.99 per month or $84 per year, with the first 34 days free so you can test it out. ALL RIGHTS RESERVEDMILLENNIAL MONEY® IS A REGISTERED TRADEMARK OF MILLENNIAL MONEY LLC. The information on Investor Junkie could be different from what you find when visiting a third-party website. So, even though Mint is free, YNABâs $11.99 a month fee may very well be worth it for glitch-free synchronization and responsive customer support. YNAB or Mint: Pricing. Mint and YNAB are two of the world’s most popular online budgeting apps. Does YNAB have difficulty interfacing on a Chromebooks platform? Those who are truly looking to create and follow budg… It’s one less thing to worry about. So it’s budgeting tools are more front and center. Our research indicates that users seem to really like YNABâs budgeting features and really hate the synchronization problems with Mint that have persisted over the years without being fixed. As a Mint customer, you can expect to receive a steady trickle of email ads for all sorts of financial products, including credit cards, loans, and mortgages. #4. Mint also accepts a higher number of external account integrations than YNAB, so you can get an even more complete view of your financial health. Mint, on the other hand, is nice enough, but it really doesn’t provide much more information than Bank of America’s website “My Portfolio” functionality. Investor Junkie is your shortcut to financial freedom. I made four separate transactions with my credit card. I use YNAB. If you canât find the answer to your question, you can either email the team or hit the chat button for online help. Albert. Two-factor authentication: In addition to password protection, Mint wonât let you access your account until you validate the device youâre using either via the email address you used when you signed up or by a SMS text message to your cellphone. You avoid the ads because it’s a paid service. But as the saying goes, if something is free, you are probably the product. Age Your Money. In the matchup between YNAB vs. Mint, which app takes home gold? YNAB has done a great job of moving all its functionality online without bugs or disruptions to existing users. But for me this is a huge deal-breaker since the amount of money in that account changes a lot each day. At the time of this writing, YNAB is offering a 34-day free trial to new customers. Your email address will not be published. Both are now online services and compatible across all the devices you might choose to use. Mint does offer more features than just budgeting if you like bells and whistles. As an account holder, Mint will help you link all of your external financial accounts to your centralized Mint dashboard. Itâs inaccurate on my mobile devise and displays a double version of all transactions. Mint also provides free credit score monitoring, something YNAB doesn't, and while that may not be an integral part of the budgeting process, but it can be a useful perk. Not only does Mint seem to have a lot of disruptive issues, they seem to have a bad reputation for not fixing the synchronization issues in a timely fashion. Mint. The information on Investor Junkie could be different from what you find when visiting a third-party website. Both are owned by the same company: Intuit. Roll with The Punches We analyze and compare tools to help you make the best decisions for your personal financial situation. Before choosing the best budgeting and personal finance app for your needs, check out this comparison of two of the most popular. I am looking at last year’s expenditures to make sure our 2018 budget is more accurate, because some budgets have changed significantly from last year. Is YNAB worth the $60? Disenfranchised with the high cost and lackluster performance of her IRA, college savings and other retirement accounts handled by a full-service broker, Ruth moved her retirement money to a self-directed IRA in 2015. All products are presented without warranty. There’s none of that with YNAB. Both services make it easy to track spending. Staff members do not have access to customer data unless requested by the customer or required by law. You will get your service free of any ads when you use YNAB as compared to Mint where ads occupy almost half of the entire website. Mint user needs multiple authentications to get access to your account. Yes. Here are the main features that YNAB offers: Mint’s spending and budgeting tools are available through an online account. YNAB does prominently show a userâs net worth. There are countless budgeting apps out there but three constantly pop up in conversation — You Need a Budget (YNAB), Mint, and Personal Capital. You can even integrate YNAB with your Amazon Echo device. ), when I click for more detail, it says 15 transactions amounted to $1.5K, and when I added them up myself they added up to $2K! I also donât understand your description of the Mint iOS fingerprint feature. Android users can download the app in the Google Play Store, where Mint is rated at 4.6 stars (out of 5). The company now has over 20 million users and is widely recognized as the most popular budgeting app. Reviews: You Need a Budget vs Mint vs Personal Capital. Have you ever noticed anything like this? Get started today, risk-free, with their 34 day free trial. Required fields are marked *. It has problems and it’s the best product out there. Investor Junkie does attempt to take a reasonable and good faith approach to maintaining objectivity towards providing referrals that are in the best interest of readers. If you need less guidance and just want to track your budget, my best recommendation is Mint. Recently married and we're trying to setup a pretty firm budget. What We Looked For A CFP professional weighs in on how these three differ and … Track your budget automatically, completely free, but you don't get the same philosophy and guidance as YNAB. YNAB Costs Money – Mint Doesn’t (but there’s a catch) If you want to be a YNAB subscriber, you’ll have to chalk up $11.99 each month (or $84 annually). If you decide to pay for the service annually, it works out to $7/month, which is a much better deal. YNAB vs. “Set It and Forget It” Personal Finance Apps There is a very good chance that, if you are reading this, you feel like you don’t have a handle on your finances, you are stressed about money, or need help digging out of debt. YNAB offers email support (scroll to the bottom of that page to find the email contact link). On the other hand, if your primary focus is budgeting—and if you’re really serious about setting and making a budget—YNAB is probably the service you’ll want to use. Even YNAB itself states that loans and investment accounts are not automatically synched and must be manually updated. I will never in a million years touch that software again! We use mint. The first difference you should know about these companies is that Mint is free, whereas YNAB is going to cost you. I have tried Mint, and several others with not help with my budget as most budgeting software tracks spending at best. Investment accounts. Personal Capital vs. YNAB – three top personal finance tools that are all known for managing slightly different aspects of your financial life. Investor Junkie strives to keep its information accurate and up to date. While there are differences in the display of your information, it really comes down to personal preference as to which one appeals more to you as a user. I use YNAB and I have “tracking” accounts for my mortgage, IRAs for myself and my husband, our vehicles, and our retirement accounts. I am finding significant errors in expenditures by category, and their chat support could do nothing to help. Yesterday, between the hours of 8:00 A.M. and 5:00 P.M. If you are serious about budgeting, you can’t go wrong with either one. As I’m chatting with strangers in the grocery store, as I meander up and down the aisles, sticking to the outside to keep things healthy, sometimes, I end up talking about what I do. Here are some of the more popular alternatives to Mint and YNAB. I understand that YNAB doesnât import anything other than my beginning balance with my Fidelity Investments account. It’s displayed at the top of your account every time you sign in. YNAB is a budgeting machine, and you’ll be hard pressed to find any other app better. I would say that both companies, more or less, tie when it comes to the customer support category. Update: Since publishing this Mint vs YNAB comparison, two significant events have occurred.First, YNAB 5 was released. Learn how each app works and find out which is best for your needs. This may have changed since your response, YNAB has allowed me to link student and auto loans, and credit cards. It comes down to what you are looking for in a budgeting app. We may, however, receive compensation from the issuers of some products mentioned in this article. Your email address will not be published. Required fields are marked *. For a paid service I’d expect better service. So the question of which service is better depends on your unique situation. So why are you saying Mint has Touch ID Sensor security for iOS but YNAB does not? We've also taken a closer look at Mint vs. YNAB.. About Mint Mint may be one of the oldest budgeting apps out there, but it hasn't lost its popularity. If you’re looking to use a budgeting app to get a better handle on your finances, you might be wondering whether Mint or YNAB meets your needs more effectively. On the other hand, Mint is owned by a billion-dollar company, Intuit, so it’s not surprising that they will try to monetize you with “special offers.”. Net Worth Trackers: Apps & Tracking Services, Cashback Rewards: How to Earn Extra Money With Rewards Apps. I would say that YNAB is probably worth the cost for most people. You can follow Ruth on: You can trust the integrity of our balanced, independent financial advice. Both websites can aid in budgeting. YNAB offers email support with the promise that youâll receive a reply from a real person within 24 hours of sending your question or concern. It’s not even an IM Chat, it’s an email! Both YNAB and Mint offer online training videos and tutorials that make learning quick and easy. YNAB doesn’t include all assets unlike Mint.com does. Thanks! If you are serious about keeping track of your budgeting and finances, it’s probably worth paying the small monthly fee. The Mint app was started in 2006 and was acquired by Intuit in 2009. YNAB Vs Mint: Overall Comparison. Which is better and why? Budgeting is all YNAB does, and that focused mission shows in the platformâs user-friendliness and ease. Mint also sells the aggregate (not your individual) financial data to various providers. Mint also offers value estimations of property, while YNAB does not. YNABâs training is more comprehensive, and their customer service seems more responsive. Bonus: Mint helps you keep track of your net worth. The big advantage of Mint is that the service is free, but you do have to put up with credit card ads. I would say that YNAB’s platform is a little easier to use and understand. I’ve tried several others, but most have additional fees associated with downloading your account information, as well as either monthly or annual fees. They don’t share or sell your data or try to upsell you on other services. The lack of online functionality prior to 2016 was one of the reasons we recommended Mint over YNAB in the past. I’m a long-time user of Mint, but now that I’m using the YNAB trial, I would prefer to switch to YNAB, if it werenât for a couple of deal-breakers. Best for: People who want to set it and forget it. When I just now imported into YNAB, none of these transactions appeared. Key site security measures include: Mint also is concerned about the security of your personal and stored information. YNAB is $5 a month or $50 a year while Mint is free. Both provide a user-friendly tool to improve your money management skills — and financial future — by helping you budget effectively. It's not fluff. Mint is a financial tracking app and budgeting tool offered by Intuit. Opinions are the author's alone, and this content has not been provided by, reviewed, approved or endorsed by any advertiser. However, YNAB wins in design because it doesn’t have any ads. And why canât YNAB just automatically import transactions without the need for me to click on âImportâ when I see a number in parentheses? They also offer educational resources that help you get a better handle on how you’re spending money so you can identify areas where you can save. For example, if you’re in debt, you might start to see offers for debt consolidation. Conclusion. Mint is free to use, and there are no hidden fees. Mint is a budgeting app that tracks your spending, bill payments, credit card charges and investments for you. Mint and YNAB are the best. As you might expect from a service that’s run by a billion-dollar company, Mint offers more services and features than YNAB does. Unless you opt for Mint’s Credit Monitoring service, you won’t be charged any fees to use Mint. There is no clear winner. YNAB isn’t showing you the whole pic if you have other assets than bank accounts. We compare YNAB vs. Mint in a head to head comparison that you can use to decide if mint is the one for you. Touch ID sensor for iOS: This quickly reads your fingerprint and unlocks your phone, allowing you quick access to the Mint.com app. You can use both services to track your spending, savings, and debt amounts, among other things. Quicken is a robust financial software solution that helps people manage their expenses, taxes, and business expenses. Whereas YNAB focuses solely on budgeting, Mint is a more comprehensive financial tool, offering you with support for budgeting but helping you to see your entire financial standing at a glance as well. I am not sure about investment accounts though. The strategy behind YNAB’s saving and spending principles can be summarized by their Four Simple Rules for Successful Budgeting, which are as follows: #1. Mint, on the other hand, is a 100% free budgeting software. You donât have to be a paying customer — or even signed up for the free trial — to take the class. Go read the ynab subreddit and reviews. YNAB costs $11.99 each month or $84 annually. YNABâs budgeting strategy is built on three rules designed to help you live within your means, get out of debt, save money and stop living paycheck to paycheck: Both apps have a lot of similarities. With YNAB’s free trial and Mint’s 100% free platform, you can try both for the first month to determine which of these budgeting tools is best for your financial situation. I guess it’s okay for getting an overall view of your money, if you don’t have a BoA account. Ynab vs Mint: Here is a full Comparison of Ynab and Mint with detailed Features & Review and which is better. While the purpose of the tools is similar, there are some differences in terms of how they tackle budgeting. InvestorJunkie.com© Copyright 2020, All Rights Reserved | Investor Junkie is a financial publisher that does not offer any personal financial advice or advocate the purchase or sale of any security or investment for any specific individual. With YNAB, it’s abundantly clear that they’ll support you every step of the way through your budget journey. #2. When you stack up YNAB vs Mint, they are really designed for a different kind of user. This occurs in Mint and several other YNAB competitor products. You know where your money is going and can manage your finances well with either one. You don’t even need to pull out a credit card to sign up. YNAB offers more advice and personal attention and seems to be genuinely geared toward helping you budget. Mint is a personal budgeting and financial tracking service. When it comes to educating you about being fiscally responsible, YNAB takes things one step further. I have been using YNAB since 2016. YNAB safely and securely connects to your bank through a third-party provider and instantly imports all your transactions. Trading three decades of financial publishing experience in the corporate world for a life of personal and financial freedom as a freelancer in 2012, Ruth is passionate about helping others take control of their personal finances and to become aware and educated on their options as self-reliant individuals. Mint has had many synchronization issues and poor customer support is outstanding service team when troubleshooting simply and... Different ways of doing that app since your response, YNAB wins design! I would say that both companies, more or less, tie when it comes to the rules listed.. Saving and spending more responsibly popular alternatives to Mint, they are really designed for this purpose... Feel their frustration when you terminate your account, your data is collected and... 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