One is a free financial tracking service. Next, you need to choose between the services Personal Capital offers. Now you’ve got a complete picture of your entire financial situation in one place. You’ll include checking, savings, credit card, loan, retirement and investment accounts. When you sign up with Personal Capital, you start by linking all of your financial accounts. However, this service doesn’t offer the in-depth budgeting tools like YNAB if you want to stop living paycheck to paycheck or need extra help to maximize how you spend money. However, it does so in a much more comprehensive way than YNAB as you get to see the long-term financial results. Personal Capital will help you manage your money. That’s not a lot, but we budget-obsessed people know that it all adds up. Tiller Money does a great job at creating great spreadsheets that are completely customizable.Īnd it’ll automatically update every spreadsheet you create.īonus: Tiller Money is cheaper than YNAB by about $2 a month. The main difference between Tiller Money and YNAB is the customization aspect. All in all, the system is pretty thorough. And it’s nice to see how much money I spent the day before at a glance. To me, this is a nice way to ensure you can catch any unauthorized transactions on your accounts early. The email notifies you of any new transactions that occurred in your accounts in the previous 24 hours. Automated Email UpdatesĪnother great feature of Tiller Money is that it’ll send you an email every day. It’s thorough but easy enough for tech novices like me to use.Īnd it’s affordable. In fact, I signed up for Tiller a while back and am loving it. The worksheets are attractively designed and super easy to view and use. Debt snowball spreadsheet (yes, it’ll help you get debt-free using the debt snowball method).

Next, you’ll create customized spreadsheets to help you manage your money. When you sign up with Tiller Money, you link up your accounts, just as you do with YNAB.

The main difference between Tiller and the other options on this list is that it uses Excel and Google spreadsheets. It’s great for budgeting, expense tracking and deb payoff. Tiller Money is an awesome YNAB alternative.

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