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I'll be another vote for ynab. It takes some getting used to, but it makes it very easy to see where things are, save for specific targets, verify bills are getting paid, etc.

$100/year, but they don't sell your information or push you to buy other products, and it has dramatically helped communication about money with my wife. I have a handful of friends who also use it and swear by it.



I used YNAB 4, but gave them up for ethical reasons when they started charging yearly for their web app that was worse than the stand alone app (and the stand alone app was a cheaper one time payment). I just didn't want to see a company succeed by purposely switching to a worse but more expensive offering.


Actual Budget is similar to old ynab but is free and self-hosted.

https://github.com/actualbudget/actual




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