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You Need a Budget (YNAB) vs Mint (best budget apps for mac)

Ease of Use
Bill Tracking
Investment Tracking
Financial Goals Setting
Sync with banks
Mint is completely free for users.
YNAB costs $11.99 per month, billed annually at $84.

Mint is a solid choice for beginners. With bill tracking and credit monitoring, it’s a comprehensive free tool for financial health! 💪💰

YNAB is the go-to tool for strict budgeters. It helps you ‘give every dollar a job’, minimizing financial waste! 👍💵

Mint Pros & Cons

Top Pros
  • Free service making it budget-friendly 💰

  • Comprehensive budgeting with automatic categorization 📝

  • Includes bill tracking and credit monitoring benefits 🧾

  • Effortless interface with useful graphics 🌈

  • Highly secure personal data handling 🔐

You Need a Budget (YNAB) Pros & Cons

Top Pros
  • Proactive budgeting approach 💼

  • Detailed categories and aspects for budgeting 💡

  • Easy and appealing interface 😊

  • Educational resources for better budgeting 💭

  • Good synchronization with bank accounts 💳

  • Safe and secure financial data handling 🔒

Top Cons
  • Too many ads can be disruptive to users 🚫

  • Customer support isn’t the best 🥺

  • Occasionally categorizes transactions wrongly ❓

  • Investment tracking is very basic 📊

  • International support could be better 🌏

  • Features are relatively basic for advanced budgeters 👨‍💻

Top Cons
  • Paid tool and no free version 💸

  • May seem overwhelming for beginners 😓

  • No bill pay or direct investment tracking option ❌

  • International account support is limited 🌍

  • Doesn’t track investments efficiently 📈

Other best budget apps for mac


Quicken presents a feature-rich suite for financial management with premium pricing, ideal for users with complex finances! 🏦💼


Banktivity offers unique budgeting tools like envelope budgeting making it a good choice for fans of the old-school budgeting methods! 🧾📅


Personal Capital excels in investment tracking and retirement planning. A perfect blend for long-term financial planning. 📈🎯


For Mac users, there are several excellent budget applications. The top choices include You Need a Budget (YNAB), Mint, Quicken, Banktivity, and Moneydance. These applications offer robust features that assist users in managing and controlling their finances.

You Need a Budget (YNAB) is a renowned budgeting tool that operates on the principle of giving every dollar a job. It helps users proactively manage their finances by assigning income to specific categories for spending or saving. You can find more details on the YNAB official website.

With YNAB, you assign each dollar you earn to a particular category such as rent, groceries, or savings. This proactive approach, often referred to as zero-based budgeting, means you plan how to spend your money before you actually have it, preventing impulsivity and maintaining financial discipline.

Mint is a popular financial management app owned by Intuit. It tracks all of your accounts in one place and uses the information to help you set and maintain a budget, reminding you of due bills and offering personalized tips for reducing fees and saving money. Learn more about Mint on their website.

No, Mint is a free service. However, the app does display advertisements, which is how it generates revenue. Despite the presence of ads, Mint remains one of the most highly rated budgeting apps due to its comprehensive features and usability.

While both YNAB and Mint are excellent budgeting systems, they operate differently. YNAB uses a proactive approach, encouraging users to assign each dollar a purpose before spending, while Mint is more reactive, allowing users to track their spending habits and adjust accordingly. Also, YNAB is a paid service, while Mint is free.

Yes, for Mac users looking for free alternatives to YNAB, Mint is a reputable choice. Other free budgeting app options include Personal Capital and Goodbudget.

Yes, You Need a Budget (YNAB) is beneficial for individuals with multiple income sources, as it encourages users to assign each dollar a purpose, thus enabling effective management of all income streams.

Yes, Mint integrates with numerous financial services and tools, including all major banks and many credit card companies. This allows users to view all of their financial information securely in one place.

Yes, aside from the desktop client, YNAB also offers mobile apps for iOS and Android, allowing you to manage your budget from anywhere with internet access.

Yes, in addition to budgeting and financial tracking, Mint also offers investment management features that allow you to track your investments and see how they’re performing over time.

Yes, You Need a Budget (YNAB) can assist with debt repayment strategies by promoting disciplined spending habits. It will help you allocate funds to debt repayment, ensuring you stay committed to your plan.

For assistance or inquiries, Mint provides customer support via email and a comprehensive online help center.

Yes, YNAB provides a 34-day free trial for new users, enough time to understand if the application fits your budgeting needs before committing.

Yes, within Mint, users can set their budget limits for different categories, and the app will send alerts should users exceed these set boundaries, promoting financial responsibility.

You Need a Budget (YNAB) currently only supports the currency of the user’s bank account. Therefore, users dealing with multiple currencies might face some challenges.

Mint uses strong security measures, including multi-factor authentication and 128-bit SSL encryption. However, users are advised to use strong, unique passwords to further enhance their account security.

With YNAB, you have the option to manually enter transactions for accurate, real-time budgeting, but you can also use the auto-import feature that syncs with your bank accounts, allowing transactions to be automatically reflected in your budget.

Yes, Mint provides a free credit score tracking service. By monitoring your credit and suggesting ways to manage your finances better, it can indirectly help improve your credit score over time.

For optimal operation of YNAB, Mac users should have macOS 10.13 (High Sierra) or newer. However, even older Mac versions should still be able to run the application but may experience reduced functionality.

There are several great budget apps that you can use on Mac. Some of the most notable ones include ‘You Need a Budget (YNAB)‘, ‘Mint‘, and ‘Quicken’. These apps offer a wide range of features to help you keep track of your finances.

You Need a Budget, also known as YNAB, is a popular budgeting tool. The app is designed to help users understand their income, expenses and manage their money more effectively. It uses four rules: give every dollar a job, embrace your true expenses, roll with the punches, and age your money. The software is available for Mac and other platforms.Learn more about YNAB.

Yes, Mint is compatible with Mac devices. It is one of the most popular budgeting apps because it offers a wide range of features like expense tracking, budget planning, and credit score monitoring, all in a user-friendly interface. You can find additional information about Mint here.

YNAB offers a 34-day free trial to get you started. After the trial period, it costs $11.99/month or $84/year. On the other hand, Mint is a free budget app but offers in-app purchases for additional features.

Both YNAB and Mint provide comprehensive budgeting tools. YNAB focuses more on planning for the future, making sure each dollar is assigned a purpose. Mint, on the other hand, focuses on tracking and categorizing transactions to manage your current finances, and also provides credit score monitoring.

Both YNAB and Mint prioritize user data security. They use encryption to protect your data and also have strict policies about data sharing.

Yes, indeed. Both YNAB and Mint offer extensive customer support. YNAB offers a variety of support resources, including email support, a knowledge base, and community forums. Mint provides a help center and community forums for its users.

Yes, both Mint and YNAB allow for multi-user access. This is a great feature for families or partners who want to manage their budgets together.

Yes, both the Mint and the YNAB apps have mobile versions available for iOS and Android devices. This allows you to manage your budget on the go.

Yes. Mac users can also use budgeting apps like ‘PocketSmith’, ‘Goodbudget’, and ‘Quicken’ as alternatives to Mint and YNAB.

While both Mint and YNAB need internet access for setup and syncing transactions, you can view and manage your budgets offline. However, for updates and real-time data, an internet connection is required.

Both Mint and YNAB are web-based services, so they don’t require any specific system requirements to install on a Mac. However, your Mac must be connected to the internet and have a browser like Safari, Firefox, or Chrome to access these platforms.

Yes, you can link your bank account to both YNAB and Mint. This makes tracking transactions and managing your budget a lot more convenient.

Mint is unique because, in addition to its comprehensive budgeting tools, it offers features like bill tracking and reminders, free credit score tracks, and customized tips for saving money.

Yes, both YNAB and Mint have resources available to educate and guide their users on better money management. YNAB offers a variety of online workshops and Mint provides tips and advice in various financial areas.

Yes, both YNAB and Mint are designed to be user-friendly, making them ideal for beginners in budgeting. They feature intuitive interfaces and provide tutorials, guides, and tips to help new users get started.

Yes. Both Mint and YNAB provide detailed reports and charts on your spending habits, income, and expenses. These insights can help you understand and manage your finances better.

Yes, setting financial goals is a key component of both YNAB and Mint. They allow you to set and track goals such as savings, debt payoff, and more.

While both YNAB and Mint allow exporting of financial data, the process may not be seamless due to different formats and structures used by each app. You may need to do some manual work to fully transition between the apps.