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Both help consumers track all their expenses, categorize them by expense type, assess how much is going where, and decide allocations for the future. For anyone feeling motivated to develop a strong new strategy to help them achieve financial goals such as getting out of debt, spending less, or simply saving more, YNAB offers not just an app, but a whole new way of thinking about what you can do with each dollar you earn. To make it easy for you to decide which platform is best for your needs, we carefully researched the features, ease of setup and use, compatibility, pricing, and more to lay out a head-to-head comparison of these two popular tools.
Once your accounts are connected, the approach can be very hands-off, meaning you can come back anytime and catch up. Connects with an exceptionally large number of financial institutions, making almost all U. Because Mint can be used in a more hands-off way, it may not prove effective for some users in saving money, paying down debt, etc. At the most basic level, these two personal finance tools do the same thing, which is to help you understand where you spend, and how much, so that you can better decide how to allocate your resources in the future.
With both apps, you link all of your bank and credit card accounts to the platform in order to capture every transaction. From there, you can categorize each transaction by its spending or income category. With this information, Mint can then show you reports of how much you spent in each category over various time periods. This then enables you to, optionally, set budget amounts for this month by each of your spending categories.
Alternatively, you can simply observe how your spending this month compares to last month, or this month a year ago. Rather than simply see what you have spent, YNAB requires you to allocate your income to expenses you prioritize. Both Mint and YNAB provide register views of individual accounts as well as an overall transaction log of all your accounts, the ability to establish savings goals, and a reporting area that allows you to slice and dice your financial data into different analytical views.
YNAB allows you to connect only to bank and credit card accounts, while Mint adds loans and investments. In addition to tracking account balances and transactions, Mint can also monitor your bills for you. Accounts you have linked, like credit cards, will automatically appear in the bills section, indicating the minimum payment due, the last statement balance, and the current balance. But you can also add other bills, like your cell phone bill or your monthly water bill.
One drawback of Mint is that it does not provide full customization of categories. All you can do is add additional subcategories. To track your expenses in either app, you begin by linking your various financial accounts. This allows you to track their current balances as part of your overall net worth picture in Mint. But note that these account types do not allow managing or interacting with individual transactions in any way.
In YNAB, account setup is just the beginning. So account setup is followed by the critical step of allocating your funds in the budget area of the app. Using Mint is very straightforward. You link your accounts, the transactions populate, and you categorize them in order to analyze your spending and establish budget amounts. Reviewing your budget, establishing or monitoring progress toward savings goals, or heading over to review your reports can all be easily accessed by heading to the appropriate tab on the web interface or the app.
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