That's You Need A Budget, which I love paying for.
YNAB seems to pretty actively want you to "Fresh Start." One of the giant values for me with Mint is historical information. I often will dump a CSV or troll through old transactions since I can't remember which account was used. After not touching Mint for a year I could go through and touch up categories and answer if "eating out" was something I'm doing more of in Nov/Dec than January. Or I could skim through and mark deductions when filing taxes or looking for medical expenses.
My needs have changed a lot since I was clawing out of debt. I don't really see myself setting a budget, but more tracking categories to find outliers. I guess kind of like changing my diet instead of trying to make my next meal "healthy."
That said, I'd love to ditch Mint. There are so many ads garbaging up the interface. I never found their charts all that useful. Their offers seem to be whoever bought ad space this month instead of what would improve my financial situation. YNAB is way better at things like bi-montly bills that use income split up each month.
But I got back into budgeting in mid 2018, and I actually love all of those features. imo the $7/mo I pay is well worth the auto-transactions, auto-syncing across all devices without dropbox, ability to link several different accounts (my checking acct is with a small local credit union, I have a brokerage account, a personal loan I'm paying down, etc.).
- Import from v4 is super broken for credit card accounts and I ended up with weird positive balances that don't add up based on any combination of transactions. Forum advice was "start over".
- You cannot tag income as "available for next month", instead all income must be immediately budgeted. Which is different than the old YNAB advice of being a month ahead. Forum advice is to earmark it a special category then fix it when the next month lands (https://support.youneedabudget.com/t/63pgpp/budget-using-onl...).
- No side-by-side month view. You can only view one month at a time.
The differences were too much for me and the import was so borked that I immediately gave up and stuck with v4.
You can receive income in January, then switch to February and allocate it to a category. When you switch back to January, it will not show that money in your To Be Budgeted total. So you can zero out January while having the next month already budgeted for.
My system is to switch to the next month, select all categories, then click the "Budgeted Last Month" button to automatically apply my previous budget to that month. Then I switch back to the current month and fix any underfunded categories and allocate any overflows to get the balance down to zero.