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Comment by kfriede | Hacker News Reader

I was forced to ditch Simple after their ridiculous application policies wouldn't allow my spouse to create an account for us to have a joint account. Since doing so, I've signed up for YouNeedABudget (YNAB) [1], and couldn't be happier. Simple was a great service and I'm sad it is calling quits, but I've outgrown it.

[1] https://www.youneedabudget.com/

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They used to have pay-once app. Now you have to pay $12 a month and you are stuck in ecosystem that has your data and require payments forever. That is too steep, especially outside of USA. I'll kill my first unnecessary expense by not buying it.

Crazy. I somehow got locked in to $45/yr pricing. I really like YNAB but I don't know if I like it for twice the price I'm currently paying..

I’m actually still using the pay-once app. There are hardly any functional changes between that app and the new web-based app.

Other than getting transactions automatically imported, which at least for me is the difference between using it and not using it.

Yeah that doesn’t seem to be working for any of the banks over here (in The Netherlands) anyway.

Where are you running it? The MacOSX one stopped working on newer MacOSX versions.

Linux, with wine.

+1,000,000 for YNAB. It finally taught me that I don’t need to search for a bank with all the money management features I want, I just use YNAB to manage my money and I hardly care what bank account it sits in, it’s all “spent” in YNAB.

I’m a long time (2012) Simple customer and I went with them originally due to their new take on banking and the promise of an API (which they backtracked on). The envelope-type system they built with goals/expenses was nice but looks like a toy compared to YNAB. Now I can pick a new bank that doesn’t need to have any clever savings tools and just use it to hold my money.

I'm still trying to decide between Personal Capital vs. YNAB...

Personal Capital's budgeting tool is quite weak. It's not comparable with YNAB. I would describe Personal Capital more as an investment tracking tool. The most amazing future is that it looks into holdings of the ETFs and mutual funds to figure out your exposure.

Tried both, found YNAB far better for budgeting.

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