Personal Capital (Empower)– Editor’s ChoiceĮmpower is the clear winner when it comes to finding a substitute for Quicken. EveryDollar (now Ramsey+)–Best for Dave Ramsey Fans Moneydance–Traditional Budgeting Software You Need a Budget (YNAB)–Best for Budgeting Tiller Money–Best Spreadsheet Budget Tool Personal Capital (Empower)–Editor’s Choice While I no longer use YNAB, I did for years and found it to be an effective budgeting tool. It does budgeting as well as any app available today, and its community is second to none. YNAB (You Need a Budget): For those who want to focus exclusively on budgeting (no investments), then YNAB is an ideal choice.I’ve used it for the past two years and love it. You can try it free for 30 days, then it’s $79 a year. It also offers daily email updates to track your spending. It integrates with Google Sheets and can connect your bank accounts and credit cards.
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