I've used YNAB on and off for about 20 years and solidly for the last 6 or so years and I generally like it. I don't have anything to compare it to because I haven't really used anything else. I tried Mint briefly, but didn't like it and it isn't option anymore anyway.

The price seems to be getting a bit high, but I would never switch to a free alternative. When it comes to my finances, I would prefer to pay for any services with a company that might be trustworthy. I haven't seen anything concerning about YNAB so far.

At this point, if I ever drop YNAB, I'll probably just switch to a spreadsheet. Maybe I'll even go back to the old spreadsheet version of YNAB; as far as I know, they still honor the old licenses for those.

I've never heard of Simplifi, but I've been using YNAB for about 10 years. I don't know what I would do without it. YNAB is the reason I've been able to afford all the things that are important to me - vacations, Christmas presents, dates with my partner, random gifts. It's so valuable to me I would gladly pay twice the subscription price.

I only have experience with YNAB, but can vouch for it. I've been using it for about 4 years now and while I'm not great at following a budget, it's helped me make sure I'm planning for things that need to be planned for while also helping me figure out how to pay for a month of not wanting to cook 🤦‍♂️

Ynab is what we use works well for us. However the version we use we bought in steam at the end of a summer sale. I believe its on a subscription model now (you need to budget I'm your budget sodtware)

The version we are on from what I can see can be knocked up in a spreadsheet but it may have changed since then

I use Quicken Classic since our finances are too complex for YNAB or Simplifi. However, I think Quicken will give you a refund within the first 30 days if you don't like Simplifi.