You Need a Budget

Part budgeting tutorial and part money management guide, the intuitive You Need a Budget program for Windows walks you through setup and fund allocation, helping you add accounts and project spending in dozens of categories. YNAB then maintains a running tab of your spending, with graphs that illustrate how much you've spent over the months and how your net worth has progressed. Security-conscious users will appreciate that YNAB can't automatically download activity from your bank account. You can import OFX, QFX, and QIF files into the ledger, but YNAB encourages self-reporting because that approach forces you to think more concretely about your spending habits.