When it times to go with more capital budget or financial simulation, the budget system of GNU Cash is really almost naked. For example, I always scheduled my monthly transaction and paid three months in advance and ensure all my accounts are in the positive all the time. You have scheduled transactions, and you can execute it in advance which allow you to have some cash budgeting (ensuring you that you have all the cash you need at the right place). Yes, it is complex, but once you get used to it, you really feel like other software are missing something. True, it is not your "Quicken" in financial software, but it let you handle multi-currency funds, payable accounts, receivable accounts, all of this in a professional way (double accounting, letting ensure you that we really know where you money came from and where it get). I'm kind of a veteran of GNU Cash and I really love it. If you've left stuff out because you forgot it, you probably didn't need it. In fact, YNAB doesn't recommend you import your bank statement. If you have a family, you know you can't save $6 a month to buy a pair of shoes in July. YNAB realises that your spending history is not a useful indicator of future spending. Its the first budgeting application I've run across which ISNT merely an accounting package with a dolled up "planner mode" where it projects your anticipated spending based on your history, casting a bleak future of unending debt. YNAB is a personal budgeting system which is about training you to think differently* about how you put your income to work and think about budgeting. (The last version was free for a while, but it never supported QIF format) Microsoft money and quicken are almost functionally identical, but quicken is costly, and microsoft money is gone. GnuCash is an ugly, overly complicated, double entry accounting package for running a business. It won't take long to reduce you to tears. I can only suggest you actually try GnuCash. Along with quicken, microsoft money, TurboCash and others. To be honest, I havent run across a free alternative.
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