YNAB is great except when tracking existing credit card debt and new debt. I found it a real pain to figure out what my monthly payments should be. It's doable,

YNAB is great except when tracking existing credit card debt and new debt. I found it a real pain to figure out what my monthly payments should be. It's doable, I just found it not straight forward at all. That and trying to figure out what a 'month' is - different payments coming in at different times for purchases from different times, I kept finding myself trying to override and do manual catch ups. I finally just stopped using it.