I use a combination of YNAB and a spreadsheet. Generally YNAB is my day-to-day and tracks my actual savings, income and spending. The spreadsheet is more for hi

I use a combination of YNAB and a spreadsheet. Generally YNAB is my day-to-day and tracks my actual savings, income and spending. The spreadsheet is more for historical purposes and creating graphs or tables for monitoring long term goals (like retirement). I can always goto YNAB and see my budget, but my spreadsheet shows me the bigger picture. I swear by YNAB, it might be costly but it saves me way more money than it costs so I consider it worth it.