Give every dollar a job, including the ones you invest.
YNAB is great at budgeting and treats investments as balances. Mintage keeps zero-based budgeting and adds holdings, tax lots and capital gains.
- No card needed
- Cancel anytime
- Export everything
- AU, US and UK tax aware
Safe to spend and the 60-second check-in
- Open Mintage and see what is safe to spend today, after bills and goals.
- Start the daily check-in: new transactions arrive pre-categorised.
- Confirm each one with a tap. It takes about a minute.
- Your streak grows. Prefer no streaks? Calm mode turns them off.
Sample data for fictional people. Numbers are calculated by the same engine the app uses.
Why people switch
Envelope budgeting, kept
Zero-based envelopes, rollover, safe to spend and a one-minute daily check-in. Import your YNAB export to start where you left off.
Investments with real detail
Holdings by lot, dividends, time-weighted returns and a benchmark comparison, not just a balance you update by hand.
Capital gains before you sell
See short versus long-term gains, choose lots that cost the least tax, and get wash-sale warnings.
YNAB details from ynab.com/pricing and its support guide on tracking investment accounts, checked 17 Oct 2026. Check the vendor's site for current details.
See it with your own eyes in under a minute
Open a full workspace filled with sample data for the United States. No sign-up, nothing to install.
- No card needed
- Cancel anytime
- Export everything
- AU, US and UK tax aware