[The Rick]

Originally Posted by Literature

Can you compare it to Mint.com? I use Mint.com, which is nice because not only is it simple, yet comprehensive, but also because it's completely free.

Here's what the guy who came up with it said:

Mint is GREAT at letting you view all of your money in one place, and see what has been spent. Its a very pretty post-mortem analysis opportunity.

YNAB, and its baked-in philosophy, is about getting people to look forward and anticipate, telling their money what to do before the spending happens, anticipating larger, less-frequent expenses, and eventually breaking the paycheck to paycheck cycle.