I use YNAB4 for budgeting my cash accounts and Excel for tracking all of my finances.
Excel is for my personal balance sheet, which I update monthly. I have monthly balances of all of my accounts (401K, tIRA, rollover IRA, Roth IRA, HSA, student loan, and total cash from YNAB). I update it once a month with the month end balance only. I don't track contributions vs growth, dividends, etc. Maybe at some point in the future I'll start doing that, and then I'll design a different excel spreadsheet to track what I need/want, but for now, I am just looking at my monthly net worth number. It's low enough that none of the additional info is important right now, just that it grown bit by bit every month.
I don't track my retirement/investment accounts in YNAB. YNAB is only for cash (checking, savings, gift cards, actual cash in my wallet).
I tried mint and personal capital and didn't like either. Mint was just annoying and in personal capital I can't connect of my credit union accounts that is my main checking account. Plus I open a lot of checking and credit card accounts for my travel rewards and I don't want to keep updating all that info.
As for YNAB, I use the old version. Haven't tried or plan to try new web based model. I'll be using YNAB4 till wheels fall off.
This. I'm not planning on making the switch away from YNAB4 for as long as possible. I like that it's on my desktop rather than the Cloud (some probably ill-informed sense of security), and though I absolutely love the product I'm a little disillusioned by the monthly payment set-up of a software that is ostensibly a money-saving measure (and that seems to be directly tied to moving to a cloud-based format)...
Emphasis mine.
I have to disagree here. I don't see YNAB as money-saving measure. YNAB is a budgeting tool, not saving tool. It lets you budget your money any way you choose to and it doesn't force you into saving money. If you choose to budget $5/mo for YNAB subscription then it's your choice. If you choose to save that $5/mo, that's also your choice. If you want to budget for $5,000 trinket, be my guest as long as it fits into the parameters of your budget (inflows>= current + planned outflows).
I think savings overall is a consequence of budgeting, not a goal of YNAB.
I do agree that new web based YNAB sucks and I don't plan to use it.