Emma: I really want to like it, but it only works with one of my banks (Monzo) with no prospect of my other banks being added anytime soon. Also really don’t like the Facebook login, or the way the budgeting works.
Monzo: assumes I want to spend all my money each month and shows summary accordingly. Setting the budget doesn’t work for me. I completely ignore the summary screen the vast majority of the time.
YNAB: Is incredible. I saw it mentioned a few times on here and gave it a try. For the first time ever I actually feel really in control of my finances, rather than them controlling me. It just really clicks with the way my mind works. Currently using it for free as a student, but will absolutely be happily paying for it next year.