From searching, I find lots of posts from a few years ago, with people discussing Monzo vs YNAB (You Need A Budget, a budgeting app) and using them together, but I can’t find much recent.
In those posts the main pros/cons discussion seemed to be things like the lack of auto-imports into YNAB and the fact that manually moving money between pots in Monzo was tedious.
Both of those no longer apply - Monzo links nicely with YNAB and (I think) with a Plus account, linking cards to pots would potentially automate much of the tedious moving money around objection.
Plus, the price of YNAB has increased fairly significantly (£85 last year)
My situation is that I currently use YNAB for budgeting (not particularly rigourously, partly because I’m lucky enough not to be needing to count pennies and partly because there’s no way I’d convince my wife to use it), and just have a couple of pots in Monzo, which really amount to money for now and money for a bit later.
My question (which I don’t expect a definitive answer to) is ‘do I pay for Monzo Plus and ditch YNAB?’
I’d love to hear experiences from people who’ve done it. What works well? What’s frustrating? Would you do it again? Did you go back?