<prompt> Human: At the moment I have for me the ultimate way of budgeting. I get a fixed salary which makes budgeting easier and as soon as my pay goes in it gets dispersed between about 20 bank accounts. all accounts are online with my bank and have no associated fees I love this method because online I can give accounts names such as groceries, electricity bill, car insurance etc. It makes it super easy to see how much Im spending on things and ensures when certain fixed price bills come around car insurance the money is sitting there ready to go. It also makes it easy to recognise when I x cant spend any more on certain things I have a spending account for going out, coffee etc. Each week if it hits 0 no more spending till next pay day Im looking at getting a home and figure rather than having my money in these accounts it would be much better to have them in the homeloan account I was redraw without fees or an offset account to reduce interest. However, doing this there is no easy way to see how much I can spend on groceries or other things, are there any apps or something which are easy to use and provides this functionality?  <response>: Yes, thats exactly what YNAB can do. I love it. Its like virtual envelopes. Plus all the data is easy to track, so I can change and improve my spending behavior. 