<prompt> Human: Tldr; LOVE YNAB, but the transaction build doesnt fit my financial workflow. An ideal software for me would be a YNAB clone with a live account link like mint. Hey everyone, so thanks to sub, I came across YNAB about a month ago and I am a huge fan. Their philosophy is spot on and the tool is great. Personally though, the financial workflow that my fiancée and I have just doesnt work well with the current setup of the YNAB software. We have myriad of accounts and keeping accurate, good quality, data in YNAB is very challenging, especially when it comes to reconcile our budgets. I would have to log in to every individual account and visually scan or exportimport every account. I manage my budgeting and tracking every day, but this is just not feasible. This is the only major gap in the tool for me. Ideally a live link to accounts would fix this, but there is no way in hell YNAB will every implement that. I have sent in a feature request for new bulk importing that would be a good work around, but honestly Im not holding my breath. An ideal software for me would be a YNAB clone with a live account link like mint. YNAB thinks this would separate users from their budget, but it would actually enhance it. A live data link would maintain 100 accurate data all the time and allow me to focus on my budget like I should be, not on maintaining my data. Since there is no way in hell YNAB adds a live link feature outside of my dreams, Im wondering if anyone knows of any alternatives? Mint needs to go. Played with personal capital, but it doesnt really do budgeting more for investments. Any others?ThanksEDIT: Wow. Well this blew up! Thanks for the input everyone. Great ideas and input. So just to expand a bit on my idea and what I am getting at:A lot of people are saying that manual entries are key to YNAB. I dont think that is true. The key to YNAB is to have users assign every dollar a job; the manual entries just help users maintain awareness of where their money is going and how it fits into your plan. This is important, but there are other ways of staying aware. By automating transactions via a live link to accounts, users would no longer need to reconcile their data I think this is the biggest burden currently out on users and would allow users to focus solely on giving every dollar a job. Newly imported transactions can be flagged for user review to go through category assignment this maintains awareness while still allowing users to maintain a dynamic budget. Hope this helps!EDIT2: Just to clarify everyone, I am very aware that YNAB lets you import bank statements into YNAB. This needs to be done for each account and in my case at least requires quite a bit more manual labor than I think is needed to maintain accurate, high quality, data in YNAB. Assistant: I actually like the way YNAB does it. It is hands on. If you enter the transaction as it happen, while checking out or before you drive home, it takes about 30-45 seconds. Then you sit down every week or once or twice a month or so and reconcile your account. The hands on approach really makes you look at your habits as you are doing them. Simply linking to your account and bringing in transactions all the time will let you see what you did, but you dont get the same feeling as how YNAB approaches it.Remember, if you enter the transaction as it happens, you avoid the burden of having to sit down and copy everything from your bank account.However, I think there is validity to your comments, but doesnt Mint already have a budget function that can be set up similar to YNAB with notifications as you are getting close to budget?Human: Entering transactions isnt the problem for me. The problem arises when it comes to reconciling my accounts and making sure my data is good. No matter how good of a tool you have, if the data inside of it is incorrect then the tool is useless. Making sure that the data in your accounts matches the data in YNAB is key. Entering transactions is only a piece of this requirement. Physically going into your accounts is the only way to accurately check that your accounts match YNAB. Even then theres the potential for human error without import. A Livelink two accounts would ensure complete accuracy.  <response>: If you mean having a link to just the information like current balance, pending charges, and that info, I can get behind that. That would be useful when reconciling. Currently I take about 5 minutes per week, or 2 minutes a day if I am feeling neurotic. I log into the bank and just see what has cleared. I check the green in YNAB and it reconciles. Having the amounts automated so I dont have to manually log into the bank accounts. Yes I do agree, would be amazing. 