25:43 Full Chart. It is useful to watch the entire video so you can know the pros and cons of each app. Some might fight a B tier app more suitable than an S tier because of cost, user interface or another reason.
Hi Birch, I'm the co-developer of Today's Budget. I just heard from one of our users that you reviewed our app! Thank you so much for giving our app an S-tier rating! We're happy you appreciated the simplicity, UX, and privacy we aimed to achieve😊🙌 We have an exciting design update coming soon that will make the main page more fun and interactive. We hope you'll like it! Juno
Hey Juno, y'all earned the great rating! Fantastic, simple app! Hope it can rise above the noise so more people think about it as an option! Looking forward to the new design update! Cheers!
Just wanted to give you some props on great video editing and motion graphics. They complemented a well written and comprehensive presentation. Nicely done.
Hey Mike, very kind of you to pause your day to send such a nice note. This video was certainly a labor of love so I'm glad to hear that the end result was received well. Have a great day! More videos to come!
as someone who has never budgeted before and wanted to start now; this video is absolutely amazing. not only did this video show me what app would be the best to work with but it also made me realize all of the habits i could potentially be budgeting. also, amazing work on the editing and video itself. it made it easy to follow and simple to understand. thank you so much, birch finance!
Wow, so glad to hear you got so much out of the video! Really motivating! Love that it may have nudged you toward developing a budget. Thanks so much for stopping by to leave such a thoughtful comment. Wish you all the best in your financial endeavors and I hope to keep delivering videos with this type of impact! Have a great day!
Love seeing smaller channels talk budget and finance. Great work! I use YNAB and it has been a life changer. The way it tracks your credit cards as you spend is amazing. My biggest struggle to start was that they don’t let you put your paycheck in early. I thought it was weird at the time, but 6 months later, I don’t want it to be any other way.
@@erickanash6405 If you're still looking into budgeting, YNAB has a bunch of resources for HOW to budget. Of course they will use their app to show you, but the principles can be applied to other apps (or even a spreadsheet). The user groups on almost any social are top tier for Q/A. The enthusiastic fan base is always willing to help.
I tried both of those before I ended up using Lunch Money. A huge unfixable bug on my Monarch account made me ditch the service. Lunch money is also cheaper
LOVED this video - fantastic job and spot on! When I saw the video was 26 minutes, thought there is no way I'm watching the whole thing - but it was so engaging! I went with Monarch due to his advice and love it! (PS I told my team that we need to hire this guy!)
Hi Denise! Thanks for such a generous compliment and strong vote of confidence! Glad you found the video engaging despite its length and volume of information! I think you'll love Monarch - I'm finding that setting up the rules can seem endless, but once a handful of rules are in place it gives great info about current and projected spending! Have a great week and happy budgeting! :)
This is the best video I've watched re: budgeting and tracking apps. Thank you for being so thorough. It's obvious that you are not trying to sell us anything.
Thanks so much for the feedback! I really try not to let my biases creep in (although m sure they do at least a little), so I’m glad to hear it came across that way!
I am all for you expanding about your two budgeting apps in a future video! I use YNAB daily and love it but I am always curious about other apps and their features.
I really appreciate your in depth review of each app regardless of where they're going on your tier list. It makes it easier to understand what the flaws are for each app.
@ I took your recommendation and downloaded Copilot. I was able to spend a significant chunk of my morning and really look through my different accounts to help create a realistic budget. It’s so incredibly helpful to see it all laid out for me, and I can’t wait to see the impact it has on my spending moving forward. Thank you again!
I'm a staunch YNAB supporter so I was a little sad that it wasn't S tier :(. But I love the way you ended the video saying the best app is the one you'll use; I love budgeting and have been interested in trying Monarch (heard many good things), but I *just* got my partner to start budgeting in YNAB and he's really found his feet. Switching up our app could mess that up... so YNAB is S-tier in our hearts
I promise not to to hold your affection for YNAB against you :). It's a solid app, but just fell short of top tier in my humble opinion. At the end of the day, as long as it's S tier in your hearts and minds (and helps your partner stick to a budget! :) ) that's all that matters! Thanks for the note and all the best to you!
Wonderful! It was straight to the point and answered every question I had on the apps listed without me having to create my own spreadsheet (I love my spreadsheets lol) You've earned a subscriber! Thanks for the high effort, quality content.
Thank you for this video! I have been using YNAB for years, but the price is increasing again. I love zero-based budgeting, so I came to your video for alternatives. I appreciate the options.
That is why I’m here. YNABer for years, but price is getting a little out of control. Especially since I do not import any of my accounts and add every transaction.
Wonderful! I was using Ynab but needed to let that go because it was TOO MUCH effort. lol I don't have 50 mins to figure out a budget every week. I'll look into monarch and copilot. Thank you. I'd also like to see a comparison video for those two
Thanks for both great info and making me laugh. Your videos are so good! Would love to see another video once you have more info on Monarch & Copilot as learn more about them and which you like best. Great video!
Thanks for the feedback! Glad you found some value in the video. Monarch v Copilot testing is underway. A head to head video will be in the works soon! Have a great day!
This video is so good. Super informative. No BS. Really well done. I thought you were going to have millions of subscribers. Well, you just gained one more! Thank you, good sir.
Really appreciate that! It was a beast to make; so glad to hear it resonated. And, welcome to the team! We're on the slow and steady upward march to a million! Thanks for stopping in to leave the note!
Thank you for this video and your exceptional dry humor. When you said every dollar at the end there for a moment being your everyday financial app after ripping into it had me crying in laughter! Thank you for that😂
I just did a couple budget app comparisons on my own, and I wish I'd found your channel sooner, because this was insanely helpful. I'd love to see a video on Monarch vs Copilot!
Great video! I made sure to subscribe under both my personal and work accounts lol. I also would love to see a head to head between Monarch and Co-Pilot
Wow. I just came across your channel, and thank you for the information you uploaded. You have a great speaking voice, the graphics were nice, and the the video was actually informative. Definitely keep going on this channel. Subscribed.
I'm not a huge Ramsey fan and take certain aspects of their messaging with a grain of salt. I do however love Every Dollar. Some of what were considered downsides in the video are upsides to me - especially the requirement to manually track expenses to a category. I get why some people automate their budgets, but for me, the act of looking at every expense helps me to be intentional about all of my financial decisions. I know exactly what I'm spending money on and don't have anything that slides by like it might with an automated system.
All good! I'm glad it works for you and those manual entries definitely help reinforce the process. Certainly great for some people and exactly what they need - nothing will slide past, which is great!
Well done with this! Much appreciated! It's crazy how overly-complicated (and wallet-siphoning) most budgeting apps are. While the top (S-rank) apps should fill the gap for me, I still feel like an elegant, simple solution is missing. As a software engineer, I'm having one of those "hold my beer" moments 😂 Who knows, maybe you'll have another app to add to your list for 2025.
Hey Austin, thanks so much for the kind words! It really is insane how messy some of the apps are. I’d be happy to hold your beer while you whip up solution to this problem. Let me know when you’re done and I’ll help you get the word out! 👍🍻
Very high quality video Birch, loved that little skit at the beginning it hooks the viewer in perfectly. I like to go old school and just manually type my expenses and revenue on apple notes with + or - then just add it all up and organize on Google sheets monthly😅👍.
This was very interesting, but very vague. I would love to see a longer form video going more into depth with each or at the very least the top ones. I am studying and contemplating YNAB, which seems to have a cult following. It has a lot of feature, but for that price tag, I'd want to see even more. It's a little clunky.
I hear ya. Unfortunately, I had to sacrifice depth for breadth. It’s tough to go deep into each and every app, would have been a 2hr video. A lot of viewers love YNAB! If you decide to take the leap, I’m sure folks would love to hear how it goes.
Since you weren't able to get into Oportun I thought I'd leave a quick comment about it I've been using Oportun for years (since it was called Digit). I have loved the app, but it's not really for budgeting more for savings goals! It will take out based on your goals and how much money is in your account - so be careful right after you get paid, if you have a lot of money in your account it will take out a lot more. However, you can pause the withdrawals and it is super easy to transfer money back to your account! You essentially add how much you want to save and by which date. Note, that because it's based on how much money you have in your account you don't always reach the goal by the date, however I hardly notice the money going out so it's almost like an online piggy bank.
Awesome breakdown of the app, Courtney! Thanks for shedding some light on how the app works! Sounds like socking away money is a breeze, and the ability to pause the withdrawals was not a feature I was able to find when I dug around the interwebs. Appreciate you taking the time to fill in those information gaps. Have a great day and you're welcome around this neck of the woods any time!
Loved this video! I’m interested in the comparison between Monarch and Co-Pilot. My husband and I have been budgeting using spreadsheets, but it’s time to start doing some automated expense tracking. We’re curious how you’re feeling after a few months!
@@BirchFinance dude, "liked" barely scratches the surface. The quality was phenomenal!!! I hope your channel really takes off, it would be well deserved!
@@TheSnowflakemt Really appreciate that, dude! Just trying to create the best content within my abilities - very surprised by the large positive response thus far! Thanks for your support!!
This is one of the best produced videos I have ever seen on a UA-cam account with under 2k subscribers. Well done! If you increase your posting frequency, I think you could really grow your channel!
Hey Tyler, thanks so much! It was a beast to research & make so it’s encouraging to hear when it’s received well. Appreciate you leaving the feedback! More content is on the way! One brick at a time.
Very funny, instant like. I really dug into dave ramsey stuff to get my mindset straight and finances in order, but after losing Mint as my favorite budget app I fell onto everydollar and have wanted something better ever since. Especially once I was downgraded to the free version after 3 months of premium from going through their FPU course. Ill be watching the Monarch vs copilot video next and may even try out the free app on the S teir as I dont like to subscribe to many things.
Thanks for the note and glad to hear you enjoyed the video! I think there are a few great alternatives to everydollar. Would love to hear what you end up landing on - at the end of the the day, it's whatever works best for your situation!
I think you should do another video and go over which FREE app is the best. I'm not talking about any apps with free trials. I know a lot of these apps have free versions, but you can only do so much with the free version. So with that being said, I want to know which app is the best to download and use for a year+ thats free? I had a hard time figuring that out when I watched your video. I do want to mention that I really enjoyed your video and watched every second of it. Thank you for providing excellent quality content.
Appreciate the note! Definitely considering doing a free app review. The completely free apps are a whole different game because they rely on ads and/or your data to make money. But if viewers are interested in that topic, I'd be happy to dig in!!
Man, so neck and neck. Depends on your needs. But just between you and me - recently I've been SLIGHTLY more drawn to check in on my budget with Copilot.
Was researching budgeting apps and came across this video. Concise yet detailed information, incredible editing, and great visuals. Well done. You deserve more subscribers!
Hey! Apologies for not responding - YT didn't notify me of your question! I must say, I'm heavily leaning toward Copilot at this point; however, testing is still underway. If it works with your budget Copilot or Monarch are great choices.
Awesome! Hope you dig it as much as I have the past couple months! I’d love to hear about your experience using it if you care to share. I’m currently putting together the framework for the next video. Cheers!
Well done! Just a suggestion .. it would have been useful to state whether or not each app was Android, Apple, or both in the intro to the app. I was excited about a few, only to find they are only for Apple devices. :(
@@BirchFinance I am a current Every Dollar Cult member ever since Mnvelopes went by the wayside, but I've been looking for something to track spending at a more granular level. I downloaded Spending Tracker and Spendee tor a test drive. At first glance, Spendee appears to have more reports and stats for categories, but I haven't gone too deep on either. Still in the setup phase.
YNAB for the win. Looking forward to seeing other options that may be better and possibly less spendy. However, at 8 or 9 bucks a month, YNAB isn't unreasonable for what it gives you.
Thank YOU so much for such a gracious note! I’m so glad to hear you enjoyed the video - plenty more on the way! Welcome to the team and have a wonderful day! 😁🙏🎉
The channel is still alive and well! It's just been a very busy last few months so I haven't been able to make any videos. Thanks for the support and more videos are on the way!!! 😊
For someone with only 2k subs, the quality of this video is off the charts. Hats off to you man, well done & thank you
Really appreciate you stopping to drop the note! Thanks so much! More content on the way! Have a great day!
Very true!
💯
I'll say!
I was just thinking this exact thing. I have watched maybe 20 videos on this subject and this is the best video I’ve seen. Great work my friend
Who else watching because Mint shut down?
Y’all are welcome to hang out as long as you’d like!
25:43 Full Chart. It is useful to watch the entire video so you can know the pros and cons of each app. Some might fight a B tier app more suitable than an S tier because of cost, user interface or another reason.
Hi Birch,
I'm the co-developer of Today's Budget. I just heard from one of our users that you reviewed our app!
Thank you so much for giving our app an S-tier rating! We're happy you appreciated the simplicity, UX, and privacy we aimed to achieve😊🙌
We have an exciting design update coming soon that will make the main page more fun and interactive. We hope you'll like it!
Juno
Hey Juno, y'all earned the great rating! Fantastic, simple app! Hope it can rise above the noise so more people think about it as an option! Looking forward to the new design update! Cheers!
@@BirchFinance Thank you!!
can yall make a limetime offer
Hi @EAskin! Our app, Today’s Budget, offers a lifetime option for $39.99-one-time payment, no subscription😊
Android pls
This video is almost perfect. Only needs timestamps to be able to quickly pass on to the next app when, for example, one costs 100 dollar per year.
Thanks for the feedback - always striving to do better! Timestamps are on the way!
insanely high quality video. I dont expect to find a video like this every time i look for informative videos
Thanks so much! Glad you found it too! 👍
Just wanted to give you some props on great video editing and motion graphics. They complemented a well written and comprehensive presentation. Nicely done.
Hey Mike, very kind of you to pause your day to send such a nice note. This video was certainly a labor of love so I'm glad to hear that the end result was received well. Have a great day! More videos to come!
@@BirchFinance Is there a summary / visual we can go to?
Fantastic video! Funny and smooth script. Very useful and succinct information. Masterfully organized.
Thanks so much!!! Glad you found it helpful. Very generous of you 🙏
Great Video. I use YNAB and its been a life saver to me. Does everything I need and answers the all important question “Can I afford this?”
Awesome, glad you liked it. Sounds like you found one that works! Bingo
Perfect timing! I was a Mint user, now using Monarch and considering Copilot. Would love a proper comparison of the two.
Timing is everything! Comparison in the works! Enjoying both, but one of them is starting to pull ahead. Hope to have that video out soon!
@@BirchFinanceSo Copilot for the win? Hope you release that video
@@BirchFinancehow’s that comparison video coming. Amazing work on this one 👏
@ricklee4122 next week, my friend! Thank for the note, glad you enjoyed it 🙏
High quality videos like this deserve to be rewarded by the algorithm.
Thanks so much! Appreciate the note and feedback! Tell all your algorithm friends.
Yes, please do the follow up between Monarch and CoPilot.
Almost done my friend! Hoping to publish next week!
as someone who has never budgeted before and wanted to start now; this video is absolutely amazing. not only did this video show me what app would be the best to work with but it also made me realize all of the habits i could potentially be budgeting. also, amazing work on the editing and video itself. it made it easy to follow and simple to understand. thank you so much, birch finance!
Wow, so glad to hear you got so much out of the video! Really motivating! Love that it may have nudged you toward developing a budget. Thanks so much for stopping by to leave such a thoughtful comment. Wish you all the best in your financial endeavors and I hope to keep delivering videos with this type of impact! Have a great day!
High quality video, surprised to see only 2k subscribers - here's one more!
Appreciate the note! Welcome to the team! ☝️
Love seeing smaller channels talk budget and finance. Great work!
I use YNAB and it has been a life changer. The way it tracks your credit cards as you spend is amazing. My biggest struggle to start was that they don’t let you put your paycheck in early. I thought it was weird at the time, but 6 months later, I don’t want it to be any other way.
Thanks for the note! Sounds like YNAB is getting the job done - awesome to hear!
I was thinking of getting YNAB but I'm hesitant on the subscription (I'm broke😅)
@@erickanash6405 If you're still looking into budgeting, YNAB has a bunch of resources for HOW to budget. Of course they will use their app to show you, but the principles can be applied to other apps (or even a spreadsheet). The user groups on almost any social are top tier for Q/A. The enthusiastic fan base is always willing to help.
@@erickanash6405they have a 30 day trial, which I used to save up enough money to afford their subscription 😅
The charater interaction was super smooth! 👏🏾👏🏾👏🏾
Thanks, Lani! 🤙 👊
I also whittled down to Monarch and Copilot. Really like them both. Would love to see a direct comparison video.
Man, I'm right there with ya! ...and then there were two. Using both and getting everything dialed in as we speak. Comparison video on the way!
No Android for Copilot unfortunately :(
I tried both of those before I ended up using Lunch Money. A huge unfixable bug on my Monarch account made me ditch the service. Lunch money is also cheaper
And that absolutely takes it off the table. No PC version. Buh bye.
He just made one and it's another great video
LOVED this video - fantastic job and spot on! When I saw the video was 26 minutes, thought there is no way I'm watching the whole thing - but it was so engaging! I went with Monarch due to his advice and love it! (PS I told my team that we need to hire this guy!)
Hi Denise! Thanks for such a generous compliment and strong vote of confidence! Glad you found the video engaging despite its length and volume of information! I think you'll love Monarch - I'm finding that setting up the rules can seem endless, but once a handful of rules are in place it gives great info about current and projected spending! Have a great week and happy budgeting! :)
That EveyDollar joke near the end made me LOL 😂
😁 Gotta keep it light!
Me too! 😂😂 Especially as someone who tried EveryDollar and found it to be lacking in more ways than one.
Indeed, deserves and thumbs up! 😅
I just about spit out my drink and did LOL
Came here to say this 😂
This is the best video I've watched re: budgeting and tracking apps. Thank you for being so thorough. It's obvious that you are not trying to sell us anything.
Thanks so much for the feedback! I really try not to let my biases creep in (although m sure they do at least a little), so I’m glad to hear it came across that way!
Best video on this topic by a mile, thank you for the information. I’m going with Today’s Budget
Appreciate it! Thanks for leaving a note! Hope you enjoy the app!
I am all for you expanding about your two budgeting apps in a future video! I use YNAB daily and love it but I am always curious about other apps and their features.
Comparison video is done! If you’re lovin YNAB, you may have already found a budget solution! ✅
I really appreciate your in depth review of each app regardless of where they're going on your tier list. It makes it easier to understand what the flaws are for each app.
I really appreciate you stopping to leave such a nice note. Glad to hear you found value in the video!!!
@ I took your recommendation and downloaded Copilot. I was able to spend a significant chunk of my morning and really look through my different accounts to help create a realistic budget. It’s so incredibly helpful to see it all laid out for me, and I can’t wait to see the impact it has on my spending moving forward. Thank you again!
Very helpful! Thank you, I was going crazy trying to do this research myself. So glad I found this video.
Glad you found the video too and I could help cut down your research time! Thanks for the note!
Great vid! It would be fantastic if you'd do a deep dive on Co-pilot.
Great minds think alike… I’d strongly consider it if there was enough interest!
I'm a staunch YNAB supporter so I was a little sad that it wasn't S tier :(. But I love the way you ended the video saying the best app is the one you'll use; I love budgeting and have been interested in trying Monarch (heard many good things), but I *just* got my partner to start budgeting in YNAB and he's really found his feet. Switching up our app could mess that up... so YNAB is S-tier in our hearts
I promise not to to hold your affection for YNAB against you :). It's a solid app, but just fell short of top tier in my humble opinion. At the end of the day, as long as it's S tier in your hearts and minds (and helps your partner stick to a budget! :) ) that's all that matters! Thanks for the note and all the best to you!
I love YNAB, so easy to use.
Incredible video. As a young graduate starting my career, I am very lucky to have found this!
Hey man, thanks so much! Very shrewd to get a handle on your finances early. But also don’t forget to have fun!
This is incredible content! I really hope your channel grows exponentially!!
Really appreciate it! Same here! Thanks for the note!
Wonderful! It was straight to the point and answered every question I had on the apps listed without me having to create my own spreadsheet (I love my spreadsheets lol)
You've earned a subscriber! Thanks for the high effort, quality content.
Glad you enjoyed it and found it helpful. Thanks for leaving me the feedback note and welcome to the team!!
Fantastic! Real budgeting app reviews that I don't hate watching. Would love to see something with bill pay within the app.
Thanks for the note! I don’t hate that you didn’t hate it 😆
Yea paying straight from the app would be extremely helpful
Thank you for this video! I have been using YNAB for years, but the price is increasing again. I love zero-based budgeting, so I came to your video for alternatives. I appreciate the options.
Awesome! Thanks for the note, and I hope you find a great alternative! 🙂
That is why I’m here. YNABer for years, but price is getting a little out of control. Especially since I do not import any of my accounts and add every transaction.
Excellent video! Very useful, and editing is top-notch.
Thanks Tae! Glad you thought so. Appreciate you stopping by to leave that note! Love your channel.
I would love to see a head to head between copilot vs monarch
You got it! In the works and on the way!
I just started the video. The interaction between you and you is awesome xD
Haha. Thanks man! Glad it turned out alright. Could have gone horribly wrong 😅
Wonderful! I was using Ynab but needed to let that go because it was TOO MUCH effort. lol I don't have 50 mins to figure out a budget every week. I'll look into monarch and copilot. Thank you. I'd also like to see a comparison video for those two
I’ve heard similar about YNAB…thanks for the note and glad the video was helpful! Comparison video is under development as we speak! Have a great day!
Absolutely phenomenal quality of the video! keep making content and you're sure to continue gaining traction!
Thanks so much - appreciate you stopping by to leave such a nice note! More content on the way!!
Thanks for both great info and making me laugh. Your videos are so good! Would love to see another video once you have more info on Monarch & Copilot as learn more about them and which you like best. Great video!
Thanks for the feedback! Glad you found some value in the video. Monarch v Copilot testing is underway. A head to head video will be in the works soon! Have a great day!
I use apple sheets on my phone for budgeting. It works great, has helped me save much more consistently since I set it up
Sometimes simple is better! Glad you found a system that works for you!
I loved this video! Nice graphics and editing. It was also clever and very informative. I loved the ultimate winner at the end - so true!
Thanks so much, Marilyn! Glad you enjoyed it and found it helpful!! :)
I’d like to see co pilot and monarch put head to head ! Great video !
Thanks so much! It's in the works!!
@@BirchFinance Look forward to it!
This video is so good. Super informative. No BS. Really well done. I thought you were going to have millions of subscribers. Well, you just gained one more! Thank you, good sir.
Really appreciate that! It was a beast to make; so glad to hear it resonated. And, welcome to the team! We're on the slow and steady upward march to a million! Thanks for stopping in to leave the note!
Great video. Subbed. High quality.
Awesome. Glad to hear you liked it! Welcome aboard!
Love that you explain what the video is about and no sponsors which is great for trust good video
Appreciate that! Transparency is key IMO! 🙌
Thank you for this video and your exceptional dry humor.
When you said every dollar at the end there for a moment being your everyday financial app after ripping into it had me crying in laughter! Thank you for that😂
Ha! Glad you got a chuckle from it, Josh! Gotta keep the "riveting" topic of budget apps light! 😆
I just did a couple budget app comparisons on my own, and I wish I'd found your channel sooner, because this was insanely helpful. I'd love to see a video on Monarch vs Copilot!
Bummer! Wish I could have saved you some legwork! Glad to hear the video was helpful nonetheless. Monarch v Copilot is in the works!
Thanks for the great content. I hope to see a video comparing the top three S tier apps.
Glad you enjoyed it and thanks for the feedback! A comparison video is on the way!
Thanks for saving us a ton of time weeding through these apps.
And putting together such a great video review 👏
You're very welcome. Thanks for leaving me the note and glad to hear you enjoyed it!!
an incredible video! from the technical side, very good video work! 😊
Thanks so much! It was a labor of love, glad you enjoyed it and I appreciate the feedback! 🙂
Very impressed with the quality of this video. Subbed
Glad you liked it and thanks for the note! Welcome to the team!
Great video! I made sure to subscribe under both my personal and work accounts lol. I also would love to see a head to head between Monarch and Co-Pilot
Wow, double sub, thanks so much! The head to head video is under construction and on the way! Have a great day!
Wow. I just came across your channel, and thank you for the information you uploaded. You have a great speaking voice, the graphics were nice, and the the video was actually informative. Definitely keep going on this channel. Subscribed.
Hey, thanks so much! Really appreciate you stopping to drop this note! Welcome to the team, and more content is on the way!
Very informative video; covered a lot of ground in a clear, concise way. Much appreciated!
Thanks so much! Glad you found it helpful and appreciate you stopping to leave the note! 🙏👍
Watching you for the first time, I'm a fan.
Hey! Welcome to the channel. Glad you stumbled across it! Thanks for the note!!
This video and channel is 10/10. Excellent stuff
Damn Anthony, much appreciated. More attempts at excellence on the way!
I'm not a huge Ramsey fan and take certain aspects of their messaging with a grain of salt. I do however love Every Dollar. Some of what were considered downsides in the video are upsides to me - especially the requirement to manually track expenses to a category. I get why some people automate their budgets, but for me, the act of looking at every expense helps me to be intentional about all of my financial decisions. I know exactly what I'm spending money on and don't have anything that slides by like it might with an automated system.
All good! I'm glad it works for you and those manual entries definitely help reinforce the process. Certainly great for some people and exactly what they need - nothing will slide past, which is great!
Well done with this! Much appreciated!
It's crazy how overly-complicated (and wallet-siphoning) most budgeting apps are. While the top (S-rank) apps should fill the gap for me, I still feel like an elegant, simple solution is missing.
As a software engineer, I'm having one of those "hold my beer" moments 😂 Who knows, maybe you'll have another app to add to your list for 2025.
Hey Austin, thanks so much for the kind words! It really is insane how messy some of the apps are. I’d be happy to hold your beer while you whip up solution to this problem. Let me know when you’re done and I’ll help you get the word out! 👍🍻
@@BirchFinance Will do! 😁
Great video. Would have loved if you added in Empower (formally Personal Capital) to hear your thoughts about that too.
I’ll take a look at that one!
Great video the only thing missing would be mentioning what apps have desktop or web versions too.
Agreed! Wish I could have added a few more details about each app, but hopefully it was enough to get you pointed in the right direction
Very high quality video Birch, loved that little skit at the beginning it hooks the viewer in perfectly. I like to go old school and just manually type my expenses and revenue on apple notes with + or - then just add it all up and organize on Google sheets monthly😅👍.
Thanks man! Glad that skit came across okay - was nervous about how it would play. Love the old school mentality! Whatever works!! 👊💰
This was very interesting, but very vague. I would love to see a longer form video going more into depth with each or at the very least the top ones.
I am studying and contemplating YNAB, which seems to have a cult following. It has a lot of feature, but for that price tag, I'd want to see even more. It's a little clunky.
I hear ya. Unfortunately, I had to sacrifice depth for breadth. It’s tough to go deep into each and every app, would have been a 2hr video. A lot of viewers love YNAB! If you decide to take the leap, I’m sure folks would love to hear how it goes.
Did that Monarch vs Copilot video get made? Would REALLY like this one. Excellent video.
Not yet, but it’s in the works!! Coming soon. Thanks for the feedback, Chris! 👍
@@BirchFinance is the Monarch vs. Copilot Video out yet?
Incredible and comprehensive review. Btw do you play that guitar? Lol
Thanks so much! Appreciate you stopping to leave a note! Technically I do play the guitar... the quality of which is debatable
Went looking for the copilot vs monarch comparison. did you end up doing one? Which did you end up going with?
Research is done! Video is in production, my friend! 👊 I don’t want to spill the beans, but I went with the app that’s 2nd letter is O 🤫
Very high quality vid!
Thank you! 🙏
Since you weren't able to get into Oportun I thought I'd leave a quick comment about it
I've been using Oportun for years (since it was called Digit). I have loved the app, but it's not really for budgeting more for savings goals! It will take out based on your goals and how much money is in your account - so be careful right after you get paid, if you have a lot of money in your account it will take out a lot more. However, you can pause the withdrawals and it is super easy to transfer money back to your account!
You essentially add how much you want to save and by which date. Note, that because it's based on how much money you have in your account you don't always reach the goal by the date, however I hardly notice the money going out so it's almost like an online piggy bank.
Awesome breakdown of the app, Courtney! Thanks for shedding some light on how the app works! Sounds like socking away money is a breeze, and the ability to pause the withdrawals was not a feature I was able to find when I dug around the interwebs.
Appreciate you taking the time to fill in those information gaps. Have a great day and you're welcome around this neck of the woods any time!
Loved this video! I’m interested in the comparison between Monarch and Co-Pilot. My husband and I have been budgeting using spreadsheets, but it’s time to start doing some automated expense tracking. We’re curious how you’re feeling after a few months!
Thanks for the feedback! The comparison video is in the works and on the way! Automation is the way to go! Have a great day!
Extremely well done and helpful! Thank you!
@@jenovationmusic Thanks so much; glad you enjoyed it! I appreciate the note!
Loved this video. Super helpful. Great editing. And you’re handsome and easy to listen to! 🎉 winner 🎉
Thanks for the note! And so glad to hear you found the info so helpful! 😊🏆
Excellent video, thank you for the hard work making it easy for me . Subscribed!
Awesome, glad you enjoyed it! Welcome to the team!
I laughed several times watching this and that's not what I signed up for lol...Thank you this was a well rounded video.
Great! Going for the non-boring informative niche! Thanks for stopping by to leave feedback 😊
Love this video! Thanks so much for your thorough review!!
So glad to hear! Thanks for leaving the kind note - more videos on the way!! ✅
Amazing video, I've subbed and shared!
Awesome! Glad you liked it! 👊👍
@@BirchFinance dude, "liked" barely scratches the surface. The quality was phenomenal!!! I hope your channel really takes off, it would be well deserved!
@@TheSnowflakemt Really appreciate that, dude! Just trying to create the best content within my abilities - very surprised by the large positive response thus far! Thanks for your support!!
Another great video with valuable information! Great job Birch Finance!
Thanks so much! 😁
Fantastic video Birch, glad to know that the best app is still my brain 😁
the most powerful tool of all!
This is one of the best produced videos I have ever seen on a UA-cam account with under 2k subscribers. Well done! If you increase your posting frequency, I think you could really grow your channel!
Hey Tyler, thanks so much! It was a beast to research & make so it’s encouraging to hear when it’s received well. Appreciate you leaving the feedback! More content is on the way! One brick at a time.
Very funny, instant like. I really dug into dave ramsey stuff to get my mindset straight and finances in order, but after losing Mint as my favorite budget app I fell onto everydollar and have wanted something better ever since. Especially once I was downgraded to the free version after 3 months of premium from going through their FPU course. Ill be watching the Monarch vs copilot video next and may even try out the free app on the S teir as I dont like to subscribe to many things.
Thanks for the note and glad to hear you enjoyed the video! I think there are a few great alternatives to everydollar. Would love to hear what you end up landing on - at the end of the the day, it's whatever works best for your situation!
Great work putting this together
Thanks, appreciate it! 🙏
Great video! thanks for the content :)
Absolutely. Thanks for the note, glad you liked it!!
Lmao the guitar disappearing. Great content. Great editing. You deserve a bigger following, keep it up.
😆 Thanks so much! Appreciate you stopping in to drop this note. More videos in the way!
Amazing production. Great job.
Thanks so much! 🙏
Super helpful and informative video! Four months later, have you been leaning more toward Monarch or Copilot?
Glad it was helpful! I'll be pushing out the comparison video soon - in production as we speak!
I think you should do another video and go over which FREE app is the best. I'm not talking about any apps with free trials. I know a lot of these apps have free versions, but you can only do so much with the free version. So with that being said, I want to know which app is the best to download and use for a year+ thats free?
I had a hard time figuring that out when I watched your video. I do want to mention that I really enjoyed your video and watched every second of it. Thank you for providing excellent quality content.
Appreciate the note! Definitely considering doing a free app review. The completely free apps are a whole different game because they rely on ads and/or your data to make money. But if viewers are interested in that topic, I'd be happy to dig in!!
Super appreciate the unbiased thoughts. Any updates on what you like now between Copilot and Monarch?
Man, so neck and neck. Depends on your needs. But just between you and me - recently I've been SLIGHTLY more drawn to check in on my budget with Copilot.
Was researching budgeting apps and came across this video.
Concise yet detailed information, incredible editing, and great visuals.
Well done. You deserve more subscribers!
Thanks so much! Appreciate you taking a moment to let me know 🙏 Glad you stumbled across the channel and welcome to the team!
Yes please! Which one of the two would you recommend someone go with?
Hey! Apologies for not responding - YT didn't notify me of your question! I must say, I'm heavily leaning toward Copilot at this point; however, testing is still underway. If it works with your budget Copilot or Monarch are great choices.
@@BirchFinance awesome! Me too! I'll get the free trial and I look forward to your next video!
Awesome! Hope you dig it as much as I have the past couple months! I’d love to hear about your experience using it if you care to share. I’m currently putting together the framework for the next video. Cheers!
Tiller Money - That got my vote. Love my spreadsheets!!!
There’s something for everyone!
Thanks for the great video. I’m in Canada and no Copilot darn, so will look at Monarch
Bummer! Hope you like Monarch!!
Worth the like and sub for sure, thanks you for the video!
Awesome, glad to hear! Welcome to the team!
Great review, thank you!
You're very welcome. Glad you liked it and thanks for the note!
Well done! Just a suggestion .. it would have been useful to state whether or not each app was Android, Apple, or both in the intro to the app. I was excited about a few, only to find they are only for Apple devices. :(
Appreciate the suggestion! Did you end up selecting any or still on the hunt?
@@BirchFinance I am a current Every Dollar Cult member ever since Mnvelopes went by the wayside, but I've been looking for something to track spending at a more granular level. I downloaded Spending Tracker and Spendee tor a test drive. At first glance, Spendee appears to have more reports and stats for categories, but I haven't gone too deep on either. Still in the setup phase.
YNAB for the win.
Looking forward to seeing other options that may be better and possibly less spendy. However, at 8 or 9 bucks a month, YNAB isn't unreasonable for what it gives you.
Glad it works for you! Stick to what works 👍✅
I was really waiting to hear you mention Empower budgeting app.
It was certainly in the running! I just felt Empower was geared more toward retirement/investing rather than day-to-day budgeting.
Yes please do a direct comparison
On the way my friend! 👍
We need that side by side comparrision between Monarch and Copilot please!
Absolutely! Coming soon! ✅👍
so you're review of simplifi is i didn't try it D tier? exceptional content! worth the click
I’m glad you clicked as well 😁
Amazing video!! Thank you very much for your way of delivery. Very informative and had humor 😂. You just got a New subscriber!!!🎉🎉🎉🎉🎉😊😊😊
Thank YOU so much for such a gracious note! I’m so glad to hear you enjoyed the video - plenty more on the way! Welcome to the team and have a wonderful day! 😁🙏🎉
Hey are you not making any more videos? I so looked forward to them.
The channel is still alive and well! It's just been a very busy last few months so I haven't been able to make any videos. Thanks for the support and more videos are on the way!!! 😊
Very helpful…if you’re a Mac/ios user from the USA
Point taken. Still around 160 million people
Any concerns with the data security associated with linking financial accounts?
Not really. It’s not risk-free but the risk is low. I talk about this in the comparison video 👍
@@BirchFinance Thanks.
This was a great video!
@@owen9175 Glad you liked it! Thanks for the note!