I have not used YNAB, but to my understanding it is focused on the Zero-Based Budgeting aspect (much narrower than what Tiller provides). If you are looking for that AND have Excel (Office365) then have you looked at the Excel Zero-Based Budgeting tool that utilizes Tiller data feeds? Excel Zero Based Budgeting Comprehensive Spend and Cashflow Management Tool . It provides a comprehensive budgeting solution for Tiller users and is set up for “out-of-the’box” use… no spreadhseet skills required. But since you can link 5 spreadsheets you can also still take advantage of other Tiller offerings (if you want to). If you want to give that a go, the send me a message and I can give you some guidance. However, as Brad mentions there are other solutions available depending on what you are really trying to get out of it and what your challenges are.