Software Alternatives & Reviews

Qube Money VS YouNeedABudget

Compare Qube Money VS YouNeedABudget and see what are their differences

Qube Money logo Qube Money

Qube Money is the #1 new budgeting app on a mission to digitize cash envelopes! Create a budget in minutes and start spending with purpose. Download the app today and start organizing your finances.

YouNeedABudget logo YouNeedABudget

Personal home budget software built with Four Simple Rules to help you quickly gain control of your money, get out of debt, and reach your financial goals!
  • Qube Money Landing page
    Landing page //
    2023-09-08

Qube Money is a fintech startup company located at the base of silicon slopes in Pleasant Grove, Utah.

Qube Money’s new app combines its digital cash envelope budgeting method with a full banking suite. This unique banking experience puts intention at the core of each transaction making it easy for Americans to make purposeful decisions about their budgets in real-time.

The app modernizes the outdated envelope budgeting system of previous generations by digitizing budgets into “qubes”. Consumers then set limits for different qube budgets, like groceries, clothing, and entertainment. 

A physical Qube Money debit card gives shoppers access to their pre-budgeted qube funds. This unique budgeting app helps consumers avoid overspending. When money in a qube is insufficient, shoppers are empowered to make in-the-moment budgeting choices about a purchase.

The app is engineered to support a variety of budgeting dynamics in the household. Couples can choose Qube Companion Cards to strengthen financial transparency and keep open communication about shared budgets. Qube Money also offers an effective tool for families to track spending across different family members. With the help of Kid Cards, parents and children learn about responsible spending habits together. 

Qube Money will be available to qualifying customers in the U.S. To learn more about the innovative app, visit the Qube Money website.

  • YouNeedABudget Landing page
    Landing page //
    2023-01-06

Qube Money

Categories
  • Personal Finance
  • Budgeting
  • Mobile Apps
  • Fintech
  • Money Management Software
  • Money Saving
  • Money Management
Website qubemoney.com
Pricing URL Official Qube Money Pricing
Details $freemium $8.0 / Monthly (Premium User)
Platforms
iOS Android
Release Date2021-01-29

YouNeedABudget

Categories
  • Personal Finance
  • Financial Planner
  • Accounting
  • Small Business
Website youneedabudget.com
Pricing URL-
Details $-
Platforms
-
Release Date-

Qube Money videos

Digital Cash Envelope Budgeting System

More videos:

  • Review - Qube Money Review
  • Review - Qube Money Preview: A Digital Cash Envelopes Solution?
  • Review - Budgeting Apps: Qube Money Review [Digital Envelope System] 💵
  • Review - Honest Review - Qube Money - Jerad

YouNeedABudget videos

Beginners guide

Category Popularity

0-100% (relative to Qube Money and YouNeedABudget)
Personal Finance
12 12%
88% 88
Financial Planner
8 8%
92% 92
Accounting
7 7%
93% 93
Finance
20 20%
80% 80

User comments

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Reviews

These are some of the external sources and on-site user reviews we've used to compare Qube Money and YouNeedABudget

Qube Money Reviews

  1. Life changing app

    Qube Money is the first app that has become my primary banking and budgeting app all in one place! I may be a little bias because I work for the company, but seriously, it's an incredible app.

    🏁 Competitors: YouNeedABudget
    👍 Pros:    Easy to use|Customer support|Great ui|Quality|Excellent features|Accurate

The Best Personal Finance Budget Software with Apps (In 2020)
Cons: The fact that you are unable to use your Qube Money debit card if you do not have your phone available could be problematic. Qube Money recommends taking a separate pay card to alleviate this concern.
Source: ptmoney.com
Top 15 Budget Apps to Make Your Personal Finance Goals Easy
Another budgeting app that uses the envelope system model is Qube Money (formerly known as Proactive Budget). Qube simplifies budgeting by splitting your money into several digital accounts, giving every dollar a job.

YouNeedABudget Reviews

Best 9 Personal Finance Software For Windows 11, 10 Free PC, Surface Pro
Ynab stands for You Need a Budget is a personal finance cum budgeting app designed for Windows users. The software is designed to work with Windows’ latest computer system i.e. Windows 11. It comes with basic money management features and also supports cross-platform i.e. Mac and mobile operating systems- Android and iOS.
Best personal finance software of 2024
YNAB's primary mission, as you might expect, is to help you curb overspending and avoid living from paycheck to paycheck. Stick to the program, temper your spending appropriately, and eventually YNAB will see you spending last month's money rather than that which you've just earned.
11 Best Quicken Alternatives in 2021 (#1 is Free)
One of YNAB’s core principles is to give every dollar a job. You do that by deciding how you’ll spend every dollar that enters your checking account. As with other tools, you can connect your bank accounts and credit cards to YNAB. This allows for real-time updates so that you can track your spending throughout the month.
Source: robberger.com
The Best Personal Finance Budget Software with Apps (In 2020)
YNAB believes that in order to successfully budget, you need to be hands-on with your money. Until the version released in December 2015, users had to manually enter all transactions–although the program and its companion apps for iPhone, iPad, and Android devices made this very easy. This also means that YNAB is one of the few programs that easily allows users to track cash...
Source: ptmoney.com
Top 15 Budget Apps to Make Your Personal Finance Goals Easy
I love YNAB and Personal Capital. I still use the old version of YNAB as I paid a one time fee for it (as I refuse to pay for subscriptions – yes, I’m cheap). As for Personal Capital, it’s a nice way to view only our investment and retirement accounts, and I love how it tracks contributions and fees.

Social recommendations and mentions

Based on our record, YouNeedABudget should be more popular than Qube Money. It has been mentiond 55 times since March 2021. We are tracking product recommendations and mentions on various public social media platforms and blogs. They can help you identify which product is more popular and what people think of it.

Qube Money mentions (11)

  • MX and Chase not updating?
    I saw this app - https://qubemoney.com/ . Sounds like what you’re describing. Source: 4 months ago
  • Why Verizon, AT&T and T-Mobile Want to Access Your Bank Account
    It is not clear in the article who will keep debit cards as accepted forms of payment. At least for mobile providers who will still offer debit for payment in the future, you do not have to provide your bank account number. Though you do lose out on credit card benefits like points/rewards and the ease of disputing charges. For those whose mobile providers will switch to only using bank account numbers for... - Source: Hacker News / 7 months ago
  • Introducing the Qube Rewards Blockchain Community
    This page is managed by individual Qube Rewards Node Owners who are part of the Qube Rewards and Qube Money community. For more information about Qube Money (the company), please visit their website at qubemoney.com. Source: 12 months ago
  • I'm finally switching to a cash based budget!
    Forgot a link for anyone interested: https://qubemoney.com/. Source: about 1 year ago
  • Qube Money
    Has anyone heard of Qube Money? I have been a YNAB user for 7-8 years but this bank/budget has peaked my interest. The main pain point with YNAB is entering transactions manually or trying to get auto import to work which rarely does. Qube automatically does this because it is the bank and the budget connected. Anyone has experience with this ? Why or why. not? Source: over 1 year ago
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YouNeedABudget mentions (55)

  • Is $250 a month in disposable income livable for a family of 3?
    You'll be going into a tight budget time, so get a really good system in place. If you don't have that you love already, I recommend YNAB (youneedabudget.com). It's envelope based and is really good for planning ahead for irregular expenses and for "rolling with the punches" if something comes up. It works differently than traditional monthly budget, so take time to use all the resources to learn the system. ... Source: 9 months ago
  • LPT Request: What is your favorite life hack that has saved you money, time, or made your day-to-day activities easier?
    I also said in a comment below, I use YNAB to track my financial life. This strategy only works if you have enough confidence in your finances to know that if I gave you a card with 100k credit limit, you would never spend more on it than what you have in your bank and has been budgeted for. If not, I cannot overstate how important it is to get your budget in order beforehand. There’s zero money saved if you pay... Source: 9 months ago
  • Fund future vacations
    If you aren’t already giving every dollar you make a job, earning more money will only get you so far. Check out YNAB, read all the free content about learning to plan and budget. Source: 11 months ago
  • Tracking savings goals
    Track it by hand or in software. I started out with just a spreadsheet, but since then moved my whole budget to YNAB (youneedabudget.com), where you track all your individual savings goals as well as how your money will be used to cover regular (and irregular) expenses. Now the whole plan is in one place, and covers everything from how much is set aside for gardening supplies for this summer to the big... Source: 12 months ago
  • My grandfather passed away and left me 25k. I have next to no savings and I owe money on a couple credit cards and a car. Almost 40, how do I maximize this?
    Aside from all the other advice, get a subscription to YNAB (youneedabudget.com) and start using it religiously. It will help prevent any backsliding and will put you in a much better financial situation going forward. Source: 12 months ago
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What are some alternatives?

When comparing Qube Money and YouNeedABudget, you can also consider the following products

Mint - Free personal finance software to assist you to manage your money, financial planning, and budget planning tools. Achieve your financial goals with Mint.

Money Tracker Pro - K-Tech Systems - experts in the world of .Net

GnuCash - A personal and small-business financial-accounting software, licensed under GNU/GPL and available for Linux, Windows, Mac OS X, BSD, and Solaris.

Gnuaccounting - Gnuaccounting is a Free Java cross-platform accounting and bookkeeping application. Features

HomeBank - Access Financial Services. Easy, fee-free banking for entrepreneurs Get the financial tools and insights to start, build, and grow your business.

Toshl - See your expenses in beautiful and informative graphs. Save with budgets and monitor your income.