When comparing Mint Bills vs YNAB, the Slant community recommends YNAB for most people. In the question“What are the best cross-platform budgeting apps?” YNAB is ranked 14th while Mint Bills is ranked 15th.
Ranked in these QuestionsQuestion Ranking
Pro Extensive list of usable accounts
Checks auto bill paying feature is comparable with a very large list of accounts. It can even manage mortgages and utilities.
Pro Auto-pays bills
Checks main feature is that it will make sure your bills are always paid on time. You can set up many different accounts, all you have to do is set when the bill should be payed and Check will take care of the rest.
Check uses bank level security as well as other security features such as PIN-locking and data wiping. They are also monitored by outside companies such as Norton and TRUSTe.
Pro Mobile apps for easy expense tracking
Pro Online web app
Pro Free trials available
YNAB lets you try it's software free for just over a month. This gives you a bit of flexibility when doing a monthly budget - 4 extra days to review your budget and determine whether YNAB helped out enough to justify the $5 price.
If you're a student, you can get an additional 12 months for free (for a total of 13 months) and after that you can get 10% off yearly subscriptions.
Pro Provides a method for budgeting
Provides a 4 step method for budgeting money, that really makes budgeting simple and powerful.
Pro Easy to manage and flex budgets
I've tried several including Quicken desktop app and I just like the way YNAB works. It is easy to learn and actually works as advertised.
Con Ad riddled
Like Mint, it is riddled with ads and credit card recommendations.
Con Only for US and Canada
Is only for US and Canada, after signup it asks for the users zip code, and there is no way to skip it.
Con Subscription based
Instead of a one-time purchase, you will need a subscription to use YNAB after the free trial. Subscriptions can be bought month by month ($5/month) or annually ($50 for the year). Even factoring in this recurring fee, the vast majority of users will still save hundreds more dollars each year.
Con Learning curve
There is a learning curve to the YNAB method.