Hey all. I know this sub is mostly about finding YNAB replacements, and I want to be upfront: Endute is not an envelope budgeting app. It doesn't do "give every dollar a job" and it's not trying to be YNAB.

Endute is a personal finance management app for people who want to see everything in one place. Accounts, investments, assets, net worth, cash flow, the lot. If you've been using YNAB for years and find yourself wanting more visibility into your full financial picture rather than just budgeting your monthly spend, this might be for you.



Quick rundown of some of what it does:

\- Connects to 7,000+ US banks for automatic transaction import

\- Multi-currency accounts, so if you hold anything outside USD it actually works properly (daily FX rate updates)

\- Budgeting with category-level tracking, refund adjustments, 50/30/20 model

\- Investment portfolio tracking with both time-weighted and money-weighted return calculations, daily price updates

\- Cash flow forecasting based on your scheduled transactions, budget, and spending habits

\- Net worth dashboard that includes property, vehicles, and other tangible assets with linked loans for equity calculation

\- 11 report types including a Sankey diagram for cash flow visualisation

\- 12 types of automated insights like savings rate, emergency fund runway, unusual transactions, spending trends, and year-on-year pace comparisons

\- Loan tracking that splits out interest vs principal on repayments

\- Subscription and recurring payment detection with price change alerts



Investment transactions are manual entry for now (price of holdings updates daily). Automated brokerage sync is on the roadmap but not there yet. No mobile app yet either (being polished), web only for now.

Bank connections use certificate-based authentication, read-only access, no bank credentials stored on our servers. The app doesn't sell data, doesn't show ads, and is entirely self-funded.

I'm leading a small dev team based in the UK. We've been live outside the US for a few months, getting users and good feedback, and now exploring a US launch.

Looking for a few people in the US willing to give it a go and tell us what they honestly think. In return you get a lifetime free account if you want it.

Comment or DM me if you're interested.



Thanks in advance.

Not a YNAB replacement, but if you've outgrown envelope budgeting and want the full picture - need help, looking for US beta testers (lifetime free account)