[jesse_cureton]

People have said it off and on through this thread, but the true differentiator for me has always been Goals + Expenses.

They account for the fact that money is fungible and the envelopes are "soft", but still provide a sense of autopilot and integration that I've never been able to get from Mint/YNAB.

You could set aside static "Goal" envelopes just to stash money away, or recurring "Expenses" funded every payday. Auto-deduct from both those sets based on vendor. All the while I could just peek at the app to see my "Safe to Spend" and know what money I could spend for fun with all my base expenses still accounted for. This also worked in joint accounts with my partner, making our shared budgeting trivial.

I will miss this app dearly - it really made a difference in how I manage my money.