YNAB 3 is the newest reincarnation of You Need A Budget, and it’s much anticipated. Money Management Software For The Desktop: YNAB 3 Review If you check Amazon ratings, you’ll find that YNAB smokes Quicken in the rankings and positive feedback. However, I’d like to bring up a lesser known desktop budgeting product that I’ve actually written about before called YNAB or You Need A Budget, which is a great alternative to Quicken. The dominant product in the market right now is Quicken software, now that Microsoft Money has been retired. If you prefer to do your money management transactions in your own personal “space”, then a desktop tool may suit you better. But a lot of the free financial tools are browser based, and while there are certainly a lot of people who are mighty fine with having their information stored and transacted via the web, there are still those folks who are more comfortable with desktop tools, especially when it comes to managing their budget or net worth. There are a lot of great budgeting software products in the market, many of them free.