YNAB is good within what it’s designed to do – budgeting. You have money coming in, guess how it needs to be chopped up, tweak as you go through the month (but going over in one thing means trimming off another), refine for next month. It’s good for getting you to plan quarterly/annual costs out of your monthly budget and I like it for being able to know what’s left for frivolous bike stuff after all the important outgoings are taken care of.
It’s not good at keeping an eye on savings, investments, that sort of thing – the focus is to concentrate on weeks/months, live within your means, build a surplus for rainy days. You can put that stuff in, but you’ll be updating it all yourself.
What Duane seems to be asking for is something like Mint in the US, which just pulls in transactions and tries to take a guess at what they’re for (the old Microsoft Money used to try to do the same thing).
In short, no there’s not – most UK banks prohibit you from doing so, and many now do 2 factor authentication that would stop anything like that working anyway.
http://www.sortmoney.com/blog/why-no-uk-mint-stay-clear-financial-aggregators/
