I'm curious if anyone is using any budgeting apps or software. I'm using mint currently and it works pretty well but I'm curious what is out there. I'd like something that has a digital "envelope" system. I am definitely a cash and envelope budgeter but more and more everything is going cashless. I tried YNAB (you need a budget) but didn't really get it set up, it was too complicated. Ideally my bank would let me have multiple savings accounts (I know PNC, USAA and Sofi do this) but I don't want to move banks again. Anyone have something you like? Even better if it's free!