YNAB encourages its users to “give every dollar a job.” This approach is commonly known as “zero-based budgeting.”  Tiller automates your daily spending, transactions, and balances into a spreadsheet to give you ultimate control over your budget. A Tiller Community Solution, called the Savings Budget, can be added on top of the out-of-the-box Foundation Template from Tiller if you prefer the envelope or zero-sum method.  It makes zero-sum budgeting in a spreadsheet easy. You can allocate unspent funds to any other category, such as “savings” or “vacation” and quickly see how much is left in your envelope. Learn more here. Also, because Tiller is based in spreadsheets, you can also build your own automated workflow customized for any budgeting style.