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YNAB is built to let you easily set aside funds for larger, infrequent bills. $600 car insurance premium due in six months? Budget $100 each month into your 'Car insurance' category...
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Bank2QIF is an useful utility to convert OFX,QFX,QIF,QBO,OFC files to QIF format.
Microsoft Money, YNAB and others
Bank2QBO is an useful utility to convert OFX,QFX,QIF,OFC files to QBO format.
Wave Accounting, YNAB, Simple Home
Bank2OFX is an useful utility to convert and combine bank files to OFX format.
online, AccountEdge, YNAB, Wave Accounting