YNAB for startup budgeting. Everything I've seen/used is for reporting, which is great to know where you're money has gone. YNAB (You Need a Budget), a service for personal budgeting, makes you assign dollars you have to various expense categories, including non-monthly expenses you may incur down the road. It's subtle shift from backward looking reporting to forward looking proactive assignment of dollars. Would be great if it also had device and subscription management so you knew which subscriptions you had, what was being renewed and when.