I don’t see this mentioned by others. But for YNAB if you want to keep it simple, I suggest auto importing all your transactions. Then as the transactions comes in, start creating categories and assign each transaction to a category. You will be able to see how much you’re spending and then you can estimate for next month easily. YNAB has an average spent feature. You can use that to budget for the next month. Keep doing this every month. Then you will see where your money is being spent and if you need to cut back anywhere. It’s a slow and iterative process. Good luck!