Existing budgeting applications and calculators -- how budgetnow differs?

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A comparison with existing applications and calculators, and highlight key differentianing factors. Presently, people with regular income or salaries will immediately find mybudget useful.                                                                                                      
Existing applications and calculatorsmybudget
Typically aimed at accounting of existing expenses or spending – sum of income and expenses. Uses a bottom-up approach. Uses a top-down approach to draw a budget. The budget is based on standard guidelines and best practises from various governmental and financial institutions.
Require extensive input from the user to include most (all?) of expenses – time consuming!!! Requires only a few parameters.
Usually require a sign up or a downloading a spreadsheet.Needs no sign up for mybudget.
Integrate with 3rd party e.g. bank. Requires sensitive personal information and poses a risk of breach. No sensitive information needed.
Offer little to reduce expenses.Offers tried and tested methods to reduce expenses.
Offer little to utilize surplus cash.Offers suggestions for investments based on the amount of surplus cash.
Usually no estimates on gross income.Estimates your gross income.
Usually no estimates on tax returns. Estimates your tax returns.
Shed little light on your income compared to other Canadians. Identifies your income bracket in Canada.

Let's do a budget!!!

Non-exhaustive list of existing budgeting applications and calculators

1. Canada Mortgage and Housing Corporation (CMHC): Are You Financially Ready?
2. CMHC's Current Household Budget
3. CMHC Homebuying Step by Step
4. Td MySpend app
5. Financial Consumer Agency of Canada
6. Mint
7. CMHC Household Budget Calculator
8. BudgetPulse
9. RBC Budget Calculator - Manage Your Debt Effectively
10. BudgetTracker
11. YNAB
12. AceMoney
13. MoneyStrands
14. PocketSmith
15. You can deal with it!