[mryan]

My bank (Netherlands) offers something like what you describe, and I would still prefer to be able to use services like Mint.

> Planning requires thought, so I'm skeptical that you can automate a budget and then have people follow it (unless it's a very lenient budget).

I agree with your point - your budget is specific to your situation, so you will still need to plan it yourself. But - once the budget is set up - don't you see some value in not having to update your spreadsheet and compare it to your bank statements? Or getting a notification on your phone that you are approaching the limit of your entertainment budget this month, because the system has tallied up how much you spent in the coffee shop?