But what the program allows you to do also, and what I thus do instead, is move the overage to the next month for the same category meaning I'll have to spend less in that category next month.

(For people who are in debt and who have no savings at all, this makes sense for me, I just put some less in savings that month). 'Every dollar a job' means that according to them, if I go over in one category during a certain month, I have to take it from another. I am not using it as per the instruction of the YNAB team. Definitely possible to put in multiple accounts (for me, 15+ and counting). It can help with the budgeting side of things and it will also help you track your expenses. I don't know whether it automatically downloads German bank information, though personally I feed in everything manually. I'm using YNAB, even when I'm not in debt.