YNAB (You Need A Budget)
Zero-based budgeting built around a method Budgeting
Disclosure: some links on this site are affiliate links. If you sign up through them we may earn a commission at no extra cost to you. Sponsored placements are labeled. Prices change; always confirm on the official site. Read more.
Overview
YNAB is a budgeting app built around zero-based budgeting: you assign every dollar a job. It syncs with bank accounts or works with manual entry, and a single subscription can be shared with up to six people.
Best for
Hands-on budgeters who want a structured method to change spending habits.
Pros
- 34-day trial without a credit card
- One subscription covers up to six people
- Free year for verified students
Cons
- No permanent free tier
- Annual price is higher than Copilot, Monarch and Simplifi list prices
- Method requires active involvement
Key features
- Zero-based budgeting
- Bank syncing and manual entry
- Goals and reports
- Subscription sharing for up to 6 people
- Workshops and educational content