YNAB follows a version of the zero-based budgeting method built around four ironclad rules: YNAB for Web (best for desktops and laptops).
The YNAB app comes in multiple iterations:
Spend a few minutes with it, and you just might be jazzed about budgeting. YNAB is renowned for its robust feature suite and intuitive, user-friendly interface.Īlthough it’s among the most expensive entrants on this list, you get what you pay for.
You Need a Budget, or YNAB for short, is a paid budgeting app that comes with a 34-day free trial and no-questions-asked money-back guarantee.
In 2003, when cloud-based budgeting was in its infancy and most budgeting software still came in a box, a joint study by researchers from the Federal Reserve Bank of America and the University of Kansas found that 46% of respondents used a spending plan or budget.