YNAB offers a proactive budgeting approach, rather than tracking what you have already spent, like some competitors.Īfter signing up, you create your first budget and assign every dollar a purpose, like your rent or car payment, for example. To begin, the company suggests learning the basics about the app through video courses, a live workshop, or reading a guide.
YNAB offers the ability to sync your bank accounts, import your data from a file, or manually enter each transaction. If you prefer to pay less upfront, the cost is $11.99 per month. The company offers a free trial for 34 days (no credit card required), and after that, the cost is $84 per year. YNAB rises to the top of our list because of its budgeting philosophy.
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