YNAB
by YNAB
#3 in Budget & saveBest for habits
My pick if you want to change habits, not just watch spending. Its zero-based method takes effort but keeps you in control.
Not financial advice. Check fees and terms on the company’s site.
What’s good
- Zero-based method builds real habits
- 34-day free trial
- Help center and live hangouts
Heads-up
- Learning curve for new budgeters
- Pricier than most budget apps
The details
- Best for
- People who want to change money habits with zero-based budgeting
- Price
- From $14.99/mo (Monthly plan; $109 yearly)
- Free plan
- 34-day free trial
- Skill level
- Any level
- Made by
- YNAB
- Website
- ynab.com
- Price checked
- Sep 30, 2026
Where it ranks
- #3Budget & saveBest for habits
Compare with similar picks
| Rank in Budget & save | #1 | #2 | #3 | #4 |
|---|---|---|---|---|
| Price | From $14.99/mo | From $13/mo | From $14.99/mo | From $6.99/mo |
| Free plan | No | No | No | No |
| Best for | Couples and households wanting budgets, net worth and goals together | Apple users who want a polished, automatic budgeting app | People who want to change money habits with zero-based budgeting | Budgeters wanting a cheaper app with projected cash flow |
| Skill level | Any level | Beginner-friendly | Any level | Beginner-friendly |
| Start free trial | Start free trial | Start free trial | Try it |
Also in Budget & save
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From $14.99/moStart free trial