![]() You may save enough money in that first month to cover the cost of an annual subscription. These prices are steep compared to the other apps, but the free 34-day trial makes it worth downloading. A monthly subscription for this app costs $14.99, or you can buy an annual subscription for $98.99. The biggest downside of the YNAB app is that it’s much more expensive than the other options on this list. You’ll learn how to create a budget that starts from scratch and is based on necessities instead of deducting money from your income. The concept is modeled after the zero-based budgeting system in which you have to assign a specific purpose to every dollar you earn. ![]() YNAB is not simply a method of recording your previously spent money but rather an opportunity to improve your future spending. What’s incredibly unique about the YNAB app is that it’s primarily focused on creating proactive budgets. Any events involving these accounts are automatically updated to the YNAB app and recorded into your budget plans. Another key feature is that you can sync your checking, savings, credit cards, loans, investments, and bills. ![]() You’ll be able to learn how to use the YNAB app more effectively and create budgets that can save you money much faster. For example, your YNAB account includes access to dozens of weekly workshops, hundreds of articles and guides, an online forum, and the YNBA podcast. The You Need A Budget (YNAB) app offers some of the most comprehensive budgeting features on the app store. ![]()
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