More than 100 educational workshops, plus a full-length book, complement robust desktop and mobile money management apps for individual and joint budgets. Unlike competing “set it and forget it” products that rely on extensive automation and don’t do much to teach their users about building sustainable budgets, YNAB is as much an educational resource as a practical one. In addition to the free trial period, student users enjoy this budgeting app free for 12 months.Īll things considered, this is a small price to pay for a steady hand on the financial till. Annual plan users pay $84 per year - a $59 savings - and can also cancel at any time. Monthly plan users pay $11.99 per month after a 34-day free trial period and can cancel at any time. YNAB: The BasicsĪfter a generous risk-free trial period, YNAB does require a paid subscription. Using the popular and reliable zero-based budgeting method and four simple rules for effective budgeting, YNAB empowers users to take control of their finances and keep more of their money where it belongs: in their pockets. Of these popular budgeting software programs, You Need a Budget (YNAB) is one of the very best. All represent an upgrade from old-school spreadsheets, which are time-consuming and tedious to maintain. More than a dozen legitimate alternatives to Mint offer a variety of takes on the budgeting process. If you’re in the market for a new budgeting tool, you have no shortage of choices.
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