About YNAB
YNAB is a budgeting app built on zero-based budgeting, where every dollar is given a job before it is spent. It is available as a web and mobile app and starts with a free trial.
What it does
YNAB asks you to plan spending for the month ahead, then tracks your accounts against that plan. When money moves or plans change, you shift it between categories instead of relying on one running balance. The goal is to help people spend with intention and build savings over time.
Key features
- Plan each month before you spend
- Assign every dollar to a category
- Add accounts and track transactions
- Move money between categories as plans change
- Free trial with no credit card needed
Who it's for
People who want more control over everyday spending, including those who find budgets hard to keep up with. It suits users willing to check in regularly and update their plan each month.
Pricing and good to know
YNAB starts with a free 34-day trial. After that, it is a paid subscription, and plan costs are listed on the pricing page. The company suggests it takes about 20 minutes to get started, and the method is built around a simple monthly routine.
Highlights
- Plan spending for the month before it happens
- Assign every dollar to a category
- Add bank accounts and track transactions
- Shift money between categories as plans change
- Try it free for 34 days without a credit card
