Our verdict on YNAB
YNAB ranks #2 in our Budgeting Apps comparison with a score of 9.6/10 (outstanding). We named it Best Zero-Based in this category. In short: the gold standard for zero-based budgeting and behaviour change.
YNAB at a glance
Why it earned this score
Across our hands-on testing, YNAB stood out where it matters most for budgeting Apps buyers: give every dollar a job; excellent education content; loan and goal planners. The full list of strengths is above.
Who should choose YNAB?
YNAB is a solid choice for most budgeting Apps shoppers. If it doesn't fit, our Budgeting Apps comparison covers the alternatives we rate highest.
Our score combines hands-on testing, real pricing checks and our editorial assessment — see how we rate. Affiliate relationships never change a ranking.