Any opinions, analyses, reviews, ratings or recommendations expressed in this article are those of the author alone and have not been reviewed, approved or otherwise endorsed by YNAB. Information is accurate as of July 18, 2022.Įditorial Note: This content is not provided by YNAB. YNAB offers a free 34-day trial for new subscribers. These videos will teach you the proven formula for less money stress. Learn the 4 Rules of Budgeting Start with our proven set of four simple rules. YNAB users pay $14.99 monthly or $98.99 annually. Follow our proven formula of four simple rules to make your money last.According to YNAB user reviews, the YNAB four-step budgeting method helps many people successfully gain control of their budget. Part of what makes YNAB so popular is that YNAB is both a budgeting app and a budgeting method.The biggest con is that it does require a monthly or annual subscription. Try the 50/30/20 rule as a simple budgeting framework. It is one of the few budgeting apps that can be used on Apple, Android and Amazon devices. Calculate your monthly income, pick a budgeting method and monitor your progress. Perhaps the biggest pro to YNAB is that it is both a budgeting app and a budgeting philosophy that helps users not just budget their money but get control of it.Even if a user only saves half these amounts, they would save more than enough to cover the cost of a $14.99 monthly or $98.99 annual subscription. According to YNAB, new users save an average of $6,000 during their first year and an average of $600 during the first two months.Here are some quick answers to commonly asked questions about the YNAB app. The handy loan calculator can motivate users to pay off debt more quickly by calculating how much interest additional payments can save.The reporting feature provides a snapshot of a user’s spending and net worth.Goal tracking allows users to create and track financial goal categories.Financial accounts can be securely synced with the app, enabling users to view their complete financial picture.YNAB boasts the following features commonly found in many budgeting apps: This pricing may seem steep to some, but YNAB users do not have to deal with ads or third-party product recommendations on the platform. Once the free trial ends, YNAB users pay $14.99 monthly or $98.99 annually, plus applicable taxes, for use of the app and access to the YNAB community and live financial classes. A credit card is not required to sign up for the free trial. Here’s how it works: All the money going out should be the same amount as the money coming in. And when you stick to it, you’ll hit your money goals in no time. It’s your financial game plan for the coming month, every month. YNAB offers a free 34-day trial for new subscribers. Zero-based budgeting is the proven method for budgeting. The YNAB platform is built on the same technology used by many government agencies, and user data stored on the YNAB servers is also encrypted. YNAB uses 128-bit encryption and bank-grade security to protect user data as it’s transferred between the YNAB app and financial institutions. GOBankingRates gave a 4.6 overall score for the following features used for this You Need a Budget review.
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