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Bottom line: This paid budgeting app will show you how to manage your money better so you can put every dollar that you make to good use.
| iOS app rating | 4.8/5 stars |
|---|---|
| Android app rating | 4.8/5 stars |
| Cost | Free trial for 34 days. Then $14.99/month or $99/year. |
You Need a Budget (or YNAB) is a popular paid budgeting app. While some budgeting apps only show users what they've already spent, You Need a Budget focuses on zero-based budgeting. The app teaches you to put all of your money to use -- including using your money for expenses, paying off debt, and saving extra money.
You Need a Budget has four rules:
Once you follow these rules and adjust your money management habits, you'll have better control of your finances and be less stressed.
To get started using the YNAB app, you'll do the following:
It's a good idea to gather copies of your bills and financial records to ensure you note all of your expenses -- both regular and occasional expenses that you pay. It may also help you to look at past credit card statements and bank statements. While it takes time to get everything set up, it will allow you to use the app effectively.
For many, using this app will change their budgeting habits for good. Our detailed You Need a Budget review will better explain its top features and capabilities.
YNAB focuses on putting every dollar you bring in to work -- whether it's towards expenses, paying off debt, or adding to your savings. This zero-based budgeting approach will result in less wasted money and more money saved.
Many of the other best budgeting apps only send alerts that you've exceeded your budget after you spend the money. YNAB teaches you how to be in control from the start by budgeting your money for the whole month. That way, you can check each category and see if you have the funds to spend on a particular purchase. For many users, this results in making fewer impulse buys and makes managing personal finances easier.
You can feel comfortable using YNAB because it's a secure app. The company has password rules to help users create stronger passwords. All data is encrypted, and if an account remains inactive for a long time, the budget data will be deleted as an extra security measure.
When you use YNAB, you can connect and sync your financial accounts. This will make it easier for you to see where your finances truly stand. You also have the option to enter your financial details manually.
YNAB encourages its users to put every dollar to work. That means no money gets wasted, and extra money gets saved. Because of this, the app features goal-tracking tools. The app lets you set money aside for the following goals:
Keep Reading: YNAB vs. Rocket Money
The app's new YNAB Together feature allows members to share their budgets with others, making it easy to manage your finances as a couple or family. You can add up to five additional members to your group at no extra cost. This feature is unique for budgeting apps.
If you like to track your progress and also appreciate graphs and charts, then you'll enjoy the reporting features included in YNAB. Some of the reports that you can view include:
Using You Need a Budget regularly will cost you money, but you can take advantage of a 34-day free trial. This will allow you to test out all the YNAB budgeting features and decide if you want to commit to the subscription fee. The company also has a free Debt Boot Camp that you can do while you're on your free trial. Resources like this can help you prioritize your debt payoff goals.
RELATED: Want to eliminate your credit card debt quickly? Check out Motley Fool Money's guide on how to pay off credit card debt fast.
YNAB wants you to succeed with your budgeting goals. To help you improve your financial efforts, it offers multiple live educational workshops throughout the week, where you can learn more about budgeting, money matters, financial tips, and savings tips. These personal finance guides are something that competitor money manager apps don't provide, so it's a perk that stands out.
Make sure you're getting the best account for you by comparing savings rates and promotions. Here are some of our favorite high-yield savings accounts to consider.
| Account | APY | Bonus | Next Steps |
|---|---|---|---|
Open Account for SoFi Checking and Savings
On SoFi's Secure Website. 
4.90/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor |
up to 3.80%
Rate info
Earn up to 3.80% Annual Percentage Yield (APY) on one SoFi Savings account with a 0.70% APY Boost (added to the 3.10% APY as of 5/28/26) for up to 6 months. Open your first SoFi Checking and Savings account and receive eligible direct deposits OR qualifying deposits of $5,000 every 31 days by 12/31/26. Rates are variable, subject to change. Terms apply at sofi.com/banking#2. SoFi Bank, N.A. Member FDIC.
Min. to earn: $0
|
Earn $50 or $400 and +0.70% Boost on Savings APY with direct deposit. Terms apply.
Earn up to 3.80% Annual Percentage Yield (APY) on one SoFi Savings account with a 0.70% APY Boost (added to the 3.10% APY as of 5/28/26) for up to 6 months. Open your first SoFi Checking and Savings account and receive eligible direct deposits OR qualifying deposits of $5,000 every 31 days by 12/31/26. Rates are variable, subject to change. Terms apply at sofi.com/banking#2. SoFi Bank, N.A. Member FDIC. |
Open Account for SoFi Checking and Savings
On SoFi's Secure Website. |
Open Account for NexBank High-Yield Savings Account from Raisin
On Raisin's Secure Website.
4.70/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor |
4.15%
Rate info
Earn a guaranteed 4.15% APY for 90 days. After that, your savings keep growing at a competitive standard rate — currently 3.97% APY (subject to change). No minimum account balance required. Deposit or withdraw at any time with no additional fees. See product terms for complete details.
Min. to earn: $1
|
Earn up to $1,200 when you sign up and fund your account using code SUMMER26.¹
|
Open Account for NexBank High-Yield Savings Account from Raisin
On Raisin's Secure Website. |
Open Account for Happen Bank LevelUp Savings
On Happen Bank's Secure Website.
4.70/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor |
4.00% APY with $250+ in monthly deposits
Rate info
*LevelUp Rate of 4.00% APY applied to full balance with $250+ in deposits in Evaluation Period. Otherwise, accounts earn Standard Rate of 3.00% APY. LevelUp Rate applies to first two statement cycles. Rates variable & subject to change at any time. See terms: https://www.happen.com/legal/deposits/levelup-savings-t-and-cs
Min. to earn:
|
N/A
|
Open Account for Happen Bank LevelUp Savings
On Happen Bank's Secure Website. |
¹New customers only. Earn a cash bonus (the "Base Bonus") when you deposit and maintain funds with partner banks on the Raisin platform. Customers will receive a Base Bonus of $50 for depositing between $10,000 and $24,999; $125 for depositing between $25,000 and $49,999; $250 for depositing between $50,000 and $99,999; $500 for depositing between $100,000 and $199,999; and $1,000 for depositing $200,000 or more.
Customers may earn an additional bonus by setting up a recurring deposit within 14 days of their initial deposit (the “Recurring Deposit Bonus”). To qualify, the recurring deposit must be established within 14 days of the initial deposit date and it must execute at least two (2) times within 90-days of the initial deposit. Recurring Deposit Bonus eligibility is determined by your Base Bonus tier:
Customers are eligible to earn the Recurring Deposit Bonus associated with their Base Bonus tier or any lower Recurring Deposit Bonus tier. For example, a customer with an initial deposit of $200,000 (qualifying for the highest Base Bonus tier) whose aggregate recurring deposits total $500, is eligible for the lower tier and will receive the $50 Recurring Deposit Bonus. However, setting up a recurring deposit greater than your Base Bonus tier's required threshold will not qualify you for a higher Recurring Deposit Bonus.
The Recurring Deposit Bonus is paid in addition to the Base Bonus. To qualify for the Base Bonus and Recurring Deposit Bonus, your first deposit must be initiated between June 1, 2026, and August 31, 2026, by 11:59 PM ET, and the promo code SUMMER26 must be entered at the time of sign-up. Only funds deposited within 14 days of the initial deposit date and maintained with partner banks on the Raisin platform for 90 days will be eligible for the Base Bonus. Bonus cash will be credited directly to your Cash Account within 30 days of meeting all qualifying terms. This offer is available to new customers only and may not be combined with any other bonus offers. Raisin may modify or end this offer at any time and may withhold or revoke bonuses in cases of fraud, abuse, or violation of these terms or Raisin’s Terms of Service.
If you're looking for a free personal finance solution, this isn't it. The app offers a free trial, but you'll need to pay for it after the trial ends. Other free budgeting apps are on the market, and some paid apps cost less. Those apps may work for you if you don't have a lot of money to spend on paid apps at the moment. However, YNAB is packed full of features, and that may make it well worth the investment.
You Need a Budget takes time to learn. That's because the app has a unique approach to budgeting with its four rules in place. You'll need to spend time:
It also takes time to learn to follow your plan. If you're ready to make financial changes, this time will be well spent. Just don't expect to be able to set up and learn YNAB quickly.
If you're looking for a budgeting tool that will allow you to pay your bills, this isn't it. You Need a Budget will help you budget your bill expenses, but you'll have to pay them off the platform. Other personal finance apps, like Quicken, allow you to pay your bills within their app.
Monarch Money is a good alternative for anyone who already has a good handle on monthly payments and needs a robust, comprehensive, and customizable financial management tool.
For a limited time get 50% Off your first year with code MM50 at Monarch!
2026 Award Winner
Rocket Money is a good alternative for anyone looking for a budgeting tool that can help reduce unnecessary subscriptions, negotiate bills on your behalf, and monitor your credit.
2026 Award Winner
YNAB offers a free trial, which is valid for 34 days. After that, a membership costs $14.99 per month or $99 when billed annually.
You Need a Budget is a good fit for people ready to make serious financial changes. While this app comes at a price, it could help you improve your budgeting skills and ensure that you put every dollar you make to good use.
You Need a Budget is a paid budgeting app. You'll need to pay $14.99 monthly or $99 annually to use this tool. However, a 34-day free trial is available. The free trial allows you to test all the YNAB budgeting features before investing in a paid subscription.
You Need a Budget uses zero-based budgeting, which is a method that allocates every dollar to a purpose so you can put your money to good use as you learn new spending, saving, and debt payoff habits. Many other popular budgeting apps show you how you spend money after the fact. If you're interested in learning a new way to manage your money, YNAB may be a good fit for you.
Motley Fool Stock Disclosures
Natasha Gabrielle has no position in any of the stocks mentioned. The Motley Fool has positions in and recommends Intuit and Target. The Motley Fool has a disclosure policy.
