Every app scored on the same public formula. No paid placement, ever.
Rankings Compare How We Score About Get matched
HomeBudgeting & Expense › YNAB

YNAB

From $109/yr · ranked #11 of 13
Reviewed by Rick Castro, Founder & lead analyst · Last updated July 2026
★ 4.8 / 5 · 58k user reviews · App Store + Capterra, cross-referenced · display-only, not part of the SoftwareScore
ValueEaseAutoLinkingReportsSecurityOwnership
65
SoftwareScore · ranked #11

The zero-based budgeting standard with a devoted following and a real method, powerful for gaining control, with a learning curve and no free tier.

Value (price vs capability) 5
Ease of use 6
Automation 6
Account linking 7
Budgets & reporting 8
Security & privacy 8
Data ownership / export 6

How this score is calculated →

Compare YNAB head-to-head

YNAB vs Monarch Money 75
A polished all-in-one budgeting and net-worth tracker that rose as the Mint successor, strong on reporting and account linking.
YNAB vs EveryDollar 60
Ramsey Solutions' zero-based budgeting app, simple and approachable, with bank syncing reserved for the paid Premium tier.
PocketGuard 67
A simple app built around one question, how much can I safely spend, with an 'In My Pocket' number and bill tracking.
Goodbudget 54
A digital envelope budgeting app built for hands-on, manual budgeting and syncing across a household, no bank connections by design.