If you're looking for an effective budgeting system, then YNAB may be the app you've been looking for. You Need a Budget is a useful app for zero-based budgeters who want to get their spending aligned with their financial goals. Many budgeting apps allow you to link bank accounts so the app can track where your money is going. Aptly called “You Need A Budget,” the service asks users to “give every dollar a job.” First, users are asked to set a budgeting goal, such as a vacation or education expenses. With an automated savings app, you could seamlessly stick to your financial goals, with complete efficiency. On the Go Real-time access to all your budget data across multiple devices means you can budget with a partner and always have the info you need to make good spending decisions. You Need a Budget has a cult-like following of die-hard fans who lovingly refer to the app as YNAB. Unlike other apps, Goodbudget doesn’t have you sync bank accounts. YNAB will match up imported transactions with those you enter yourself so your account balances are always accurate. Built on a philosophy of financial responsibility, this online app helps you learn about … The app allows multiple devices to access the same account, so partners and family members can share a budget. You Need a Budget has a unique approach compared to other budgeting apps. YNAB stands for You Need a Budget, and it's true: You do. Goal Tracking Go beyond an expense tracker. 5. That’s where a budget planner app comes to play. A budget is simply a plan for how to spend your money, consisting of different categories which represent all the things you need to spend your money on now (think: mortgage/rent, bills, debt) and where you hope to spend your money in the future (vacation, new car, savings, thing-you’ve-always-dreamed-about). Rather than relying on traditional budgeting buckets, you build your budget based on your income, giving every dollar a job in your budget. Final verdict: If you’re looking for a free app that allows for customizing your budget and bank syncing, Mint is a great app. If you want one that’s just a budgeting tool with a simple user interface, you can do better. Easy-to-Use. Last but not least, using a budget planner app like Treubill is not a big task. If you’re a fan of other aspects of the YNAB brand, you’ll probably enjoy the YNAB app. It’s a tool for someone who is serious about improving their money management — so much that they’d pay for it. You can! Before choosing the best budgeting and personal finance app for your needs, check out this comparison of two of the most popular. You Need a Budget (YNAB) does this but … YNAB, which stands for “You Need a Budget,” and Intuit’s Mint have grown to become two of the most popular online budgeting apps available. 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