If you want one that’s just a budgeting tool with a simple user interface, you can do better. 5. Final verdict: If you’re looking for a free app that allows for customizing your budget and bank syncing, Mint is a great app. You Need a Budget has a unique approach compared to other budgeting apps. Before choosing the best budgeting and personal finance app for your needs, check out this comparison of two of the most popular. Many budgeting apps allow you to link bank accounts so the app can track where your money is going. Built on a philosophy of financial responsibility, this online app helps you learn about … You Need a Budget (YNAB) does this but … YNAB will match up imported transactions with those you enter yourself so your account balances are always accurate. Rather than relying on traditional budgeting buckets, you build your budget based on your income, giving every dollar a job in your budget. Unlike other apps, Goodbudget doesn’t have you sync bank accounts. It’s a tool for someone who is serious about improving their money management — so much that they’d pay for it. You Need a Budget: Best App for Personal Finance Junkies Easy-to-Use. That’s where a budget planner app comes to play. You Need a Budget is a useful app for zero-based budgeters who want to get their spending aligned with their financial goals. YNAB — which stands for “You Need a Budget” — has grown to become one of the most popular budgeting software packages available. 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). You Need a Budget has a cult-like following of die-hard fans who lovingly refer to the app as YNAB. If you’re a fan of other aspects of the YNAB brand, you’ll probably enjoy the YNAB app. If you're looking for an effective budgeting system, then YNAB may be the app you've been looking for. With an automated savings app, you could seamlessly stick to your financial goals, with complete efficiency. All you need is to download the app and sync it with your accounts, and you are all set to go! 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. 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. Goal Tracking Go beyond an expense tracker. Last but not least, using a budget planner app like Treubill is not a big task. You can! 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