A popular choice is budgeting app You Need A Budget (YNAB), which offers a 34-day free trial then costs $84 per year, or $11.99 per month. While the top-rated tools on this list come no cost to users, those who don't mind paying a premium have options for budgeting tools with more robust features. You'll also want to decide if you want to pay for a budgeting tool. Hands-on methods, such as manually enter your transactions into a spreadsheet, may take more time, but the process can help you be more thoughtful about your spending. ![]() That tool might be an already-formatted spreadsheet where you just plug in your transactions, or an app that auto-categorizes your spending for you.īecause different budgeting tools offer slightly different approaches to tracking your money, first decide how intentional you want to be. Security features include 256-bit bank grade encryption in a secure data center.App plans to launch a pandemic-inspired feature allowing people to prioritize “envelopes” based on their most urgent expenses, such as housing, utility bills, etc. ![]()
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