![]() PocketSmith started out as a calendar to plan upcoming income and expenses. The cost is the biggest downside to YNAB. After that it costs $11.99 a month or $84 a year for the annual plan. Access to real-time information, from any device, anytime.It’s not useful as an investment tracking app, however. The tool makes it easy to budget by category based on the money you actually have in the bank. YNAB’s interface is similar to a spreadsheet. YNAB is ideal for those looking just for a budgeting tool. You Need a Budget (YNAB)–Best for budgeting FREE APP FOR BUDGETING IN. MINT FREEYou can try Simplifi free for 30-days, then the cost is as low as $2.99 a month.
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