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YNAB

A zero-based budgeting app that gives every dollar a job — a shared method for financial coaches and their clients to work from.

PaidSoftwareCoaching Tools
Visit YNABMonthly or annual subscription; free trial

What it is

Budgeting software built around a method: plan the money you have now, not the money you expect. Clients assign every dollar, track against it and adjust, and the method gives sessions a common language.

Best for

Financial coaches working on budgets, debt payoff and savings habits who want clients using one tool between calls.

Watch out for

The method has a learning curve and the first month feels like work. Budget a session for setup, and keep coaching separate from regulated financial advice.

Recommended for

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