#Is you need a budget free trial
However, YNAB offers a 34-day free trial and a money-back guarantee. The biggest difference is the price: Mint is free, while YNAB costs $98.99 per year when billed annually. Mint provides access to your credit score for monitoring, while YNAB does not. Mint is also a bit more intuitive to use, while YNAB requires some learning. You can offset the price with how much you save: The average new YNAB budgeter saves more than $6,000 in their first year.īoth apps synchronize with your bank accounts to track your transactions, but Mint is more about keeping tabs on your finances whereas YNAB is dedicated to changing your spending and saving behavior. If you want to stay on the same page with your partner and make big changes to your everyday spending habits, you may want to spring for YNAB. If you’re looking to analyze your accounts so you can create some savings or budgeting goals, Mint will probably be sufficient for your needs. We reviewed both based on budgeting features, costs, reporting features, device compatibility, and extra features. If you’ve been struggling to pay down debt or make ends meet, a money management and budgeting app like You Need a Budget (YNAB) or Mint could be what you need to reach your financial goals.Īlthough the apps are similar, Mint is free and better for those who want automated budgeting options, whereas YNAB works best for users who want to take a more active role in their finances and are willing to pay for the service. Read our advertiser disclosure for more info. We may receive compensation if you visit partners we recommend. We recommend the best products through an independent review process, and advertisers do not influence our picks.