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YNAB vs MyBudgetCoach

Which budgeting app is right for you?

What we like about YNAB...

YNAB (You Need a Budget) is a great zero based budget app. Users are encouraged to follow the "Four Rules" to get control of their finances. We especially like Rule #1: "Give Every Dollar a Job." YNAB helps users make a plan for their money BEFORE they spend it. They have a web experience as well as iOS and Android apps. In a world full of budgeting apps YNAB stands out for its fanbase, smart handling of credit cards, and methodology.

Where MyBudgetCoach can be a better choice...

Not every user finds YNAB easy to pick up. There tends to be a steep learning curve when using a new budgeting app. Zero based budgeting in particular can take a while to adjust to. YNAB offers a directory of coaches to help with this. But these coaches aren't a part of your holistic experience from start to success. MyBudgetCoach is similar to YNAB in many ways. The key difference is the emphasis on CONNECTION to a real life coach from Day 1. This is achieved through avatar conversations, secure messages, and videos calls.

How do they stack up?

YNAB

MyBudgetCoach

Zero Based Budgeting

Bank Sync*

Web Access

Mobile Access**

Multi-Month Budget View

Rollover Negative Balances

Built In Coaching Features

Yearly Price

$110***

$99

*Bank sync on MyBudgetCoach uses SimpleFIN which costs $15/year.
**Mobile access on MyBudgetCoach is via a mobile website that can be saved to your home screen.
***YNAB's yearly price will be increasing from $99 to $110 in August 2024.

Which app should you use?

Both YNAB and MyBudgetCoach offer excellent budgeting experiences. If you are pretty tech savvy and confident in your ability to learn a new skill on your own YNAB would be a great choice. If you are looking for more guidance and encouragement as you tackle your finances MyBudgetCoach is for you.

MyBudgetCoach's 35-Day Free Trial
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Adam smith

Getting Started With MyBudgetCoach

Step 1: Pick Your Coach

Our professional budget coaches are here to help. You'll get to pick the coach that resonates with you most. Check out some of our coaches below or browse the full directory.

Step 2: Build Your Budget Together

Living by your budget is a mind shift change. You'll be glad your coach is just a message away.

Step 3: Craft The Life You Want

Make a plan for your money BEFORE you spend it. You'll be amazed what you can achieve.

Start My 35-Day Free Trial

What Is Your Money Personality?

Money is deeply personal. Our view of money is shaped by our personalities and life experiences. Knowing more about your view of money can help you lean into your strengths and shore up your weaknesses.

Take The Quiz
*Quiz takes less than 5 minutes.

Pricing

Plans that pay for themselves with all the money you can save.

Full Access

Everything you need.
$14.99/month
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35 Day Free Trial
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Virtual Coaching
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Browser & Mobile Website
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Bank Import
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Simple Goal Tracking
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Net Worth Tracking
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Basic Reports

1-on-1 Calls

Extra when you want it.
$34.99+/hour
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Encouragement
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Budget Tune-Up
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In Depth Advice
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Premium Guided Setup
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Personalized Help
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Subject To Availability
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Prices Vary Per Coach

Full Access

Everything you need.
$98.99/year
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35 Day Free Trial
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Virtual Coaching
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Browser & Mobile Website
check icon
Bank Import
check icon
Simple Goal Tracking
check icon
Net Worth Tracking
check icon
Basic Reports

1-on-1 Calls

Extra when you want it.
$34.99+/hour
check icon
Encouragement
check icon
Budget Tune-Up
check icon
In Depth Advice
check icon
Premium Guided Setup
check icon
Personalized Help
check icon
Subject To Availability
check icon
Prices Vary Per Coach