YNAB

YNAB (You Need a Budget) is a budgeting platform that allows users to manage their finances using a zero-based budgeting approach, where every dollar earned is allocated to a specific purpose. It guides users to proactively plan their spending by setting spending limits for each expense category before they receive their next paycheck. The platform also allows for automated bank account linking, multi-category expense tracking, savings goal setting, loan calculators, and reporting tools to analyze spending habits (i.e., spending and net worth reports).

YNAB provides budgeting and financial education as a financial wellness offering to employers for an annual subscription of USD 98.99 per year, per employee on a prorated basis. It also offers employers a customized pricing option with additional features such as workshops, events, and employee engagement plans.

The platform provides budgeting tools and financial advice to users via a direct-to-customer approach, charging a monthly subscription fee in the range of USD 8.25–14.99 per month. Users can also share budgets with up to five other people, making it suitable for household budgeting, partners, and other close-knit groups.

Key customers and partnerships

YNAB has partnered with various financial institutions, including over 12,000 banks, to facilitate secure bank account linking for seamless transaction imports. The company leverages partnerships with data aggregators like Plaid, TrueLayer, and MX to enable this functionality.