June 17, 2026, 5:11 p.m. ET YNAB is a budgeting app based on the zero-based budgeting system, which assigns a job to every dollar. YNAB allows users to share an account with up to five other people at no extra cost. It is one of the more expensive budgeting apps and does not offer a free version, though a 34-day trial is available. YNAB, otherwise known as “You Need a Budget,” is a popular budgeting app built on the zero-based budgeting system.