EveryDollar

EveryDollar is built around zero-based budgeting. The idea is to give all of your income a purpose (the same method the YNAB app uses). Some money might go toward everyday expenses, while another portion could be assigned to savings or debt.

Having zero dollars left to assign means that you’ve decided beforehand what all of your available income is supposed to accomplish during the month or year.

EveryDollar guides you through creating that plan and then lets you track your actual spending throughout the month. That way, you’ll know where your money is going and how much you have left before making any impulsive purchases.

The free version requires you to enter transactions manually. That takes additional effort, but manually recording a purchase can also make you considerably more aware of what you’re spending.