YNAB

YNAB, or You Need A Budget, is the perfect app for those struggling with finances.

Creating a budget is hard, but sticking to it is even harder. YNAB tries to make both of these things easier than ever. With the app, all you need to do is enter the money you have right now and assign every dollar to the different categories you choose.

You can create as many categories as you want and fill them up however you want. However, the app also suggests that you focus on things that you will have to pay for in the future today. 

For instance, if you have a yearly subscription that you have to pay in December 2025, you can create a goal in YNAB, and the app will remind you to add money every single month. That way, when it’s time to pay for your subscription, you won’t have to worry about how you’ll get that money because you’ve been saving all year.

Besides tracking your expenses, you can also track your net worth and see your progress in real time. If you need help, the app comes with many different videos, articles, and podcasts to help you learn more about money and how to budget correctly.