YNAB (You Need A Budget)

YNAB's zero-based budgeting methodology — assigning every dollar a job before you spend it — generates the strongest financial outcome improvements of any budgeting app. Independent research shows new users save an average of $600 in their first two months and $6,000 in their first year. At $99/year, YNAB pays for itself within weeks, outperforming #4 Acorns' 0.25% annual fee on assets for active budgeters.