YNAB (You Need a Budget) exists for the most dedicated of budgeters. With a subscription fee of $84 a year and a “zero-based budgeting” philosophy (i.e. they require the user to assign a purpose to every dollar they earn), this app is only for the truly committed.
However, if you do decide to take on the challenge, you stand to reap significant rewards. YNAB claims that their average customer saves $600 in their first two months and more than $6000 in their first year.
With a stellar reputation and money-back guarantee, YNAB is designed to break the cycle of living paycheck to paycheck, shepherding its users out of debt by offering a pro-active budgeting approach as opposed to the more common expenditure tracking model. They also offer extensive budgeting resources and customer support to help users achieve their goals.