YNAB is a web app and mobile app. It’s beauty is that it helps you look FORWARD, instead of tracking your PAST spending.
It’s not much use to see that you spent too much last month, again. Instead, YNAB helps you know what your average expenses are and lets you set aside meaningful amounts for each kind of expense = that’s what we call a BUDGET.
Yes, it has a cost. Yes, it’s ironic to spend money on a tool to save money. But here’s the thing: it really works! For me, it’s easily worth the cost.