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We all know that a good financial plan relies on careful budgeting. This is, however, easier said than done. Now, thanks to You Need a Budget (YNAB), the process is much simpler. Through YNAB, users can log into multiple bank accounts and track their income and spending.

With real-time budget information, YNAB encourages its users to prioritize their spending, acknowledge their expenses, reallocate budgets and grow their savings. The average budgeter saves $600 within the first two months and over $6,000 in the first year. Hopefully, this will offset the somewhat steep annual cost of $83.99.

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