YNAB vs Zeroed

Have you ever worried about money? You are not alone. Download YNAB, get good at money, and never worry about money again. “We started YNAB January 1st with $37 saved and ended the year with $42,000. Plus we paid $14,000 cash for a new roof.” -Kyle, YNAB user since 2020 Start your free one-month trial and stop feeling like you’re bad at money. “YNAB has removed the stress of money from my life and in doing so has helped make me a better husband. It's like I got to remove a personal flaw I had never been able to fix." -Kyle, again. We didn’t even pay him to say this, but maybe we should. Why YNAB? -92% of YNAB users report feeling less stressed about money since starting. -The average user saves $600 in the first month, and $6,000 in the first year. “A year of YNAB costs less than a massage and is a heck of a lot better for reducing stress.” -Kat, YNAB user since 2016 Benefits and Features STOP ARGUING ABOUT MONEY …and start planning your life, together -Create and share unlimited plans with up to six people with one subscription -Real time updates between devices make it easy to keep everyone informed -Cheaper than couples counseling STOP DROWNING IN DEBT …and start seeing progress with your paydown -Make a plan to pay down debt by calculating time and interest saved with the Loan Planner -Avoid new credit card debt with YNAB’s clever built-in spending categorization feature -Enjoy the benefits of a debt-paying community and resources STOP FEELING DISORGANIZED …and start feeling totally in control -Securely link financial accounts to automatically import transactions -Easily add transactions manually, if you prefer -Ask Siri to update your plan or provide expense category balances on the go START REACHING MORE GOALS …and stop thinking your future is limited -Keep your priorities and goals in focus -Visualize progress as you go -Watch your net worth climb START SPENDING CONFIDENTLY …and stop feeling guilt, doubt, and regret -Calculate your “Cost to Be Me” -Make a flexible, proactive spending plan -Always know how much you have to spend START FEELING SUPPORTED …and stop feeling like you’re alone in this -Talk to our “freakishly nice” award-winning support team (don’t tell them we called them freakish) -Become part of our community of genuine, amazingly supportive people who get it -Attend one of our live events to learn, share, play, and even get tattooed with like-minded getting-good-at-money people. (Seriously.) The first step of never worrying about money again is starting a free one-month trial. Are you ready to get good at money? (You seem ready! And we already really like you, so please join us.) Free for 30 Days, then Monthly/Annual Subscriptions Available Subscription Details -YNAB is a one-year auto-renewable subscription, billed monthly or annually. -Payment will be charged to iTunes Account at confirmation of purchase. -Subscription automatically renews unless auto-renew is turned off at least 24-hours before the end of the current period. -Account will be charged for renewal within 24-hours prior to the end of the current period. -Subscriptions may be managed by the user and auto-renewal may be turned off by going to the user's Account Settings after purchase. -Any unused portion of a free trial period, if offered, will be forfeited when the user purchases a subscription to that publication, where applicable. You Need A Budget UK Limited is acting as an agent of TrueLayer, who is providing the regulated Account Information Service, and is authorized by the Financial Conduct Authority under the Electronic Money Regulations 2011 (Firm Reference Number: 901096) Terms of Use: https://www.ynab.com/terms/?isolated Privacy Policy: https://www.ynab.com/privacy-policy/?isolated California Privacy Policy: https://www.ynab.com/privacy-policy/california-privacy-disclosure?isolated

Zeroed turns your balances, interest rates and monthly budget into a clear debt payoff plan. Compare strategies, simulate extra payments, and see exactly how today's choices change your debt-free date — before you make them. Know what to pay, and why Your plan tells you the one best move for this month — which debt, how much, and the reason — so you're never guessing whether to pay down the card or the loan first. See your debt-free date A month-by-month projection shows your balance shrinking to zero, with every milestone — each debt cleared, each payment released — along the way. Ask "what if?" - What if I paid £100 more a month? - What if I put a £1,000 windfall toward my debt? - What monthly budget clears everything by next August? - What would a new £4,000 loan actually cost me in interest? Every scenario shows the real impact — months sooner, interest saved — before you commit to anything. Find your perfect strategy Slide between saving the most interest and clearing debts the fastest, and watch your plan recalculate live. Or choose from five named strategies: Cheapest, Quick Wins, Fastest Closures, Cash Flow, or Balanced. Protect your 0% offers Zeroed watches every promotional rate and tells you plainly whether your current plan clears it before the standard rate kicks back in — and exactly what payment guarantees it does. Private by design No bank login. No account required. Your financial information stays on your device — never uploaded, never sold, never seen by anyone but you. Zeroed provides planning tools and estimates based on the numbers you enter. It isn't a bank, and it doesn't offer regulated financial advice.