# YNAB: how AI models rank it, November 2026

Gane Index, November 2026 Edition. Named in 5 judge labels across 1 category by 5 of 14 models. Page: https://www.gane.ai/index/hr/vendors/ynab

## Standing by category

| Category | Share | Rank | Negative rate | Labels |
|---|---|---|---|---|
| [Financial wellness platforms](https://www.gane.ai/index/hr/rewards/financial-wellness-platforms/index.md) | 0% | 19 | 0% | 5 |

## What the models said for it

- "Safe & Free: Stick to tools with established reputations like YNAB, Mvelopes, or bank-owned tools like Chime or Capital One 360." (Qwen 3.7 Flash, Financial wellness)
- "For budgeting, consider Mint (now part of Intuit) or YNAB with strong user bases." (Grok 4.20, Financial wellness)
- "YNAB (budgeting — strong reputation, paid but clear)" (DeepSeek V4 Flash, Financial wellness)

## By model

| Model | First choice | Alternative | Mention | Warning | Labels |
|---|---|---|---|---|---|
| Claude Haiku 4.5 | 0 | 0 | 1 | 0 | 1 |
| GPT-5.4 mini | 0 | 0 | 0 | 0 | 0 |
| Gemini 3.5 Flash | 0 | 0 | 1 | 0 | 1 |
| Perplexity Sonar | 0 | 0 | 0 | 0 | 0 |
| Grok 4.20 | 0 | 1 | 0 | 0 | 1 |
| Mistral Small | 0 | 0 | 0 | 0 | 0 |
| DeepSeek V4 Flash | 0 | 1 | 0 | 0 | 1 |
| Llama 4 Maverick | 0 | 0 | 0 | 0 | 0 |
| Qwen 3.7 Flash | 1 | 0 | 0 | 0 | 1 |
| Kimi K2 | 0 | 0 | 0 | 0 | 0 |
| GLM 4.7 FlashX | 0 | 0 | 0 | 0 | 0 |
| MiniMax M2.5 | 0 | 0 | 0 | 0 | 0 |
| GPT-6 Luna | 0 | 0 | 0 | 0 | 0 |
| Muse Glimmer 30B | 0 | 0 | 0 | 0 | 0 |

## Sources returned with these answers

The sites and pages cited by the answers that named YNAB, from 5 of the 6 answers that named it (only the models that return a source list).

### Domains cited

- bbb.org: 2
- ftc.gov: 2
- adp.com: 1
- airwallex.com: 1
- apps.apple.com: 1
- brightplan.com: 1
- cambioml.com: 1
- capterra.com: 1
- cash.app: 1
- consumerfinance.gov: 1

### Pages cited

- https://ftc.gov/industry/finance: 2
- https://adp.com/resources/articles-and-insights/articles/f/financial-wellness-tools.aspx: 1
- https://airwallex.com/en-sg/pricing: 1
- https://apps.apple.com/gb/app/money-advisory-centre/id6450699363: 1
- https://apps.apple.com/ke/app/power-financial-wellness/id6471488866: 1
- https://apps.apple.com/us/app/monarch-budget-track-money/id1459319842: 1
- https://bbb.org/scamtracker/lookupscam/1368733: 1
- https://bbb.org/us/ca/covina/profile/financial-services/albert-1216-761111/complaints: 1

## Record

- Method: https://www.gane.ai/index/hr/methodology
- License: CC BY 4.0. Cite as Gane Index, November 2026 Edition, www.gane.ai/index/hr.