Of 60 answers

The most named companies in the study, and S&P 500 financials, with how many of their 60 AI answers named them.

SWIFT47/60TRANSUNION46/60EXPERIAN42/60COINSTAR41/60NAVY FEDERAL CREDIT UNION41/60ZELLE41/60BLOOMBERG L.P.38/60TRADINGVIEW38/60BANCO POPULAR DE PUERTO RICO37/60PAYPAL37/60VENMO37/60CHEXSYSTEMS33/60EQUIFAX33/60MORNINGSTAR32/60S&P GLOBAL31/60ALPACA MARKETS30/60COINBASE30/60PINWHEEL29/60STRIPE29/60XERO29/60ACORNS28/60AFFIRM28/60PAYFAST (PAYGATE)28/60PAYONEER28/60INTERACTIVE BROKERS26/60CHARLES SCHWAB19/60THE HARTFORD9/60MOODY'S21/60CME GROUP19/60ACCENTURE11/60CHUBB10/60MORGAN STANLEY6/60AMERICAN EXPRESS14/60SYNCHRONY FINANCIAL12/60FACTSET20/60NASDAQ19/60ALLSTATE11/60WELLS FARGO18/60PAYCHEX10/60ARES MANAGEMENT3/60
Rezolve Ai
MethodDemo
Back to the study
AI visibility statementFinance AI Visibility Study 2026Issued October 14, 2026
Account holder

YNAB

ynab.com

Personal finance and money appsBanking

Statement period
October 9, 2026
when the AI assistants were asked
Account no.
169 of 2,219
its rank by overall score
Place in its category
2nd of 30 personal finance apps
Closing balance

Named in

17of 60 answers

by 4 of 4 assistants

Statement note

What this means for YNAB

AI assistants name this personal finance app in 28.3% of answers, while the typical company in its sector is not named at all. Its overall score is 41 out of 100, ranking 169th of 2,219 companies. The website passes 6 of 14 technical checks for readiness with AI tools.

We asked 15 unbranded questions about its market, so no question mentioned YNAB by name. AI assistants named it in 17 of the 60 answers. Counting only how often it is named, it ranks 15th of 394 in its sector. The typical banking company is named in 0.0% of answers.

Overall score
41Overall score
  • Visibility26
  • Citations0
  • Sentiment85
  • Site quality73
  • AI readiness43
Summary of account
Named by AI in
28.3%
17 of 60 answers
Share of mentions
23.3%
of the mentions of it and its 5 peers
AI readiness
6/14
technical checks passed. Typical for its sector: 3
Rank in its sector
30 of 394
by overall score, where the typical banking company scores 28

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Line itemsSection 01

Every question, and where the company came up

YNAB came up on 6 of 15 questions. Open any window to read that answer.

  1. 01What are good non-digital alternatives to budgeting software?0/4
  2. 02Why isn’t my budget helping me stop worrying about money?0/4
  3. 03Are premium budgeting apps better than free budget planners?0/4
  4. 04Top-rated personal budgeting software for beginners in the US3/4
  5. 05Common reasons personal budgeting software fails to reduce overspending0/4
  6. 06Manual budgeting methods for reducing financial anxiety0/4
  7. 07How do envelope budgeting systems compare to zero-based budgeting tools?0/4
  8. 08What are the best budgeting apps for reducing financial stress?4/4
  9. 09How can budgeting tools help with unexpected expenses?0/4
  10. 10Is paying for personal budgeting software worth it for someone who struggles with money management?2/4
  11. 11Average price range for personal budgeting apps in the US3/4
  12. 12Are there affordable monthly subscription options for budgeting software?4/4
  13. 13Alternatives to app-based budgeting for people who want to control their spending0/4
  14. 14Spreadsheet-based budgeting vs dedicated budgeting software: Which is more effective?0/4
  15. 15What’s the best way to use a digital budget to improve financial habits?1/4
Total namedOpenAI: 4/15Claude: 4/15Perplexity: 4/15Gemini: 5/15All assistants: 17/60
named the companyanswered without naming itdid not answer

Columns, left to right: OpenAI, Claude, Perplexity, Gemini. Across the study, on 50% of the questions where a company is named, only one AI assistant names it.

Transaction detailSection 02

What Claude actually said

An answer that names the company

Claudenamed the company

“What are the best budgeting apps for reducing financial stress?”

I'll search for information about the best budgeting apps that can help reduce financial stress.Based on current research, here are some of the best budgeting apps for reducing financial stress:

Top Apps for Stress Relief

YNAB (You Need A Budget)

92% of YNABers feel less money stress since starting. It forces you to assign every dollar a job before you spend it—a method that directly combats financial stress by eliminating vague spending. It focuses on four rules to help you "age your money" (stop living paycheck to paycheck).

Rocket Money

Rocket Money scans your accounts for for …

The AI’s answer as we received it, shortened and not checked for accuracy.

PayeesSection 03

Where the mentions went

The companies these answers named, and how the mentions were split between this company and its peers.

Also named

CompanyTimes named
  1. 01
    PocketGuard
    16
  2. 02
    Goodbudget
    14
  3. 03
    EveryDollar
    12
  4. 04
    Mint
    3

Share of mentions

CompanyShare
  1. YNAB
    23.3%
  2. PocketGuard
    19.2%
  3. Goodbudget
    17.8%
  4. Simplifi by Quicken
    17.8%
  5. EveryDollar
    16.4%
  6. Mint
    5.5%
ReferrersSection 04

Websites the AI used as sources

How many times each website was listed as a source in these answers

  1. 01
    thepennyhoarder.com
    11
  2. 02
    experian.com
    11
  3. 03
    forbes.com
    10
  4. 04
    cnbc.com
    9
  5. 05
    kiplinger.com
    7
  6. 06
    nerdwallet.com
    7
  7. 07
    medium.com
    7
  8. 08
    envelopebudgeting.com
    6
  9. 09
    monarch.com
    6
  10. 10
    cnet.com
    5

YNAB is in the study as a personal finance app.

By assistantSection 05

Which AI assistants named the company

Answers naming it, out of answers received

Gemini
5/15
Perplexity
4/15
Claude
4/15
OpenAI
4/15
Market comparisonSection 06

How YNAB compares with all 2,219 companies

Every tower is a company in the study, taller for a higher overall score and lit where AI assistants named it. Its own group stays lit. Hover a tower to see it, and click to open it.

What makes up the score

Each part is scored out of 100.

Visibility
26

How often AI assistants name the company, and how that compares with its peers

Citations
0

How often AI uses the company's own website as a source

Sentiment
85

How positively AI describes the company

Site quality
73

How well built the website's own pages are

AI readiness
43

How easily AI tools can read and use the website

Visibility is calculated from the answers on this page. How the score is built.

Against its sectorSection 07

Compared with banking companies

394 companies in this sector. The gold tick on each bar is the typical company.

Overall score
41
Ranks 30 of 394. Typical company: 28
Named in answers
28.3%
Ranks 15 of 394. Typical company: 0.0%
AI readiness
43
Ranks 8 of 394. Typical company: 29
Against its categorySection 08

Compared with personal finance apps

30 companies in this category. The gold tick on each bar is the typical company.

Overall score
41
Ranks 2 of 30. Typical company: 29
Named in answers
28.3%
Ranks 5 of 30. Typical company: 4.2%
AI readiness
43
Ranks 2 of 30. Typical company: 29
AI agentsSection 09

Ready for AI agents

What this website publishes for an AI agent to read, use and pay through, on a scale of six levels.

  1. 0
  2. 1
  3. 2
  4. 3
  5. 4
  6. 5

Level 0: Not yet agent-ready. Agents struggle to find basic information about the site.

To reach level 1:
  • 2 of robots.txt, Sitemap, Link headers

Some checks could not run. With them, up to level 3 would be possible.

Can an AI agent check out here?

Not by itself. YNAB publishes none of the agent payment protocols we look for. An agent would have to click through the website like a person.

Agent payment protocols
  • x402Not present
  • MPPNot present
  • AP2Not present
  • ACPNot present
  • UCPNot present
Interfaces for AI agents
  • MCP Server CardNot present
  • A2A Agent CardNot present
  • Agent SkillsNot present
  • API CatalogNot present
  • llms.txtPublished
  • WebMCPCould not check
Show every check, for your technical team
Discoverability
52 of 100
  • robots.txtCould not check

    Publish a valid robots.txt with crawl rules and a Sitemap line.

    study: 86.1%
  • SitemapPartly met

    Serve an XML sitemap and reference it from robots.txt.

    study: 87.9%
  • Link headersNot met

    Send Link headers such as rel="api-catalog" or rel="describedby" on the homepage.

    study: 1.5%
  • DNS for AI DiscoveryNot present

    Advertise agent endpoints with SVCB records under _agents.

    study: 4.3%
Content accessibility
100 of 100
  • Markdown negotiationPassed

    Requests sent with Accept: text/markdown receive a markdown version of the page.

    study: 6.2%
  • llms.txtPassed

    An llms.txt that tells language models what the site offers.

    study: 31.0%
Bot access control
  • AI bot rulesCould not check

    Add explicit robots.txt groups for the main AI crawlers.

    study: 92.7%
  • Content SignalsCould not check

    Add a Content-Signal line for search, ai-input and ai-train to robots.txt.

    study: 2.3%
  • Web Bot AuthNot present

    Only relevant if you run your own agents or crawlers: publish a signing key directory.

    study: 0.3%
APIs, auth and MCP
0 of 100
  • API CatalogNot met

    List public APIs in a linkset at /.well-known/api-catalog.

    study: 1.3%
  • OAuth discoveryNot met

    Publish OpenID Connect or OAuth server metadata under /.well-known.

    study: 6.3%
  • OAuth Protected ResourceNot met

    Serve protected resource metadata at /.well-known/oauth-protected-resource.

    study: 5.3%
  • auth.mdNot met

    Publish an auth.md describing how agents sign in.

    study: 0.2%
  • MCP Server CardNot met

    Offer an MCP server and publish its server card under /.well-known.

    study: 0.8%
  • A2A Agent CardNot met

    Publish an agent card at /.well-known/agent-card.json.

    study: 0.2%
  • Agent SkillsNot met

    Publish a skills index with the main tasks agents can do.

    study: 1.0%
  • WebMCPCould not check

    Register key actions such as search or cart as WebMCP tools.

    study: 0.0%
  • ARD manifestNot met

    Publish an ai-catalog.json listing every agent interface.

    study: 0.2%

Score 43 of 100 · 67% of checks could run · checked on October 9, 2026 · www.ynab.com · 2,200 companies scanned

See how every company did, and how this was measured.

AI readinessSection 10

The checks behind the AI readiness score

6 of 14 passed. This list is for your technical team. The percentage is how many companies in the study pass each check.

These 14 checks ran during the audit and are what the AI readiness part of the overall score counts. The scan above ran later and is stricter on Link headers and Markdown, so a check can pass here and not there.

Show the 14 checks

Discoverability

  • Passedrobots.txt publishedstudy: 85.1%
  • PassedXML sitemapstudy: 79.4%
  • PassedHTTP Link headers (RFC 8288)study: 42.5%

Content Accessibility

  • PassedMarkdown content negotiationstudy: 7.4%
  • Passedllms.txt publishedstudy: 28.1%
  • PassedToken budget (page weight)study: 97.3%

Bot Access Control

  • Not metExplicit AI bot rulesstudy: 11.5%

API / Auth / MCP

  • Not metAPI Catalog (.well-known/api-catalog)study: 1.1%
  • Not metOAuth Authorization Server discoverystudy: 5.2%
  • Not metOAuth Protected Resource discoverystudy: 4.6%
  • Not metMCP Server Cardstudy: 0.2%
  • Not metA2A Agent Cardstudy: 0.0%
  • Not metWebMCP toolsstudy: 0.3%
  • Not metAgent Skills declaredstudy: 0.1%
AI crawlersSection 11

What AI crawlers may read (robots.txt)

This website sets no rules for any AI crawler by name, like 86% of the websites whose rules we could read. Every AI crawler follows its general rules.

Training AI

  • GPTBotpartly
  • ClaudeBotpartly
  • Anthropic-AIpartly
  • Google-Extendedpartly
  • Applebot-Extendedpartly
  • Meta-ExternalAgentpartly
  • FacebookBotpartly
  • Bytespiderpartly
  • CCBotpartly
  • Diffbotpartly
  • Omgilibotpartly

AI search

  • OAI-SearchBotpartly
  • Claude-SearchBotpartly
  • PerplexityBotpartly
  • Applebotpartly
  • Amazonbotpartly
  • YouBotpartly

Answering questions

  • ChatGPT-Userpartly
  • Claude-Userpartly
  • Perplexity-Userpartly
  • DuckAssistBotpartly
  • MistralAI-Userpartly

Read from the website’s own rules file (robots.txt). An asterisk marks a crawler the file names. The rest follow its general rules. “Partly” means only some pages are blocked.

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ShareSection 12

Share this result

Overall score 41 of 100 badge for YNAB

A badge of this result that you can show on your own website. Copy the code below.

<a href="https://aeo-audit.rezolve.com/us/finance/ynab.com"><img src="https://aeo-audit.rezolve.com/finance/badges/ynab.com.svg" alt="Overall score 41 of 100, Finance AI Visibility Study 2026" width="280" height="64"></a>
End of statement
All 2,219 companiesHow we measured this
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