YNAB (You Need A Budget)

YNAB (You Need A Budget)

By You Need A Budget LLC

  • Category: Finance
  • Release Date: 2015-10-20
  • Current Version: 2.6.2
  • Adult Rating: 4+
  • File Size: 76.78 MB
  • Developer: You Need A Budget LLC
  • Compatibility: Requires iOS 10.0 or later.
Score: 4.5
From 6,480 Ratings


YNAB—Budget, Personal Finance, Expense Tracker YNAB will help you break the paycheck to paycheck cycle, get out of debt, and save more money. On average, new users save $600 in the first two months, and more than $6,000 in the first year. Try it free for 30 days. Key Features: Bank Synching—Easily connect all your accounts in one place. On the Go— Realtime access to all your data makes it simple to share finances with a partner. Debt Paydown—The tools and teaching you need to help you get out of debt for good. Goal Tracking—Set and track goals to reach them faster. Reporting—Detailed, visual spending and trend reports help you measure progress and improve. Personal Support—Our friendly support team is available around the clock via email, live chat in the app, and offer 100+ free, live workshops every week. Customer Testimonials: “YNAB is the first budgeting app I’ve ever used, stuck with, and that has made sense. Absolutely love it!” -- @brennandunn “I never, ever, ever thought I’d see this, and yet here it is: CREDIT CARD BEAST DEFEATED! Props to @YNAB which helped me get it done!” -- @taber “3 years ago I started with YNAB, the goal was paying off all my debt. With YNAB, I was able to double the goal! Bye, financial stress!” -- @HancinGaming “I just don’t know what I’d do without YNAB. I’ve never been so financially aware in my life.” -- @janejoneslives “I’ve been using YNAB for over 2 years, and in 23 days my fiance and I will be paying for our wedding without any loans because of YNAB. Thank you!” -- @Thai_Jonny You’ve Never Budgeted Like This Before YNAB is unlike any personal finance app, expense tracker, or money management system you’ve tried before—because it works. The powerful combination of award-winning apps and a proven method—YNAB’s Four Rules—has changed the lives of hundreds of thousands of people by teaching them to get control of their finances, stop stressing, and live the life they want to live. A Proven Method—YNAB’s Four Rules Rule One: Give Every Dollar A Job | Be intentional about what you want your money to do before you spend it. Rule Two: Embrace Your True Expenses | Break up larger, less frequent expenses into smaller, manageable amounts. By saving monthly for insurance premiums, holidays, or car repairs, when the time comes, your money is ready and waiting to do its job. Rule Three: Roll With The Punches | When life changes, so must your budget. Make adjustments and move along. Flexible budgets succeed because they’re guilt-free, realistic, and sustainable. Rule Four: Age Your Money | As you repeat the first three rules, you’ll increase the time between earning a dollar and the moment you need to spend it. When your money is at least a month old, you’ll have finally broken the paycheck to paycheck cycle for good. Free for 30 Days, Then an Annual Subscription Subscription Details - YNAB is a one-year auto-renewable subscription, billed 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. Terms of Use: https://www.youneedabudget.com/terms/?isolated Privacy Policy: https://www.youneedabudget.com/privacy-policy/?isolated



  • Horrible

    By AdamNaglich
    The concept is good, the execution is poor.
  • HUGE lifesaver!

    By Philip Serino
    I’ve been using YNAB for over a year now, and I so wish EVERYONE would have this budgeting app, I’ve been able to increase the age of my money almost a whole month since I started. It’s amazing how it feels when you are better in control of where your money goes 👍🏼 thank you YNAB!
  • Indispensable!

    By h@ppy user
    YNAB is the center of my personal financial management. It is truly a phenomenal tool and I can’t imagine managing my finances without it. The only reason I don’t give it five stars is that there have been persistent, long term problems direct importing transactions from one of my financial institutions that their direct import partners have been unable to resolve. I track my finances closely enough that entering transactions for this one account manually is no big deal, but the point is they offer direct import as a capability - and I pay for it - and for this one account, they do not deliver.
  • Perfect, BUT...

    By Zach888
    LOVE YNAB and this app. However... app really, really needs Touch/Face ID or PIN lock to prevent access by others when sharing phone.
  • #1 budgeting app/desktop

    By Cad Bane CM
    I rarely write reviews. Honestly, this is the first in over a year or so. I love how this app works, but it is far from perfect. There are a couple of designs I think they should implement from the desktop version and vice-versa (e.g., making the option on the desktop to consolidate an error in your amount available on your mobile app). A lot of it is merely some nitpicky things. The look of the app, the customer service, the resources the app offers to educate yourself on the program and the stress relief of knowing my spending is astronomical and are worth its cost. It also can be challenging to catch on and learn the program initially, but once you understand how everything works, you'll never regret it.
  • Great Functionality

    By canderson314
    The app is very straightforward and easy to use. You can’t see all the reports on the app (the income vs expense report isn’t available), but all the important stuff is there. One really good feature is that when you log a transaction it remembers the account, category, and payee, so logging transactions becomes super easy if you do it right away. Great app, great budgeting mentality (if it works for you).
  • I can’t live without YNAB anymore

    By FelipeCY
    I’ve been using for the past 3 years (give it or take, maybe 4?) and it has been up there on my top 2 tools-I-can’t-live-without. It has helped me through a lot - including a very demanding year.
  • I wish I’d YNAB’d 20 years ago!

    By Gio ✨🐒💖
    So happy to have this software. I’m teaching all my friends how to use it. It was hard at first, even tried 2x but quit and 3rd time I’m loving it. Thank you for creating this!
  • I ❤️ YNAB

    By Chili Barrel
    I’ve been using YNAB since it was a download-on-OSX app. The translation to an iOS app has been great for entering my purchases on the go. It’s not feature complete with the desktop experience... but they’re always iterating! When submitting feature requests, the support staff is always awesome.
  • near perfect

    By joser1223
    This app would be perfect if it had notifications that could let you know how much you had left on any category once a transaction came through.