YNAB

YNAB

By You Need A Budget LLC

  • Category: Finance
  • Release Date: 2015-10-20
  • Current Version: 25.13
  • Adult Rating: 4+
  • File Size: 114.94 MB
  • Developer: You Need A Budget LLC
  • Compatibility: Android, iOS 16.0
Score: 4.80698
4.80698
From 55,652 Ratings

Description

Where does all your money go? Exactly where you tell it to! “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 If you’re like the average YNABer (just AVERAGE), you’ll save $600 in the first two months. And $6,000 in the first year. But you might experience something much more powerful than a growing bank account balance or paid off credit cards: 92% of YNABers report feeling less stressed since starting YNAB. “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. Every dollar represents you—it’s the product of your energy. You work too hard for all that to go to waste. We’ll show you how to give every dollar a job, so your paychecks are working toward your priorities and values, your wants and needs, your work and your play. Your money is your life. Spend it well with YNAB. Start your one-month free trial today! Features: BUILT FOR PARTNERS & FAMILIES -Up to six people can share budgets on one YNAB subscription -Simplifies sharing finances with a partner -Cheaper than couples counseling PAY OFF YOUR DEBT -Loan planner tool -Calculate time and interest saved -A debt-paying community to cheer you on IMPORT TRANSACTIONS AUTOMATICALLY -Securely link financial accounts to bring in transactions -Option to add transactions manually -Experience the oddly satisfying routine of categorizing transactions NO ADS -Privacy protection -No in-app ads -No third-party product pitching. Ew. VIEW YOUR FINANCIAL PICTURE ALL IN ONE PLACE -Net worth report -Spending breakdown -Income vs expense report SET & REACH GOALS FASTER -Track expenses -Set spending targets -Visualize progress as you go REAL HELP FROM REAL HUMANS -Award-winning support team -Free live workshops -Real people (who aren’t perfect either) “My wife and I can attest to the fact that the average budgeter saves around $600 in 2 months. We did! We love everything about YNAB except that WE DIDN’T START SOONER!!!!!!!!!” -Gideon, YNAB user since 2019 "I never, ever thought I'd see this, and yet here it is: CREDIT CARD BEAST DEFEATED!” -@taber “I’m sleeping better now. Our arguments about money have magically evaporated.” -Jonathan, YNABer (former Mint user) "My fiance and I will be paying for our wedding without any loans because of YNAB." -@Thai_Jonny “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 Your money is your life. Spend it well with YNAB. 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

Screenshots

Reviews

  • Worth the price

    4
    By kate473576
    The money I save tracking my expenses with YNAB makes it well worth the subscription. This app had better features than other budgeting apps I tried. I do wish it had an area for journaling about money goals and reflecting on specific expenses (not just overall spending).
  • Simply the best

    5
    By cb24242424
    It’s so simple to plan on the go. Love the app and the improvements they regularly make to it.
  • Love the tool hate the app

    2
    By Mebnn
    Someone thought it would be a good idea to make the app way less user friendly. It looks slick but stuff that used to take 1-2 clicks now takes 5-6. What a fail.
  • Great developers

    5
    By E irene
    Always reaching out and taking suggestions
  • Life Changing

    5
    By samlegjr
    This app will hands down change your life. It’s much more than an app, it’s a complete mindset. It’ll help you align your priorities. The YNAB team truly cares about their users and are always taking feedback to make it more enjoyable. Thank you YNAB.
  • Core good, the rest is fluff.

    1
    By ScoopskyPotatos
    Core product is good. Newer features are not useful for me. They still won't remember the last card/account based on the device. Two people using two devices shop at the same place have to continually "fight" over the remembered account, changing it back and forth every time.
  • Could be great, but lacking

    2
    By James12031
    They use Plaid to connect to banks and appear to consistently have issues syncing transaction data. Support will likely tell you to manually add transactions, but at that point, why not use a spreadsheet? Without automatic imports, the app is quite expensive for the limited feature set. I would recommend trying alternative apps first, especially before buying a yearly subscription.
  • WTH?

    1
    By tpt75
    I downloaded the app and opened it and it starts make me go though some ridiculous role play and I can’t skip it. I’m not 5 years old. Don’t do that to people. You’re wasting my time. I deleted the app.
  • Life Changing - Not Exaggerating

    5
    By MSECS5
    This month marks our 2nd anniversary using YNAB. It was recommended by a friend, and after more than a decade using quicken to track my spending, I decided to give it a try. It took a few weeks to really get the hang of it because I had to shift my thinking from looking back to what I’d spent to looking forward in planning my spending. About 6 months after becoming YNABers, my husband got laid off. After processing the shock and worry, we sat down together and looked at our YNAB plan, and cried with relief, thanking God for YNAB. We planned where his small severance payment would be used. We easily saw where we could move money around to cover more expenses. We saw where we could cut spending to stretch the money. Thanks to YNAB, we made it 4 months on my part-time salary and a little side work he picked up before finding a new job. We didn’t have to dig into our savings, and didn’t miss any bills. We even took a weekend vacation that was already planned and paid for, and non-refundable. We will never not use YNAB again. We have the app on all our devices, which sync seamlessly, so my husband and I are always in sync on our finances. We use the widget to watch our top categories like groceries. The YNAB team is making updates and improvements often. They have video resources (shout out to Hannah who feels like my BFF - Best Finance Friend) to teach you how to use their system. It really is easy once you have the right mindset for planning your spending. I’m addicted to the YNAB high I get every two weeks when I get to budget the paycheck that hits our account. It will change your life. I’m not exaggerating.
  • Credit Card Handling is Unnecessarily Confusing

    3
    By ReneAmat
    It’s great for making a set of goals and trying to follow them. But when it comes to tracking them, if you use credit cards, having so many different sources of data pulling from a single pool of hypothetical money can be kind of a nightmare. And if you make any mistakes trying to classify the strange organizational logic it uses for credit card payments, essentially everything breaks, with no simple way to fix it (that I can find). Pretty big bummer to pay for something that ultimately ends up being MORE work to fix than just manually copying details into a monthly spreadsheet would be.

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