YNAB

YNAB

By You Need A Budget LLC

  • Category: Finance
  • Release Date: 2015-10-20
  • Current Version: 26.2
  • Adult Rating: 4+
  • File Size: 140.02 MB
  • Developer: You Need A Budget LLC
  • Compatibility: Android, iOS 18.0
Score: 4.79323
4.79323
From 58,286 Ratings

Description

Have you ever worried about money? You are not alone. Download YNAB, get good with 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 with 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) -Join workshops and attend live Q&A sessions -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-with-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 with 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

Screenshots

Reviews

  • Excellent budgeting method, slow UX

    2
    By Select User
    Update: This apps user experience is going downhill. Since OS 26, the amount of clicks to get things done is a lot more than it used to be. I’m pretty much resorting to using a desktop experience and not my phone. I understand some of this may be Apple’s requirements but if there’s any way to reduce the clicks and add multi-select options to things like assigning and categorizing, that’d be great. Also, I think the targets aren’t working currently. YNAB’s budgeting method is the envelope method with a unique “ready to assign” addition that makes it one of the best budgeting apps. It’s a learning curve, but helps users to understand what every penny is doing for them. The app itself is clean, has a light/dark mode option, and a few other options like icon and budget bar display choices. Even though the app looks somewhat basic, clicking longer over a budget unlocks all the detailed features like category activity and targets. You can also add accounts a sync them to your bank. This app is slower at syncing than other budget apps, but I’ve not found that to be an issue since you should be adding transactions manually to keep your accounts as up to date as possible.

  • Long time user

    5
    By Jim Russej
    I’ve been using YNAB since about 2008. I took a brief break from maybe 2009-2010 (not for technical reasons). I’ve been using it ever since. It’s saved my bacon about being on time and having cash aside for emergencies and unexpected events. It’s very useful, they continue to innovate, so it is worth the cost.

  • Great system, terrible connection consistency

    2
    By Nate5238
    I’ve been using YNAB for years. The system itself is great and super helpful for managing your financial life and bringing intentionality to spending. HOWEVER, the annual fee keeps increasing to support automated transaction pulls from 3P accounts. I’d be fine with that if it worked, unfortunately for Fidelity credit cards it’s extremely hit or miss and recently stopped working all together. There is a “status page” they had been posting updates on their progress to resolve, but recently stated “this is a long term issue.. we’re going to stop posting updates about this”. Basically a “pound sand” message to paying users. I wish they cared more about long term users vs just new user growth. Extremely disappointed

  • Long time user. Hate the Home Screen

    2
    By Stevensflight
    Have used YNAB since YNAB 4. Have made it through all of the updates and changes ok. But the Home Screen makes no sense to me. (And even less idea why the spending tab exists) I can’t find a purpose for it in my flow. Supposedly it is to make it more intuitive, I don’t need “more” intuitive, I need three tabs: plan, accounts, and reflect. Give the option to hide the home and spending tabs. And no matter what make an option to get rid of the red dot beside the home tab. I know that I have transactions to categorize. I will take care of them on my schedule. New users that import all of their banking may benefit from these changes. Old hands who manually enter everything seem to be finding them to be annoying and in the way. Also, the “fix” to have the app Open to the last used tab doesn’t work. I get the home tab smacking me in the face every time. My fix for this is to minimize my use of the app and just use the website. It works, but there are times the app would be useful to use, and I find myself skipping transactions just to wait until I am at my computer.

  • Wouldn’t recommend for cash payments

    1
    By You have to have a nickname
    Too complicated, takes forever to see the deposit made to account It has negative for debit so it makes it always feel like your doing something wrong

  • Hate the new app update

    1
    By Raytangerina
    Why is there spending and accounts? And a home page? This app is getting silly at this point. I miss when it was simple and $45 for the software. Too many bells and whistles at this point that just get in the way. I just want to track my spending with imported transactions into categories. I bet they will use this to raise the price again for features that are basically clutter. Can’t wait until Budget with Buckets catches up.

  • Was Blind But Now I See

    5
    By Banny Durgos
    For years now I have been trying to budget. I would make it to the drawing board and then immediately get overwhelmed and scrap my plan. Not only is YNAB functional, but once you get the hang of it, it is so intuitive. I have increased my net worth by 20K in 4 months, and know where every penny in my army of dollars is at any given point. I always tell people, “You can’t win a war if you don’t know where your soldiers are.” Thanks to YNAB… I no longer have that problem. Thank you! <3

  • Doesn’t work (currently!)

    5
    By TheReallyNerdyFox
    This app is amazing, and I was in love with it until I updated my phone to be a beta tester for iOS 26. It then does not get me pass the login screen! I was allowed to try YNAB RC as well, and that worked great, it’s just the main app that does not. Please fix this soon, and thank you for working hard! Edit: Turns out it was working flawlessly, I just needed the download the full release of the iOS update :)

  • The promo is a scam

    3
    By Bopafar
    The promo is a scam

  • Latest update

    3
    By Synn83
    UPDATE January 2026: YNAB is not as sleek or as quick to use as it once was. However, their customer service email staff did respond to my problem quickly and fixed my issue quickly. So the customer service was excellent. Now we just need the people in charge of the app design to get back to a philosophy of minimum taps to get to what you want and move the bloat off the front page and out of the budgeting process and into a different screen or remove bloat entirely. UPDATE September 2025: I just unsubscribed due to the latest update's obfuscating and time wasting nonsense. It's not about "MuScLe MeMoRy." It's about wasting my time and making it take more clicks and eye-tracking to accomplish simple tasks. App is even worse now. Been using this app for years, and it progressively gets more unnecessarily complex without adding any useful features. It takes EVEN MORE TAPS to do what you used to be able to do in one or two. Pointless sliders, affirmations, and other time consuming nonsense force me to spend more time on this app than ever before. Some idiot executive probably wants us spending all out time in YNAB, but the whole reason I liked it to begin with is because it made tracking my budget fast and easy. Way too much white space now. App is actually harder to read visually. Update 8/5/2021: PLEASE get rid of Ready to Assign. I will never use this, and it takes up space on the screen. I now have to scroll to after clicking an item to be able t see the item as I allocate money to it. To be budgeted was perfect. Stick with what works.

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