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:

Privacy Policy:

What’s New

Version 2.13.3

What’s New in v2.13.3

• Improvements
We now only ask for access to the current location when choosing a payee instead of after the first login, and we improved the explanation of why you might want that.
We've made some design improvements when selecting and confirming the account you want to link to your YNAB account.

• Bug Fixes
It is now possible to dismiss the keyboard while covering overspending (previously, doing so would result in the category choice not sticking).

Ratings and Reviews

4.7 out of 5
752 Ratings

752 Ratings

Mighty-Midas ,

Just fascinating!!!

I have been using various types of personal finance software for over 5 years now. I have used Moneywiz, Debit&Credit, Quicken and mostly (2 years) Banktivity. All these apps are quite good at tracking expenses, creating reports and setting up budgets( not like in YNAB, YNAB's budgeting approach is completely different).

The predicament with all these apps is that they are tracking your expenses and telling you where you spent your money, but not helping you to change your spending habits. Because when you see $2,500 in your bank account, you tend to think that you have money to buy a new watch with $150. In reality, you don't have that $150 to buy a new watch, because that $150 needs to be spent on the quarterly electricity bill. YNAB is an amazing app, using envelop budgeting with the money in your bank account (not the money you are expected to earn in a month) as their primary method of money saving. Only Banktivity has this envelop budgeting like in YNAB. But the issue with Banktivity is clunky, complicated to set-up and it does not work smoothly all the time. Moreover, Banktivity does not have a proper mobile app. It works only on Mac and it is more expensive.

So I can keep going for hours... you get the picture. You should not be worried about its price because it is worth it.

DanielElkington ,

Best budgeting system

This isn’t just an app, but a whole philosophy of budgeting that actually works. Took a little while to understand it, but the best way to think about it is the way your Grandma might have budgeted 80 years ago. When she got paid, perhaps she took the cash and immediately put it into a set of envelopes - one marked “Groceries”, another marked “Mortgage”, another marked “Christmas presents”, another marked “Emergencies” and so on until all the money was in envelopes. That’s how YNAB works - take all the money you have and put it into envelopes. Can you spend more money than exists in one of the envelopes? Only if you take it out of another envelope. It’s a fantastic budgeting method as you quickly learn what your real priorities are and what you’re giving up if you decide to eat out instead of cooking at home. My wife and I use it together and just love it. Five stars. And the release notes after updates are a joy to read, which you can’t say of many apps!

Alan_James ,

Superb Application

Having previously purchased and used YNAB4 I had very high expectations for this application. It did not disappoint. The ability to update and monitor your budget from anywhere without having to install a companion program make this version fundamentally superior.

The ability to set funding goals is a nice touch albeit this is not difficult to do manually either. I would like to eventually see the automatic importation of transactions become available for Australian banks. However, having to enter transactions manually causes you to be significantly more aware of your spending. As such, I do not consider the lack of this functionality as anything but a very minor point.

I would recommend this software for anyone. It doesn’t matter what stage you are in financially, this application (and system) will help to improve not only your understanding of your financial situation, but also provide a systematic way of improving it.


You Need A Budget LLC
70.6 MB

Requires iOS 12.0 and watchOS 2.1 or later. Compatible with iPhone, iPad and iPod touch.



Age Rating
In-App Purchases
  1. YNAB Subscription $117.99
  2. YNAB Subscription $18.99
  3. YNAB Subscription $18.99


  • Family Sharing

    Up to six family members will be able to use this app with Family Sharing enabled.

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