YNAB 4+
Spend, save, and give joyfully
You Need A Budget LLC
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- Free
- Offers In-App Purchases
Screenshots
Description
Where does your money go? Frustrated you’re not getting ahead? Unsure about your future? You’re asking the right questions but the world thinks about money all wrong. You aren’t broke, but your money mindset is. It’s time to change your relationship with money.
You need a set of habits to change your mindset and behavior, until you are spending purposefully, saving aspirationally, and even giving generously.
YNAB has taught millions of people a set of habits to change their money mindset for good. As the habits become second nature, you’ll stop fighting about money, make better decisions, and sleep better at night. Are you ready to feel confident and secure about your money (and so much more)?
Start your one-month free trial today!
Features:
-Built for Partners & Families: A close-knit group of up to six people can share budgets (and dreams!) at no extra cost.
-Manage your Loan Payoff: Tackle debt by calculating the time and interest saved with every extra dollar paid.
-Expense Tracking: View changes to your budget in real time to simplify sharing finances with a partner.
-Goal Setting: Turn your dreams into categories, set spending targets, and visualize your progress as you go.
-Credit Cards: You'll always know whether you can pay off your credit card balance. If not, we'll help you make a plan to get there!
-Import Income & Expenses: Add transactions manually or securely link accounts to view your big financial picture in one place.
-Spending & Reports: See your spending averages (down to the cent) and your growing net worth in full technicolor glory by slicing and dicing your data.
-Privacy Protection: We don't (and won't) sell your data. We don't host in-app ads or pitch recommended products. It’s never been our thing. Ew.
-Resources Galore: Our award-winning support team is eager to answer your questions and a wealth of free resources, including live workshops, videos, written guides, and more
Testimonials:
"I never, 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
“Now that net worth is creeping upward, it’s such a relief. I’m sleeping better now. Our arguments about money have magically evaporated.”
-Jonathan, Former Mint User
"Three 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've been using YNAB for over two years, and my fiance and I will be paying for our wedding without any loans because of YNAB."
-@Thai_Jonny
Love how you spend and celebrate how you save. YNAB and its simple set of habits will help you spend purposefully, save aspirationally, and even give generously.
How do you want to spend your money, or more importantly, your life?
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
What’s New
Version 24.6.1
What’s new in iOS 24.6.1
This update might not burst with fireworks or confetti, but it's just as exciting—the thrill of spring cleaning, you know? We've been in full-on declutter mode, meticulously sprucing up the nooks and crannies of our app to ensure a smoother experience for you. Why not ride this wave of freshness? Take a moment to dust off your spending plan and give your categories a little springtime sparkle. It's all about starting the season fresh and organized!
Ratings and Reviews
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.
Most Used App Bar None
I am in YNAB many times every day (if but for a few secs to a minute or two depending on what I am doing). I have literally turned my life around with this app - going from being seriously in debt with barely any savings, to debt free (bar the mortgage) and regular savings and investments occurring on a monthly basis.
YNAB is much more than the application - it teaches you 4 vital rules: 1) Give every dollar a job 2) Embrace your true expenses 3) Roll with the punches and 4) Age your money and these four rules are what sets YNAB apart from all the other budgeting clutter out there.
You realise that you don’t need lots of accounts and multiple credit cards to “budget” - you can do all you need with as little as two accounts.
You learn debt snowballing to get rid of all of those extra credit cards and loans. And you can even play with your figures to work out where you might be in 6 months or a year or whatever period you choose to understand clearly how you can move the needle with your personal finances, build your personal wealth and get out of the pay check to pay check cycle.
My most recommended app - I simply could not live without it. 🏆
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!
App Privacy
The developer, You Need A Budget LLC, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer's privacy policy.
Data Linked to You
The following data may be collected and linked to your identity:
- Purchases
- Financial Info
- Location
- Contact Info
- User Content
- Identifiers
- Usage Data
- Diagnostics
Privacy practices may vary, for example, based on the features you use or your age. Learn More
Information
- Seller
- You Need A Budget LLC
- Size
- 128.8 MB
- Category
- Finance
- Compatibility
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- iPhone
- Requires iOS 16.0 or later.
- iPad
- Requires iPadOS 16.0 or later.
- Apple Watch
- Requires watchOS 4.0 or later.
- Languages
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English
- Age Rating
- 4+
- Copyright
- Copyright © 2024 You Need A Budget LLC
- Price
- Free
- In-App Purchases
-
- You Need A Budget Subscription $21.99
- You Need A Budget Subscription $144.99
- You Need A Budget Subscription $21.99
- You Need A Budget Subscription $144.99