You Need A Budget 4+
Spend, save, and give joyfully
You Need A Budget LLC
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- Free
- Offers In-App Purchases
Screenshots
Description
Where does all your money go? Exactly where you tell it to!
“We started You Need A Budget January 1st with $37 saved and ended the year with $42,000. Plus we paid $14,000 cash for a new roof.”
-Kyle, user since 2020
If you’re like the average You Need A Budget user (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 users report feeling less stressed since starting You Need A Budget.
“You Need a Budget 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 You Need A Budget.
Start your one-month free trial today!
Features:
BUILT FOR PARTNERS & FAMILIES
-Up to six people can share budgets on one 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 You Need A Budget except that WE DIDN’T START SOONER!!!!!!!!!”
-Gideon, 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, user (former Mint user)
"My fiance and I will be paying for our wedding without any loans because of You Need A Budget."
-@Thai_Jonny
“A year of You Need a Budget costs less than a massage and is a heck of a lot better for reducing stress.”
-Kat, user since 2016
Your money is your life. Spend it well with You Need a Budget.
Free for 30 Days, then Monthly/Annual Subscriptions Available
Subscription Details
-You Need a Budget 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://aus.youneedabudget.com/terms
Privacy Policy:
https://aus.youneedabudget.com/privacy-policy
What’s New
Version 24.22
What’s new in 24.22
We’ve squashed some bugs and closed some PRs so that you can keep aligning the way you spend with the way you want to live. Most notably, we’ve:
• Fixed an issue where the pills on the “Move Money” screen were itty bitty on iOS 16, so you can move money with confidence—and hopefully no squinting!
• Made an update so that Face ID and Touch ID continue to work as expected on iOS 18.
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
- 121.8 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 8.0 or later.
- Languages
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English
- Age Rating
- 4+
- Copyright
- Copyright © 2024 You Need A Budget LLC
- Price
- Free
- In-App Purchases
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- You Need A Budget Subscription $21.99
- You Need A Budget Subscription $179.00
- You Need A Budget Subscription $21.99
- You Need A Budget Subscription $179.00