Have you ever worried about money? You are not alone.
Download YNAB, get good at 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 at 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-at-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 at 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
I first used YNAB about 5 years ago as a desktop version with mobile sync via Dropbox. We did so well using it that we were able to save and pay cash for a garage conversion into an office, about 10k worth of work. Then for some reason we stopped using it which was the worse thing we could have done. Since then our spending got out of control, we regularly had more month left than we had cash, meaning the credit card bailed us out until the next pay day. Started using it again this month and already we are seeing a massive difference again. This app is great for sorting you out and getting your priorities straight for your cash. Just this month alone we have put away 700 for a holiday at the end of the month, paid 500 towards paying off a loan, paid 300 towards a ski trip, put 200 into an emergency budget, put 500 towards Xmas and there is still money left over to meet our true expenses. In short, this app is just what you need to get your money sorted and get yourself into a great position where money is not a concern and causes you less stress.
Game Changer
iBadger1972
I have never saved well, spending the later part of my life bouncing debt from one place to another, never with a financial comfort zone. YNAB has changed all that! I never knew how much background anxiety comes from financially living hand to mouth but by following the easy steps to the best of my abilities, initially - then rigorously once the money started gathering in my account. I have not only freed myself up financially, I am happier, able to grab far more life opportunities & live in the moment far more of the time, and that is where all the good stuff is! I have just paid for a full ski holiday in Jan 2024 with money I have saved since 2020 (YNAB win)! and due to my diligence with my money I have also been able to purchase brand new ski ware to maximise my experience / enjoyment. And still my age of money is 200 days +. Anyone that stresses about parts of their life, check if the route is money management and if it is download this app and set yourself free. Thanks all at YNAB
Developer Response
Thanks for your review! I love how you mention that you are able to grab more life opportunities because of the hard work you've put into your finances. Enjoy that ski trip \- what a win!! \- Aubrey @ YNAB
Life changing
Ellen Powell
I can't tell you how much YNAB has changed my life, but I'm going to try. It took me a while to get use to it but that's because I thought I knew how to budget. In the end I started again with a couple of hours of free time and the YNAB video tutorials and help pages to hand. I've learnt how to budget, I can see where I am saving and spending money. I am completely in control of my finances and it feels amazing. For the first time ever the fog of budgeting and finance control has cleared. If you are going to budget then commit to it and do it whole heartedly. I have tried other platforms such as ibank and this is completely different. First it looks like it's designed by a human with a sympathetic touch. Once you have worked out the process it is all so clear. Invest time into learning g how YNAB works and trust me your financial planing will be rewarded. I can't recommend it enough. I don't work for them or know the developers!!
International users left in the cold. iPad app doesn’t have key features
Shad0wca7
YNAB switched to a subscription payment plan and ramped the price up significantly... yet the iOS app lags behind in some critical features and some important usability features are left out. I like YNAB, so much so that I think it’s changed my life for the better and I’ve bought a number of first years for friends and family as I believe in the methodology and your approach so much. However updates like “we’ve changed the colours on some things!” really do quite upset me. UK users have’t had the ability to auto-import ever. There’s no real excuse for this (I’ve read the forum threads and the dry responses offloading responsibility onto your bank account integrator). Your approach to this isn’t acceptable - it’s your responsibility to give feature parity to your paying subscribers on the same plan. In addition, simple things like having multiple currencies in a budget are not supported - this isn’t particularly difficult and surely adds more functionality than prettier colours. What I find particularly galling is the fact that you talk about how important reconciliation is and yet fail to provide this functionality within your iOS app - why? In order to do my budgeting, I need to use the iOS app and the web app (as the web app doesn’t work properly in safari in desktop mode on an iPad) simultaneously. I will be cancelling my account and stop buying licenses for friends and family if I do not this time see a more satisfactory response from you.
We've squashed some bugs and made a few improvements to make it easier than ever to get good at money. Notably: Current Goal just got more flexible! Categories with certain monthly, yearly, and custom targets now qualify, so it's easier to track the savings goal that matters most to you.
Version 26.20
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 based, for example, on the features you use or your age. Learn More
The developer indicated that this app supports the following accessibility features. Learn More
