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 2.15.1

What’s New in v2.15.1
Today’s release includes some infrastructure improvements that fall under the category of “nothing to see here.” But also some bug-fixes that fall under “you might have seen these”. With that, a few details:

• We fixed an issue that could crash the app when assistive technologies like VoiceOver or Voice Control were enabled.
• We also fixed an issue where the keyboard could cover text fields during sign-in (which, as you can imagine, was not at all helpful).
• And we fixed a bug where going back to a device or budget that hadn’t been synced in a while could cause scheduled transactions to enter the budget when they shouldn’t.
• Speaking of scheduled transactions, “Enter Now” wasn’t working correctly 100% of the time with scheduled transfers—but now it does.
• Also, we cleaned up some issues with the animations that happen when approving transactions.
• Finally, the new iOS 14 widgets are now longer cut off when Display Zoom is enabled.

Ratings and Reviews

4.8 out of 5
1.4K Ratings

1.4K Ratings

Juttley ,

By far the best app on my phone

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.

ChrisJ1972 ,

Has single handedly given me and my finances a new lease of life!

I had been using other apps to track my spending but had never budgeted like this!

YNAB allows you to get complete understanding of where you money is going and give it jobs .. You decide what the jobs are from bills that must be paid, savings.. pay off cards .. whatever it is set it up.. set budgets and goals and off you go!

I don’t have linked accounts being in the UK but don’t find that an issue as you can set recurring payments for your debits and enter as you go .. it works extremely smoothly .. Suddenly we have money (we don’t have more income) but we are prioritising smartly.. In January we already have a budget and a goal for next Christmas. Instead of managing outgoings reactively you can be be proactive .. It is a complete sea change in our money management .. To say I am a happy customer would be an understatement !

Muffmuch ,

Great but needs UK bank sync

Would easily get 5 stars if it updated automatically. Otherwise I think it’s the best money saving app&website I’ve used. I’ve saved so much money using it for the last 5 months and have committed to the yearly subscription as I think it’s worth it once you get the hang of it. Be prepared for it to take a couple of months to really get a saving habit formed and get the full potential out of it - you’ve got to put the work in.

Reviews online put YNAB always in the top 5, usually first or second and I agree. Tried them all and this works the best and they’ve updated a lot of the flaws recently.

I naturally keep a keen eye on my bank balances and I think that given it doesn’t yet sync to UK banks means that I have to enter everything manually. At first it’s a pain but eventually you get used to it. I actually use this app to have an up to date balance of my banks that don’t yet have instant banking and take days to clear a charge - so that is a benefit to entering manually.

App Privacy

The developer, You Need A Budget LLC, has 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 on, for example, the features you use or your age. Learn More


  • Family Sharing

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

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