Spend, save and give joyfully

You Need A Budget LLC

    • 4.8 • 2.4K Ratings
    • Free
    • Offers In-App Purchases


Where does your money go? Frustrated you aren’t getting ahead? Entirely unsure about your future? You’re asking the right questions but the world has taught you to think about money all wrong. You aren’t broke, but your money mindset is. It’s time to change your relationship with money and enjoy your spending.

Don’t settle for a life of constantly second-guessing your spending decisions, your progress, and your future—trapped somewhere between defeated, embarrassed, and overwhelmed. There is another way.

You need a set of habits to change your mindset and your 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 relationship with money for good. As these habits become second nature, you’ll stop fighting about money, make better decisions, and sleep better at night. Confident, secure — are you ready to feel this way about your money (and so much more)?

Start your one-month free trial today!

Key Features:

Built for Partners and 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 & Net Worth 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, video courses, written guides, and more.

Customer Testimonials:

"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

“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 in 23 days 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 or 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.

Terms of Use:

Privacy Policy:

What’s New

Version 24.2

What’s new in iOS 24.2

YNAB’s off to the spa! We’re polishing our pixels, massaging our code, and injecting some bug fixes to keep the app running as nimbly as possible. Consider this release a mini-retreat for your finances—relax, refresh, and get ready to tackle your spending plan with renewed vigor!

Ratings and Reviews

4.8 out of 5
2.4K Ratings

2.4K 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.

iBadger1972 ,

Game Changer

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

Ellen Powell ,

Life changing

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!!

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 based on, for example, the features you use or your age. Learn More

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