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 30-day 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
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)
-Become part of our community of genuine, amazingly supportive people who get it
-Attend one of our live events to learn, share, play, and grow with like-minded getting-good-at-money people
The first step of never worrying about money again is starting a free 30-day 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 your Apple 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.
YNAB is an agent of Plaid Financial Ltd., an authorised payment institution regulated by the Financial Conduct Authority under the Payment Services Regulations 2017 (Firm Reference Number: 804718). Plaid provides you with regulated account information services through YNAB as its agent.
Terms of Use:
https://www.ynab.com/terms/?isolated
Privacy Policy:
https://www.ynab.com/privacy-policy/?isolated
U.S. State Privacy Notice:
https://www.ynab.com/privacy-policy/state-privacy-notice?isolated
Quite simply, the best app/system I’ve ever bought
Alistair_T
YNAB has completely changed my relationship with money. I’ve been using it for five years now and it have given me financial freedom. I have gone from living month to month, carrying debt and always counting the days to the next pay day, to someone who is 100% debt free (excl mortgage), with 5 figure savings and 5 figure investments. I’m a single parent and I earn a normal salary. I live the same lifestyle as before - minus wasteful spending - and now I’m just in control of my money and don’t have to worry about it. I really wish more people used a system like this - it would sort a lot of problems. I will use YNAB forever.
Developer Response
I love your review so much! Financial freedom, no debt, 5 figure savings \- amazing work!! We are so pleased to have you YNABing with us. Thanks for your review! \- Natalie @ YNAB
Brilliant Budgeting Assistant!
Captainpaddy
It’s hard to say how much of a difference this has made to us. It’s has made us so much more aware of where our money is going and we are putting away more than we thought possible for both future routine and non-routine plans.Putting away small amounts every month to cover infrequent bills is a revelation because you can see instantly where each euro is assigned to go. Car insurance, TV licence, quarterly bin fees, etc. just get paid without any hassle because the money had been building up for them slowly. It is so nice to pay bills like these and not have to ‘tighten up’ the budget that same month to make up for it.The Credit Card functionality works with YNAB. It’s not easy to get your head around by any means, but when you realise that credit and available funds are not the same thing it starts to click....Great app has actually changed the way we live and plan. Thank you YNAB!!
Changed my financial life and trajectory
Cathal meenagh
YNAB is amazing. Really gives you control over your money no matter what your income level is. By using YNAB for the past 18 months I have been able to fund significant family expenses like college and private school and pay outright for holidays as well as pay off my credit card with out any additional debt. Also I have the biggest balance in my current account that I have ever had and now I am finally a month ahead giving me much more financial security. I highly recommend it to anyone.
Developer Response
Hi Cathal. Congratulations, those are huge accomplishments! It sounds like you really put YNAB to work to achieve some great financial wins. 🤩 Thanks for taking the time to share your review with us! \- Jill@YNAB
Life-changing
deandramaturg
I first discovered YNAB when I was finishing my doctorate, and it is one of the few apps/subscriptions that has had a transformative effect on my life. My husband and I started to learn how to use it at the same time, and it gave us a shared language and toolkit to navigate difficult financial moments, and to plan for important and exciting life events. It’s seen us through scary times, made once-in-lifetime trips possible, and helped us buy our house. I always say that YNAB makes dreams come true, and keeps nightmares at bay! I am profoundly grateful for YNAB.
Life is short, spend it well. Here’s how we’re helping you this week:
• Got a new iPhone Duo? Your plan unfolds right along with it. We’ve tuned the app for both the outer screen and the larger inner display, so everything fits, however you choose to position it.
• We recently improved the matching logic for credit card payments. Now, that same logic applies to all transfer transactions. Smarter matching based on date and amount, even when the payees from your bank are less than clear.
Version 26.40.1
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