YNAB 4+

Spend, save, and give joyfully

You Need A Budget LLC

    • Free
    • Offers In-App Purchases

Description

Where does your money go? Frustrated you’re not getting ahead? Unsure about your future? You’re asking the right questions but the world thinks about money all wrong. You aren’t broke, but your money mindset is. It’s time to change your relationship with money.

You need a set of habits to change your mindset and 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 money mindset for good. As the habits become second nature, you’ll stop fighting about money, make better decisions, and sleep better at night. Are you ready to feel confident and secure about your money (and so much more)?

Start your one-month free trial today!

Features:
-Built for Partners & 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 & 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, videos, written guides, and more

Testimonials:

"I never, 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 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/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

What’s New

Version 24.6.1

What’s new in iOS 24.6.1

This update might not burst with fireworks or confetti, but it's just as exciting—the thrill of spring cleaning, ya know? We've been in full-on declutter mode, meticulously sprucing up the nooks and crannies of our app to ensure a smoother experience for you. Why not ride this wave of freshness? Take a moment to dust off your spending plan and give your categories a little springtime sparkle. It is all about starting the season fresh and organized!

Ratings and Reviews

4.7 out of 5
244 Ratings

244 Ratings

Alistair_T ,

Quite simply, the best app/system I’ve ever bought

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

Captainpaddy ,

Brilliant Budgeting Assistant!

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!!

Cathal meenagh ,

Changed my financial life and trajectory

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

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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