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.
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.
“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
- 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.
What’s New in v2.14.1
We’ve been winterizing over here at YNAB, taking care of business in preparation for the imminent frost.
• We’ve streamlined the Direct Import account linking process. Fewer loading screens = more time for the finer things in life, like reading these release notes.
• Previously, you could only use Enter Now on one scheduled transaction at a time. No longer! Bulk enter to your heart’s content.
• We fixed an issue where, under some circumstances, you might see the category balance for the current month rather than the affected month when choosing the category for, and saving, past transactions. No, we are not warping the space-time continuum (yet).
• We fixed a bug on iOS 14 where tapping the “spent” amount on iPad would not show the category activity. You’ll see it now, never fear.
• In the past, occasionally the Overspent Categories banner on iPad wouldn’t show the correct number of overspent categories. That was infuriating, and is now fixed.
Ratings and ReviewsSee All
The iPad app is way to kiddy
The app/methodology/paradigm(s) have really revolutionized the way I approach my own finances and i cannot recommend it enough from that regard as a service & function. I have budgeted myself for well over a decade and have done alright, but always felt there was some missing piece or rather a “hole” that seemed to be getting in my way. This app/way of tagging and budgeting really helped me see in a very adult way, the ways in which I was failing to connect some financial dots and keep myself from doing as well as I should have been; it made sense after I really pressed myself to drop my bad thinking that I had developed to try and work around the natural holes in a standard budget logic.
Having said all of that, I find myself using my iPad Pro to access the web client, as the app itself is so kiddy and limited that it makes it actually harder to digest the information presented and make the most sense of it. So much information but it’s all so “big” that you can’t see the big picture, almost simply because the text and forms are so LARGE. Really the app could be and needs to be as feature-rich and dense as the web app; basically take the web app and adapt it to be touch targets and color coded like the app is. It could be so much BETTER than the web interface with all the screen real estate on the iPad and the easy entry and basic structure they have in place for it already. I really look forward to the iPad app “growing up.”
Stable, Essential, Life Changing
I’ve used YNAB since I was a broke college student, and it’s helped me keep my financial life on track despite barely breaking the poverty line for my first few years out of school. I have never struggled to make rent or pay for my necessities, and I’ve stayed free of consumer debt. Because of YNAB I have been able to carefully weigh any debt I did take on (training for a career switch, a car) and pay it down without any stress. I clung stubbornly to the desktop app until I convinced my partner to start using it, and saw how far the web/mobile app had come, at which point I promptly switched over. I have a thing about app subscriptions (hate ‘em), but the YNAB team is consistently rolling out improvements and features, all of which have been rock solid and helped me plan for my financial future even better. It’s one of the rare cases where I get enough value from the service that I’m not only willing but HAPPY to pay to help the company grow. I could not recommend this app more highly. If you’ve ever struggled to save money or pay down debt, if you regularly get clobbered by predictable but irregular payments (6 month insurance premiums, replacing your computer/phone/car), if you need more accountability to make sure you’re spending your money in line with your values, there is nothing better on the market for helping you get there.
New app is a massive improvement
I had started using YNAB but ended up losing the habit because there would be times when a purchase made on the go couldn’t fit into any existing categories I had set up on the web app, and I had no way of changing things until I had long lost track of purchases.
Now, the new app lets me do literally everything I used to have to go on my computer to do, and it does so in a beautiful, easy-to-use package. With the most recent update, the app went from feeling 8 years outdated and nearly unusable to one of the best-designed apps on my phone. I used to have to apologize for it - “if you can get over the outdated app, the system works really well” - and now I can wholeheartedly recommend the YNAB system to people who ask for help with budgeting.
Don’t fall for the convenience of automated budget tracking with other apps! YNAB’s manual system forces you to pay attention to the consequences of every single purchase. The learning curve is difficult at first, and it does take an hour or two to get everything set up. But the payoff is literal - managing my money tightly with YNAB lets me spend more comfortably by making sure I have what I need for expenses and savings. This is hands-down the best budgeting system available.
- You Need A Budget LLC
- 76 MB
Requires iOS 12.0 and watchOS 2.1 or later. Compatible with iPhone, iPad, and iPod touch.
- Age Rating
- Copyright © 2020 YouNeedABudget.com
- In-App Purchases
- YNAB Subscription $83.99
- YNAB Subscription $11.99
- YNAB Subscription $11.99
With Family Sharing set up, up to six family members can use this app.