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 2.11.1

What’s New in v2.11.1
So, it looks like all of our iOS developers woke up on January 1st and made a New Year's resolution to completely eradicate all bugs and possibly even the memory of bugs existing as a thing. I don't know if maybe they watched A Bug's Life or Antz or that Jerry Seinfeld movie with bees, and just said, "who do these guys even think they are with their legs and wings, swimming in raindrops and ruining picnics?!!!" But then, instead of taking out actual bugs, they just went ham on getting rid of a ton of bugs for this release. Whatever the case may be, we fixed a TON of bugs:

• Fixed a rare issue where the app could get stuck loading on launch...just like how real bugs sometimes get stuck loading up on lunch.
• On the iPad, we fixed some cases where the budget tab would show a different month after switching back to the app or resizing it. To be clear, a different "month" was showing up, not a different "moth." Moths are terrifying the way they dive bomb your lantern when you're camping at night. Sorry, we’ll stop talking about real bugs now.
• We made it so the actions on the transaction toolbar are now all accessible in all multitasking modes and orientations. BTW, Multitasking is new. Now it’s new and improved!
• Fixed a bug where sometimes subcategories were not able to be reordered until after an app restart. Not ideal, but now that restart shouldn’t be necessary!
• Replaced "Add Transaction" with "Record Payment" in context menus for debt categories. This wasn’t just a text swap. There is now an appropriate behavior that happens as well, such as the cursor going to the outflow field.
• Fixed a bug where if you had a By Date goal and the target date had already passed, we weren't letting you save changes to a category! Whoops! Fixed now.
• Changed the flow for covering overspending on iPad using the red pill. Now it goes straight to a filtered list of categories to cover the overspending with. Unfortunately, this has nothing to do with Keanu Reeves choosing to leave the Matrix to become a grown-up man fetus who gets flushed down a robot toilet...sounds maybe a little strange out-of-context...
• Cleaned up icons, simplified color schemes and did some minor animation fixes. Nothing major here, but it will pave the way for possible improvements to colors, icons and animations in the future.
• Fixed the top of the empty state text being cut off in the payee selection screen. Was the full state half empty, or was the empty state half full? Now, we’ll never know.
• Fixed an issue where the nearby payee was not defaulted when creating a new transaction before the device location is loaded. But let’s be honest, it’s usually Amazon, Target or Costco #AmIRight?
• Previously, when tapping and holding on a section header, the context menu came up for the first cell in the section, making it difficult to reorder groups. This prevented context menus from popping up on budget section headers and also on all cells while editing. But we fixed this.
• Fixed a crash when unmatching transactions on iPad.
• Fixed a rare crash when reordering category groups...and hey, no one likes crashes, except I remember that movie, “Crash” winning best picture or something. Also, that Dave Matthews song was OK. Other than that, though, crashes are universally not liked.

Ratings and Reviews

4.8 out of 5
19.2K Ratings

19.2K Ratings

ItsBader ! ,

I hate the new keyboard

App is great, service is great and life changing. Been using it for two years and finally can keep up with my spending and seeing improvement But anyways this is a review of the app not the service and I currently have a few issues

1. My girlfriend and I (she is more enraged than I am) loved how easy it was to change budgets in the old app! Now We have to go through a very long journey just to change the budget! And I have 3 different budgets (sometimes 4 if I am traveling) I wish there was an easy way to switch between them (while we are at it, the web app could use easier budget switching ..). Also, maybe add in a title somewhere which budget I have opened? A few times I have logged in things in the wrong budget, because I didn’t realize I had the wrong one open

2. The keyboard to enter a transaction as of 21st of January. I like the overhaul of the page, I love how everything is in one page, but hate the new keyboard! My eyes bleed every time I look at it .... YNAB has designed such an aesthetically pleasing app, why did they do that!! And it bothers me that the keyboard covers the clear button (yes it’s silly I know). I hope the great developers behind this app can find it in their hearts to make the keyboard visually pleasing ...

Randombobarc ,

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.”

valuedrift ,

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
63.8 MB

Requires iOS 11.0 and watchOS 2.1 or later. Compatible with iPhone, iPad, and iPod touch.



Age Rating
In-App Purchases
  1. YNAB Subscription $11.99
  2. YNAB Subscription $83.99
  3. YNAB Subscription $83.99


  • Family Sharing

    With Family Sharing set up, up to six family members can use this app.

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