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 2.12.1

What’s New in v2.12.1
Once again, our developers have put on their bug-fixing pants (and pantsuits) to go-a-bug-wranglin’. And you’re all like, “why do you need to wear specific pants to fix bugs?” Hey, maybe don’t worry about how the bug-fixing sausage is made or how we just freely mix all sorts of metaphors together all willy-nilly. Just check out these sweet, sweet results:

- Bug fixes
• In some cases, the Create Goal button in the category details wouldn’t show up due to specific layout constraints. If it wasn’t showing up for you, it should now after this release.

• Nearby payees can now be manually removed again without having to forget their location...or without having to choose to “forget their location.” Who among us wants to remember going to the DMV?

• We fixed a rare issue where you could sometimes end up in an empty budget state on your phone while changing your password on web at the same time. No, this wasn’t an experimental Rule 5 - Transport Your Budget To An Alternate Dimension bit of code we were testing out. That hasn’t been released yet.

• Fixed an edge case that would allow a transfer payee to get a geo location. For online banks that was probably extra creepy (your bank is calling from inside your house???) but it’s been fixed now!

• We fixed a bug where the username and password input fields would be hidden behind the keyboard after returning to the app during login. Probably the most boring game of hide and seek ever, but that shouldn’t happen anymore.

• On the iPhone SE, we fixed an issue where the notes field in the transaction editor would be hidden by the keyboard. Man. That keyboard is cramping our style. What are you trying to hide, keyboard?!

• Fixed a rare crash when using Quick Budget. Um...that wasn’t what we meant by “Quick Budget.”

• As part of our continued effort to make the web/mobile experiences more cohesive, we updated the icon for "Account Settings" to match what we have on web. Where we used to have a little "settings panel" icon, we now have a little "user" icon.

Ratings and Reviews

4.8 out of 5
22.8K Ratings

22.8K Ratings

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.

scott&julia ,

New link server 👎🏻

I love YNAB. It has helped completely reconstruct our finances and has been amazing for us.. but the other day they were forced (I believe) to start using a new account link server because do an acquisition and the new server is awful. It seems to work ok when it works but when it doesn’t work, the server takes an astronomical amount of time to relink accounts. For some reason I have to constantly relink my discover accounts, I always have, but now that process which used to take seconds takes minutes every time. I’m not sure if Discover or ynab is to blame but the new server is significantly drawing out the process. Other accounts which have been historically not able to connect at all but maybe once a week (commerce bank) is showing as connected with the new server but is not actually syncing. So that’s confusing because at least with the older server it would tell me when it wasn’t synced and was so when it was I could rely on the information but now it’s not even telling me so I can’t rely on it at all ever, I just have to manually balance.

It’s unfortunate that this has happened because ynab was awesome, and still is but I am very hopeful they can work out the issues with the new server which seem to be pestering others besides myself according to reviews.


You Need A Budget LLC
59.5 MB

Requires iOS 12.0 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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