YNAB—Budgeting, Personal Finance, Expense Tracker
Your money doesn’t have to be messy. Get a handle on your personal finances by budgeting with YNAB—a proven method and budgeting app that gives you real results. On average, new budgeters save $600 in their first two months and more than $6,000 their first year.
Pay off more debt, grow your savings, and reach your goals faster. See a complete view of your personal finances. Gain total control of your money with YNAB. Try it free for 30 days.
Bank Sync: Securely link your accounts and see your complete financial picture in one place.
Real-Time Expense Tracking: View changes to your budget in real time across devices, making it simple to share finances with a partner.
Loan Calculator: Find more money for your debt with our loan planner tool. We’ll calculate the interest and time saved for every extra dollar you put towards debt.
Goal Tracking: Turn your financial goals into reality. Create categories for your financial goals and see your progress at a glance.
Spending & Net Worth Reports: Visualize your spending and obsess over your progress with budget reports. See your average grocery spend (down to the cent) and your growing net worth in full technicolor glory.
No Ads: We don’t (and won’t) sell your data. We don’t pitch you recommended products in-app. When you open your budget app, it’s just that—your budget.
Award-Winning Customer Support: Ask our award-winning support team your budgeting questions anytime via email or live chat.
“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!”
“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!”
“I just don’t know what I’d do without YNAB. I’ve never been so financially aware in my life.”
“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!”
You’ve Never Budgeted Like This Before
Tired of timing bills to pay day? Frustrated that you make OK money, but have nothing to show for it?
The YNAB budgeting app and its simple four-rule method will help you demolish your debt, save piles of cash, spend without guilt, and reach your financial goals faster.
Free for 30 Days, Then Monthly or Annual Subscriptions Available
- 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.
What’s new in v3.6
In this release we’ve fixed more of the keyboard animation glitches you may have noticed in the app. We also updated the first screen that new YNABers see after downloading the app.
Ratings and Reviews
Excellent cash flow management tool
Most budget programs are set it and forget it. Which is the problem: once you set it, you forget it and you drift away from your spending plan. The beauty of YNAB is that it is flexible and dynamic, and allows you to adjust your spending plan as you need to. I found the program itself is well designed, reliable, and easy to use. The only issues I’ve had were with banks making it hard to set up connectivity. But YNAB did a good job of communicating how they were working to resolve the issues. In the beginning it does take a few hours to set up categories and get banks connected, mainly because it is so customizable, but once it is set up it is virtually effortless to maintain. Do watch the tutorials first on how to set it up. But then I spend 1 to 3 minutes each morning reviewing the previous days expenditures, and maybe 10 minutes a month reconciling my accounts. It shows monthly and quarterly reports so I can see trends over time. The only tricky bit is understanding how YNAB budgets your credit card purchases. That is not intuitive the way the rest of the program is. But they produce tutorials that explain it well. The web platform is easiest to use for setting up your categories, and for reconciliation. But the phone app is essential for quickly checking your remaining budgets on the go, especially as you get close to your next payday. I highly recommend it for those who want to be in charge of their spending habits.
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.
Data Linked to You
The following data may be collected and linked to your identity:
- Financial Info
- Contact Info
- User Content
- Usage Data
Privacy practices may vary, for example, based on the features you use or your age. Learn More
- You Need A Budget LLC
- 44.5 MB
- Requires iOS 13.0 or later.
- Requires iPadOS 13.0 or later.
- iPod touch
- Requires iOS 13.0 or later.
- Age Rating
- Copyright © 2021 YouNeedABudget.com
- In-App Purchases
- YNAB Subscription $98.99
- YNAB Subscription $14.99
- YNAB Subscription $14.99
- YNAB Subscription $98.99
With Family Sharing set up, up to six family members can use this app.