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!
-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
"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!"
“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!"
"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."
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
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What’s new in iOS 24.3
It was an itsy bitsy teenie weenie yellow polka dot releasie! This release may only contain back-end work, but don’t let that hold you back from splashing bold patterns across your spending plan! Why not color your categories with a few emojis? Or give your Focused Views a little refresh for spring? We can’t wait to see how you make YNAB yours.
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.
Developer Response ,
Hey Catherine! Thanks so much for taking time to write up (and update) such a thorough review of YNAB, we especially appreciate your take on Direct Import and Credit Cards (both areas we're working on improving for our users!). We've also made considerable improvements to our onboarding flow since your review, so for anyone reading this, expect a more simplified startup 🤩
We have a whole team of specialists on hand to help any time you run into issues (and you probably know this 😀), but you can reach out to us at firstname.lastname@example.org anytime, or by clicking on the question mark in the lower right hand corner of your budget page 🙌 Happy Budgeting! -Caitlin P @ynab
I am so so thankful for YNAB!! I’ve never been able to keep a budget but have desperately needed it.. I wanted something automated and did try Mint and Every Dollar a long time ago yet didn’t want to pay to have my accounts linked so maybe that was on me.. but what I love about YNAB beyond being able to link your accounts is the ability to save for different goals/targets. I haven’t been able to save for things because I’d either have to withdraw cash and physically put it into different envelopes or have a million separate bank accounts.. YNAB sets you up so you can separate out your goals while still maintaining one or two or however many accounts. This is really a god-send. I’m finally saving money, paying off debt, and excited about budgeting!! The ONE thing I do wish they’d work on is the ability to link my Apple Card. I try to manually put in transactions as I go anyway, but I like the assurance of having an actual linked account if I were to forget anything. The credit card part also was driving me crazy in the beginning to figure out.. after watching several videos and just refusing to quit until it clicked, I finally got the hang of it. I also love that you can add a family member to your subscription for free!! Some people have complained that the price keeps going up.. maybe because I just subscribed but to me $8/month is more than worth it (though I wouldn’t complain if the price went down either). :) HIGHLY RECOMMENDED
Developer Response ,
I love this so much. Being able to save and pay off debt is a huge deal. Way to go!! Thank you for leaving a review! \- Natalie @ YNAB
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.”
Developer Response ,
Hi there! Thanks for leaving us a review and we're so glad you've enjoyed YNAB 🙌 It's really great to hear your feedback about the iPad app—it's been a couple of years since your review, and we've made significant improvements to it since then 🎉
We're always looking at ways to increase feature parity between platforms, and we even have some mobile only features! Check those out here: https://docs.youneedabudget.com/article/1752-mobile-only-features
Happy budgeting 🙂 -Caitlin P @ynab
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