YNAB (You Need A Budget)

YNAB (You Need A Budget)

YNAB (You Need A Budget)

By You Need A Budget LLC

  • Category: Finance
  • Release Date: 2015-10-20
  • Current Version: 2.11.1
  • Adult Rating: 4+
  • File Size: 60.83 MB
  • Developer: You Need A Budget LLC
  • Compatibility: iOS 11.0+
Score: 5
From 20,151 Ratings


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: https://www.youneedabudget.com/terms/?isolated Privacy Policy: https://www.youneedabudget.com/privacy-policy/?isolated


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Free trial

Loving this YNAB budgeting. I’ve always shuttered to the thought of a budget but this is changing my thinking process. It’s only day 5 but this is cool. I’m really really loving the app. Definitely going for the annual subscription and looking forward to saving it’s actuallya little fun. Of course it is only day 5 😂. LOVE YNAB!!!!!! Cindy k
By ck Cindy

Love it!

YNAB is easy to use and is a great way to allocate where you would like to spend your money rather than just seeing where it went. It’s like the envelope method made easy. I’ve been using it for over a year and I think this is the first year that my wife actually looks at the budget and knows where we’re at financially. I love it!

I never write reviews. But I love YNAB.

I never write reviews. Like you, I am a lurker. But this time I feel the need to speak up and say YNAB is the best budgeting software out there. Their customer service is superb. Admittedly it took me a few days to learn everything, but it’s totally worth the learning curve in the long run. Just do it, you won’t regret using YNAB.
By bryant24601

The best budgeting app out there

I can’t express how much I love this app. If you’re like me, you’ve tried Mint, Every Dollar, the next upcoming budget app suggested by the App Store, your own excel sheet, your friends excel sheet, some budget guru’s spreadsheet you found on the internet and still not happy? YNAB is the answer. It’s honestly worth the investment to get your finances in order. You might think it’s counterproductive to pay to save money but it really is an investment. If what you’re doing hasn’t worked, there’s gotta be a reason. Plus, you’re not paying to use the software: it also comes with really great resources - the customer service team is amazing (friendly and prompt!!) and YNAB is constantly producing resources, trainings, workshops, articles, etc to help you. You might not like it the first few weeks but you really need to take the time to learn the software and what it stands for and figure out a way make it work for you. That’s why there’s a 34 day trial. Really life changing and I could not recommend this app more.
By estherkim15

Love it!

Wow. This is the best budgeting app.
By Ttmbc

Unreliable, not good if you pay off CCs

The app stopped connecting to my bank and YNAB isn’t in any hurry to fix it. It’s been down over two weeks. They said it will take time. I wish I hadn’t wasted my money on this. It’s not good at handling credit cards if you always pay them off anyway, but at least I could track the money in my account. Now I’ve lost that.
By JenTunes

Financial Freedom App

I rarely write reviews. I am not often enamored with anything enough to care about taking the time, but YNAB is a very different story. I’ve never been good with money. I racked up debt in college, hurt my credit score early on, and spent some painful years financially digging myself out of the hole I had made. I started using YNAB four months ago and I can honestly say it’s the first time in my life I’ve truly felt in control of my money. I’ve tried spreadsheet budgets, the Mint app, but YNAB was the first budget tool that really made sense to me. I enjoy the customization of the categories and I include emojis at the end of each one to make budgeting feel less serious. I look forward to paydays now as the dollars I need to budget feel like points toward a financial game I want to win, and I enjoy figuring out exactly where I want each dollar to go. I will say you need to take the initial setup seriously as it is the most time-intensive piece. I had to reference past bank statements to help set up categories and there were still a few surprise expenses that popped up the first 60 days, but now it’s a simple habit checking my new transactions at the start of each work day, and inevitably shuffling money around when I eat out a little more than I thought I would. As a person who used to be afraid to really look at my financial situation, I can honestly say YNAB has created a tool that when used correctly and consistently can make the process of spending and saving money fun. I also recommend signing up for their weekly newsletter. They offer a lot of good tips as well as a recent article for couples with questions to ask each other to help clarify your views on money. My wife and I went through the questions and came away with a better sense of what we want our money to do for us as a team. Thanks YNAB for providing a great app! The subscription is worth every penny!
By Alexander Prospect


I never leave reviews but this app is more than I expected. The entire idea behind this app/company is amazing. I have only had it for 2 months but it really helped me get things under control and I’ve already figured out how to pay off $1500 in credit card debt! I wish I had found out sooner!
By sftbnwh

Excellent Program and Service

I will never quit using YNAB. I have never experienced a better product and service in my life. Well done YNAB, keep up the good work.
By sstaat

Helps you stay on track

YNAB helped me rewrite the way I was thinking about money. I’m saving more than I ever had using Mint or Digit. I had to get rid of some bad habits and it took about two months to really figure it out how it all makes sense. The app works great too, an essential part of the experience. If you’re struggling with budgeting, invest the free trial time and rewrite your own way of thinking about money.
By honknwave


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