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: 2.12
  • Adult Rating: 4+
  • File Size: 57.26 MB
  • Developer: You Need A Budget LLC
  • Compatibility: iOS 12.0+
Score: 4.81
4.81
From 20,625 Ratings

Description

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

Screenshots

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Reviews

Best budgeting app!

5
I have been using YNAB for 3 years now and it has been my financial saving grace. I don’t know how I kept track of finances before I downloaded this app! The price is worth it.
By SkiMaine14

YNABBER FOR LIFE!

5
YNAB has changed our financial lives. Budgeting FINALLY makes sense. The app is great, as is the web version.
By Smth700

Life Changing!!

5
I never write reviews but I am a YNAB believer! This app has been completely life changing in the way that I view and use my money! There’s is definitely a learning curve but stick with it and watch the videos on YouTube. I promise you’ll be so grateful that you gave it a shot!!
By TrishDivina

I finally have money at the end of the month

5
I have used YNAB for a year and it is a top 5 reason my financial wellness is great. It’s a mindset first and an app second. You learn to prioritize where the money you have actually goes but you still have flexibility if an expense sneaks up on it. It also forces you to feel the real pain of debt! The app has never been buggy nor has it crashed.
By Self-care by Aisha

Empowering!

5
I have tried Mint a few times, pen and paper more then a few times, and always ended up back to sort of budgeting in my head. I started using YNAB in September 2019. It took a couple of weeks and lots of YouTube videos to figure out, but once I got the hang of it I love it and recommend it to anyone!!! I have never felt this good about handling money as I do now!
By J in T

How the mighty have fallen

1
I signed up for YNAB years ago, back when you’d pay a one time fee to download a program directly to your computer. It was a revolutionary concept - envelope budgeting, or as YNAB says, “Give every dollar a job”, was game changing. Not only was the theory of assigning money to spending categories perhaps the most effective way to budget, but their program was amazing. On top of that, you could share your license with friends and family - they actually encouraged it. Jump ahead a couple years and YNAB decided to become a SaaS company. They decided to no longer offer their downloadable program (although if you still had it, lucky you). To cut costs and improve their feature release processes they switched to a web-based app and at the same time they hiked their prices. The only problem was, compared to the program they used to sell, the SaaS application was a steaming pile of broken code that lacked a lot of the features they previously has. Skip to now and YNAB has decided to pair with iTunes to manage their horrendously expensive subscription. Scan their support center and you’ll see there are dozens of complaints about their broken billing system, and worse, the app doesn’t seem to do nearly as well as their original product. I was thinking of coming back to YNAB, but alas - how the mighty have fallen. What was once a revolutionary new way to budget has become just another overpriced and aggravating app.
By Berkeleyed

Not just a web-app copy

5
The functionality in the app offers just the right tools for making adjustments on the fly. I appreciate that it makes small actions easy to take care of on a mobile platform rather than trying to copy the web app experience
By not debt free

Envelope budgeting at its best

5
YNAB has been my go to budgeting app for years now (and I’ve tried them all). Pick YNAB - you can’t go wrong!!
By rapidblue

Peace of Mind

5
Been doing YNAB since the new year. Restarted the budget in Feb and have been reconciled since! I found the book first and definitely recommend reading that first or in conjunction with starting the app. In the midst of the whole quarantine stuff, our family’s money is at least 30 days old and we were able to deal with buying a new washer and dryer (which we were saving to get in Sept) With cash. If you have not looked at it, HIGHLY recommend it! Not only do you get the app, but a whole support and education structure. Love this app and mindset.
By Check1757

A subscription just isn’t in the budget

4
It’s funny to want to start budgeting and tracking your spending habits and to use an app to do so that has a monthly subscription. The idea is to save money not spend more than you have or are willing to spend. The app gets five stars because it’s a well designed and useful tool. My review is four stars simply because the monthly subscription model contradicts having a budget.
By PJliotta

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