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: 2.13.1
  • Adult Rating: 4+
  • File Size: 66.10 MB
  • Developer: You Need A Budget LLC
  • Compatibility: iOS 12.0+
Score: 4.82
4.82
From 25,339 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

YNAB Changed My Life

5
I’ve struggled with budgeting applications before. I’ve tried all the major ones and even a few open source apps for money management. YNAB hits it out of the park! I’ve been using YNAB for 8 months now, and I am absolutely in love with it! It was like finding myself soulmate... well maybe that’s a bit extreme, but I would absolutely recommend the average money spender (that’s you) to give YNAB a shot. I have recommended it to all of my friends and family because it takes the headache out of managing your budget and building your net worth. After their 34 day free trial, it was a no-brainer to sign up and pay the membership to keep using it. In my mind, the cost of membership is well worth not having the budgeting headaches I was facing every month. I’ve watched my age of money climb higher and higher over the last 8 months, and a big part of me being able to achieve this was thanks to YNAB. The support documentation is fantastic. The chat support is outstanding. This company cares more about its customers than making a profit. That is crystal clear to me. Nothing else competes. Do yourself a favor and try out YNAB.
By WD409

Tried it.

2
Always disconnects from my provider and does not update daily transactions. Most times won’t connect to the bank.
By Anxious Amy

Connections need an overhaul

3
I love the app and how it works. It’s been by far the best app I’ve found for my finances, but my love for it strengthens my frustration with the connections. I understand this is a separate service but why is there no good way to connect your accounts anywhere? Sure, they use separate security protocols and whatnot but it’s maddening to have to reconnect accounts every other day.
By cmeans66

Gone downhill, less value

2
Compared to a year ago the functionality has suffered greatly. Syncing accounts takes multiple tries. It works, which is an improvement over broken but now when syncing with my credit union I get the glib message: “You won’t be waiting forever—but sometimes 5 or 10 minutes feels that way”. 5 or 10 minutes? To get my overnight transactions? Sounds like they gave up and are lowering expectations, but not the subscription cost.
By mcnbmcnb

Best budgeting system but terrible connection issues

3
I have had this app since 2019. I have loved this app. It's everything I need and has helped me stay on top of my budget and get further in our finances. Recently, the app has not been able to connect to my bank since July 2020 and I have done what the app has suggested to help reconnect, but it seems like their suggestions don't do anything. Others using this app have reviewed the connection issue a problem as well. I feel like this is an app problem or bank connection. It would be nice if the app company would give their users a heads up and what they're doing to fix it. Because I feel like we're getting ignored, yet I've paid money for this app which helps fund your company. If this persists, this app is not worth the $80/year.
By VanessaHolm

It is the best!

5
I tell everyone about it. Absolutely love it. It changed our financial life this past year. Get it!
By nateswalker88

Wow this is cool

5
I really love this app. For $85 per year, or $7ish a month, this is totally worth it. I spend $10 on spotify because I like music. I think $7 to manage finances is well worth the cost. The app is very well done and easy to use. This may be the most useful app I have ever used.
By Kenty_G

Financial Counselor

5
I have been using YNAB over five years. Not ounce have I thought about using another. It takes some getting use to. But it feels like when you evolve it evolves with you, never complicating much as you grow. You get back what you put into if for sure. This helped me out of debt and in my marriage. This should be taught in our schools and our kids should graduate high school with this app ready to tackle the future. Lastly, their customer service is hands the best. The key is communication. The person you speak to IS working on the issue and the buck doesn’t get passed unless it absolutely has to. Thank you YNAB.
By puerto rican freakin leakin

Worth Every Penny + Then Some

5
Fun & Easy Budgeting Software Too many great things to say about YNAB in a review. Highlights include: the pressure-free 34 day trial (they won’t automatically subscribe you); the ease of using it every day (seriously. You’ll get it. Stick through the learning curve); free classes & lessons online; the robust global community of YNABers. Worth every penny and then some. I certainly have been able to save for that $85ish subscription now, anyway!!
By sarasweeney

Life changing!

5
I might be a little obsessed. We recently paid off our mortgage and are debt free (yay, Dave Ramsey!)! I had used another program for years that is free, but it was not staying up to date and was basically a spending tracker rather than a budget. When I started to research new programs to replace that one YNAB seemed to fit my style and needs the best. YNAB has changed the whole way I look at money. I KNOW where my dollars are going. ALL of them. And it is SO freeing. And maybe a little too efficient. I look forward to every influx of money so that I can budget...which has become my new obsession, and it is done so quickly that the letdown it real. I also watch tons YNAB YouTube videos, which are both fun and helpful. I might be a budget nerd....
By JustEnoughLight

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