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: 2.9.1
  • Adult Rating: 4+
  • File Size: 57.08 MB
  • Developer: You Need A Budget LLC
  • Compatibility: Requires iOS 11.0 or later.
Score: 4.5
From 15,528 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



  • Would probably rate higher if it was even useable

    By johnjnap
    On iPhone XR you cannot use the app at all due to some formatting error on the app. When I attempt to link a bank account it gives me an overzoomed screen that leaves me unable to read what the field require for entry.
  • Best Budgeting App

    By MikeMSD
    The YNAB app combined with the website is the best budgeting app I’ve ever used. It took me a few tries to get a hang for it. But once I got going, it has helped me drastically improve my financial health. I highly recommend this app to anyone looking to better their finances.
  • Unable to link accounts

    By Rfhffing
    Was really hoping to be able to use this app. I tried to link 2 accounts and neither would link. Cancelled subscription and deleting the app. Looks like it would be a great tool if I could link up.
  • New update broke it

    By localmick
    The latest update broke the app for me. It says it can’t connect every time I start it up and the app is unresponsive to me pushing the “try again” or “get help” options. Totally frozen.
  • Life changing app

    By ashbudget4
    I have too many apps to count but this is the first I ever reviewed. On New Years Eve, I made a resolution to simplify financially. I was disgusted by the overspending of Christmas and as usual, found myself heading into the new year with a bunch of financial obligations that I hadn’t planned for. This app seemed highly rated so I decided to give it a chance. Wow - best decision ever! It took me a few weeks to get the hang of it but now that I have I would never consider leaving. We view our spending so differently - it’s all planned in advance and there are no surprises anymore. In nine months I have paid down $56,000 on our Home Equity line, increased my credit score by 40 points and feel 100% in control of my financial destiny. One tip is to link your accounts immediately. I was manually transcribing the information from my credit card and bank accounts. Once I auto linked the accounts it cut my time way down. Thanks YNAB!
  • Exactly what I was looking for

    By KathieK11
    I love YNAB! I used Quicken for decades and never realized what I was missing. I could keep track of my money but it was always in hindsight. And when I tried to budget, it was just too complex to manage. And the fact that it required the desktop made it a huge production when I got around to reconciling my accounts. I finally gave up on it. And now I’ve found YNAB and I’m sold! I get a clear view of my cash flow and I’m now in a position to get some control of our spending. I used the web version to get started and after trying out the features, I’ve loaded up all the accounts and put my dollars to work. Now I use the phone app to take a quick look each day and approve the transactions imported from the credit cards. I’m tracking my own spend on the fly but, to be able to get my husband’s charges loaded with a day or two is a godsend. I now have a much easier way to have budget discussions and work with my husband to plan our projects. Thank you YNAB. I certainly did need a budget and I love your tool.

    By KMM@writing
    My husband and I have used the envelope system of budgeting all 28 years of our married life. As technology has stepped into the budgeting arena, we’ve tried many different things. YNAB is by far the very best tool we’ve ever used to budget. Even after being faithful budgeters for almost 3 decades, YNAB is improving our spending habits more than I thought possible. The “age of money” and green/orange/red colors on amounts in categories is really motivating. I will say that when the first month “rolled over” we weren’t prepared...and just a bit unhappy. But it’s become our new best budgeting friend. If you’re using mvelopes, do yourself a favor and get YNAB. You will have more time in your day and actually smile as you track spending. The YNAB support team is hands down THE BEST of any app or program I have EVER used. And no I was not paid to write this. I’m a just very happy YNAB customer. 🥰🥰🥰
  • Life Changing

    By thecoastisclear
    Seriously the best app I’ve ever purchased.
  • Budgeting is enjoyable

    By Katieg1992
    Absolutely love using YNAB! This platform was able to change my perspective on budgeting and how to handle my money! I highly recommend giving it a shot if you have tried utilizing other budgeting tools in the past but fell off the bandwagon this budgeting platform is perfect for you! Also check out the different White Board Wednesday videos. A lot of knowledge is shared in the short videos.
  • User friendly!

    By Coffee26492739
    I love using this app. The company has done a great job at making the software easy to understand and the app easy to use. I never get flooded with notifications and the ones I do get are helpful and specific to my budget. I love YNAB!!