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: 2.5.1
  • Adult Rating: 4+
  • File Size: 77.66 MB
  • Developer: You Need A Budget LLC
  • Compatibility: Requires iOS 10.0 or later.
Score: 4
From 2,024 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



  • One app worth paying for

    By ozzie-gooner
    This is such a lovely financial philosophy which is often overlooked by young ppl during their early ages. Once, I got onto this app I realized the value of spending less than you earn effectively and planning for it. This app has the potential to make you think about the long term and worth paying for!
  • In love

    By ElizabethMD
    I credit this app with helping me get a grip on my finances, and I sing its praises every day. I was doing okay before, but using YNAB has made me much more intentional with my money. I don’t wonder where money has gone between pay days, have put together an emergency fund and have been able to refocus my finances. Thank you!
  • Pay? No thanks.

    By S1eleven
    This is a budgeting app and I’m supposed to pay for it? Mint and Personal Capital are free.
  • Life changing

    By discoclams89
    I absolutely LOVE this app. I will admit, when I first started using YNAB it took me a little bit to get the hang of it, primarily the desktop version and then the app, but once I did, it was so worth it. YNAB is the most efficient and comprehensive budgeting software I’ve used and I absolutely love it. The app is super easy to use and when there are minor issues, they make sure to roll out updates promptly. Improve your budgeting today and get YNAB!
  • Can not log in - weird errors - won’t sync

    By timshutes
    I’ve uninstalled and reinstalled. This version of the app is broken and doesn’t work.
  • Disappointed longtime YNAB user

    By jay73948
    I have used YNAB for years and I was once a YNAB apostle. I hesitated upgrading to the new YNAB for years due to a few concerns that I found to be reasonable concerns. I had two major problems with new YNAB. First, credit cards. It took me way too long and way too many YouTube videos to understand how credit card expenses work in new YNAB. I finally understood how it works, but I’m still not sure why it was designed the way it is. I watched videos and I’ve even taken YNAB video seminars and users can only explain how it works. No one has explained why! It seems needlessly complicated. The old YNAB system worked sooooooo well for credit cards. Why did you change!?!???? I’m a YNAB pro, and I knew if I couldn’t understand it, my spouse never would. The second major impasse for me was projected income and carrying a negative balance into the next month. Due to side hustles, projects, and my spouse’s work, sometimes my family must spend money for materials, etc to work on a project before we are paid. With the old YNAB, I could carry that negative account balance for a month or two if necessary. I feel so constrained in the new YNAB. I understand it teaches good budgeting strategies, but such a legalistic system really hampers those of us who don’t fit into a perfect little box. I wish I could stay, but it’s not worth it to me to pay monthly fees to use a software that I believe is inferior to YNAB of 2015. I have recommended YNAB to countless people, but I’m moving on to a simpler budgeting software.
  • Needs improvements

    By NaplesAggie
    YNAB review YNAB is an impressive app and has lots of great features that you can find on there that other budgeting apps wouldn’t have. One of the things that makes this app stand out is the fact that you don’t have to create your own categories, so it’s very easy to set up for new users. All of the categories are in your budgeting page already. One thing I would change about this though is the fact that you can’t change your balance unless you add it to a category. Sometimes people can loose money from their jobs and it would be a lot more convenient if there was an option to edit your balance without adding or subtracting the money from a category. That’s my main complaint about this app and hopefully there will be a future update with this. But overall this is a great budget app considering the fact that it’s free and easy to use.
  • I find it incredibly difficult to use.

    By darkknight56
    My main complaint is that I had all the account balances reconciled and showing correctly but then it pulled in more transactions from credit card account or the bank and now all of my balances on this application are out of whack and every time I try to reconcile it it keeps pulling in more and more transactions from earlier and earlier in my financial history so my accounts show balances that are way out of whack with reality. I would not recommend this application to anyone. Even a spreadsheet or a paper based system would be better than this application.It just won’t stop pulling applications transactions from my bank account and us leaving me in a perpetual cycle and trying to reconcile transactions I don’t even recall anymore.
  • Poor Design

    By Drew Yeats
    The design of YNAB is so unintuitive. I use the app because it provides some specific budgeting functions that I need, but I absolutely HATE the product.
  • Mangled budgets on mobile

    By SonicPhoenix
    Not sure if it has to do with a recent update, but right now I am finding missing categories, and a huge number or pinned categories at the top that I have never pinned. Pinning the categories makes it show up twice, unpinning it makes it go back to one. Categories missing when adjusting a transaction as well. Attempted to log out and log back in but all seems the same.