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: 2.6
  • Adult Rating: 4+
  • File Size: 77.89 MB
  • Developer: You Need A Budget LLC
  • Compatibility: Requires iOS 10.0 or later.
Score: 4
From 2,181 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



  • Ok tool

    By Ssrikako
    I see only 1 report in the tool, does not give much deails. I would like to see more details like which category i am spending more etc.. Also transactions modt of the time we need to choose category. It would have been nice , everymonth it copies the average budgeted details or from last month which wiuld have avoided typing.
  • CAREFUL! Read the privacy policy

    By Cyyyyyyyyyyyyyyyyyyyyyyy
    YNAB has the privacy policy of a free app that creates revenue by transmitting user data, except it’s a subscription based app that transmits user data. Please please please read the policy before importing your bank account information into this app. If you sign up for a subscription your information will be held for a “minimum period of 3 years” after canceling. What about the maximum you might ask? It doesn’t mention. Read this policy and then download an app like Mvelopes (another envelope budgeting app) and take a look at its policy, you will notice the difference. YNAB clearly states that it shares user information with third parties that it partners with for analytics purposes. And although it does mention that it does not sell user information for “direct marketing purposes”, a partnership with an information based analytics company involving all of your bank transactions would be mutually beneficial to both companies as YNAB would gain aggregate analysis of its users and the analytics company would gain access to all of YNAB’s user's transactions. Because it’s mutually beneficial the partnership wouldn’t need to involve money and therefore YNAB wouldn’t be selling anything, and the analytics company would then be able to use user's banking history for direct marketing purposes. All while still remaining within the confines of YNAB's privacy policy. Hopefully I am misinterpreting the policy and it's not as poor as it looks, but there is a big difference between this policy and the other budget tracking apps I have seen which specifically state that they don't share your information with third parties.
  • Vertical Orientation for iPad app?

    By BassoonDude05
    Vertical Orientation for iPad app?
  • Needs More Features

    By Reviews4U04
    The YNAB method is great, but the app is lacking in features—especially when it comes to charts. I miss Mint specifically for that reason. Yes, there are more available on the web version, but the mobile app is what I use almost always.
  • By far the best

    By EEhhhhhhhhhhhhhhhhhhhhy
    After trying out 4 different budget apps and finding them all to be lacking, this one blows the rest away. If you’re looking to actively control you money, save, and make it work for you, this is the app. The app is intuitive, yet very powerful. Combine it with the YNAB method and you have the complete package. Their customer service has been phenomenal. Jen was super helpful in the included coaching session. Tons of resources available. YNAB is the way to go. Take control.
  • Must have

    By Jessbwearstights
    It’s the only budget system that has ever worked for me. It’s completely transformed the way I handle my money. Do yourself a favor and just try it!!
  • Great Accompaniment to the Desktop App

    By Blumarble
    I’ve been using this software for at least three years. I love it. It has changed my family‘s financial life. This iOS app is a great accompaniment to the desktop app on my Mac. I highly recommend it. My only complaint is that this iOS app, in all of it’s iterations, has never had any type of security feature. Meaning, that anyone who has access to your phone has access to your financial data within this app. How can we have gone so many years with this app and not have it password-protected or protected by face ID?
  • Cannot possibly overstate my satisfaction with this app, desktop version, and company!

    By jessicamanna
    I joined the free trial with a personal commitment to quit before the deadline if it wasn’t making a valuable impact. Less than 30 days in, can easily say I’m 100% hooked and a raving fan! Everything about this product is exceptional - mobile app, desktop version, support, self-serve knowledge portals, YouTube channel. Transformational product, expertly thought through and architected, with great support resources. This is a product clearly built from passion. As my husband (an enterprise architect and engineer) would say, “built by architects and engineers with self-respect!” :-)
  • Good but not great

    By Mark in Brooklyn
    YNAB is an excellent system for budgeting, and after 20 years of using Quicken and then Banktivity, I find budgeting with YNAB to be the most effective by far. The iPad version though feels like a missed opportunity. I don’t know why the reports available on the browser versions cannot be displayed on the iPad, and so effectively this is the iPhone version on a bigger screen. Spending trends, Income Vs Spending and Category summaries could easily be done on the iPad version, and would enhance its value immensely. As things stand, you still really need to use the browser version (which annoyingly on an iPad points you to the app version telling you it’s better - it is not. If you’re going to block YNAB on iPad Safari, at least make the app be able to do all the things the browser can.
  • What about security?

    By Chefclean
    Ok, so this app is all about budgeting and making “your money work for you” Got that. What I am concerned about- but the developers do no seem to be - is the security of the app. You cannot set a passcode on the app and this is a huge deal for me. Also, how encrypted is the information going back and forth? No mention of this. My other concern is the pricing of the app which is very confusing online it is $80+ dollars. On my devices, through the Apple App Store its $6.99 a month. Why not make it monthly online as well? Overall it’s a pretty good budgeting app yet there are many more out there with more robust features. Like security.