YNAB (You Need A Budget)

YNAB (You Need A Budget)

  • Category: Finance
  • Release Date: 2015-10-20
  • Current Version: 2.6.3
  • Adult Rating: 4+
  • File Size: 76.79 MB
  • Developer: You Need A Budget LLC
  • Compatibility: Requires iOS 10.0 or later.
  • Rating Count: 8 483


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



  • Great App/Poor Security

    By SM01106
    I love YNAB, it’s a great system to manage finances. However I’m torn because they currently offer no way to secure the application. I have this installed on my iPhone and iPad, and I have to be careful allowing others to use my devices for concern someone can easily open the YNAB app and see my private financial information. I contacted YNAB and they said they have no immediate plans to add security to the app. I can’t imagine this would be difficult to do. Until then I can’t recommend this app to anyone.
  • Finances have never been so good

    By dolsen
    Before YNAB my finances were out of control. This app has helped me get them under control. Being able to enter expenses wherever I am has helped me get my finances back on track. Also being able to see my budget at any time helps too.
  • Life changing

    By Kwallace6724
    Worth the $$
  • Game changer!

    By YNAB for life
    I have absolutely loved YNAB. It was a little involved getting started and used to everything but now it is SO EASY TO MAINTAIN!!! I feel like I have a much greater awareness of where our money goes and I feel completely empowered in managing our finances. I love that all of my accounts are linked and My Budget is created from money we actually have or spend—not just arbitrary amounts that we later have to reconcile with our actual spending. YNAB has been a game changer in how I think about, feel about and use money. I would highly recommend it to everyone!
  • Subscribe....

    By N8VTXN
    You will not regret it.
  • My life is better because of YNAB

    By New Mommy CKC
    YNAB has opened my eyes to so many things. It’s not an overstatement to say this tool and philosophy has changed my life for the better. Love it!
  • End your woes, use YNAB

    By JJraabe
    Multiple times over the past 7 years, ive rebooted my budget approach by looking for new apps, and every time, YNAB was on the list. I just never tried it because it seemed too confusing to get started. But here’s the thing, I would keep rebooting because other tools weren’t working. Finally, I tried YNAB and the difference is incredible. I’m talking about going out and spending money on dining out, bars, entertainment, and feeling confident in my spending instead of dreading that I’m spending money and should be saving. With YNAB, because you give every dollar a job, you can feel secure that the money you spend still allows you to hit your savings goals. It’s more than an app — you have to learn the system and the approach. That will take some learning and some time. And it will take you at least a month to get yourself on track and experience budgeting for a month with money you’ve aged, but the result is total piece of mind and the ability to stop stressing about spending money and enjoying the things that you spend it on.
  • Before YNAB and After YNAB

    By fay w
    My life can be split into two chapters. Before YNAB, when money fell through the cracks and I couldn’t figure out how to manage it. And After YNAB, where I’ve cleared my debt and know exactly where each dollar is. It’s a game changer and life changer.
  • YNAB Keeps you honest!

    By Shadebeams
    Other tools that I have used in the past allow little cheats, but not YNAB. This software forces you to give every dollar a job ahead of time. You always know where you stand and it is super easy to reallocate funds without doing a ton of math. The reporting is great and tells you where you are going and where you have been. Nothing else comes close.
  • Can’t say enough how much I love this!

    By jilldolsen
    This is the first time I have ever reviewed an app. This is the first budgeting system that has made sense to me, the “only budget what you have now” method is what I have needed but never knew existed! I have been using for only a month and it has already majorly changed how I look at and use my money. I can’t wait to see what it does for me in the future :)
  • Best Budgeting Program!!!

    By My 3 Hs
    It simply is as the title states. Worth the yearly subscription fee, great tech support and awesome videos for beginners and refreshers for those of us that need it. So happy for the team at YNAB.
  • Life-changing

    By rleebond
    This is a novel, life-changing way to budget. Super helpful and transparent company, unlike Mint and their approach. Will never go back to the antiquated way of budgeting. Thanks YNAB!
  • YNAB...your best asset!

    By JoshuaKreissMD
    Do the trial. Get started. You will never look back! Service is amazing if you have a questions. Design is intuitive. Results are transformative both personally and professionally. Stop reacting to money issues, and use the YNAB prospective approach. It will make a world of sense to you soon. Go for it! I have zero regrets...only piece of mind and more money than ever. Truly will become your best asset. You’ll see.
  • The Best

    By chesb2
    I love the simplicity and the idea of assigning a job to every dollar. Their customer support is top notch and will quickly answer any question.
  • Yay!

    By FLReader
    Best budget app ever!
  • difficult to see basic information

    By Pryn625
    I joined YNAB on the prior version because I thought their approach for tracking and managing financial transactions was so much better than others I had used. Although some of the new features are 'cool', this new design has made it MORE DIFFICULT to see basic information such as a true working balance or to see what the current balance was on a given day. I’m especially frustrated with some of the design decisions that removed important features in the new version on app and web. My low rating is from the number of features that are not meeting expectations: (1) Inaccurate working balance: Future-dated payments do not appear in the transaction register. They are grouped with potential scheduled payments. There is no way to tell the difference between a bill you wrote a check to pay next week (a future-dated transaction) and a scheduled payment you have not yet decided to pay (like a subscription you might cancel before the next due date). Just like a paper checkbook, the working balance should reflect committed transactions dated in the future. (2) No running total: there is no way to see current balance on a given day. If I want to see what my balance was 3 days ago I can't see that information in my transaction register. Other issues (mix of mobile and web app): ---GOALS * Goals doesn't work properly - when you have a monthly funding target, it shows the goal as yellow if current expenses will bring the available balance below the monthly funding target. It should remain green if you budgeted the amount of your funding goal. There should be a seperate goal-type to maintain a target available balance. * can't set target payoff date for debts (only credit cards) * can't set spending goals for liability accounts (debt payoff) to achieve target payoff date. * goals with dates, the right information pane does not display the date (work around - copy the goal information into the notes) ---VIEWS * can't see from the list, which categories have goals * No financial goals summary, a view/report to see all financial goals * in mobile app - no summary view for the month : income, expenses, scheduled expenses; to be budgeted balance; budget summary - amt budgeted by Category Group * can't search in the mobile app ---QUICK BUDGET * Quick Budget does not have option to set budget to the amount it recommends for you to stay on track; * Quick Budget does not allow you to Add upcoming expense to existing budgeted amount - The first option should be to budget the amount required "to stay on track" * can't set budget amounts to 0 from the app - individually or for the entire budget ---GENERAL & WEB * Check #/Reference field removed - it has value! * web app - reports / printing !! * web app - no expand/collapse all in budget view * web app - can’t view months side-by-side. In the previous desktop client version you could look at the budgets over a span of months - one of the very best features YNAB had. The web only allows you to see one month at a time. * no desktop client (no option to be completely "off line")
  • Incredible

    By Randowilson
    I have relied on YNAB for years to keep my finances straight. It not only helps with bills but it supports my goals in life.
  • Complicated

    By None Ya Biz WAC
    Perhaps is I who does not understand well but this app extremely complicated. All I wanna do is set up a monthly budget and a yearly budget. This has categories, and to go and not yet budget. It all adds up to not easy to use.
  • Fantastic for cash flow management

    By CatherineB58
    Budgets, like New Years resolutions, start out with great intentions, but are hard to follow. That’s because there is no easy reminder system to keep you on track. Or the budget is to cumbersome to set up. Or too inflexible to accommodate changes. If the pain of effort is too great, people will abandon it, no matter how well intended they are. YNAB solves all of these problems. It is easy to set up, easy to keep updated, flexible when things change and is right at your fingertips if you have the phone app installed. The program is well-designed, stable, accurate, and fast. The support and tutorials are clear and easy to understand. I have used YNAB for over a year now and love it just as much as when I first started it. I just renewed my subscription. Highly recommend it!
  • YNAB gave me control

    By I ❤️ YNAB
    I honestly don’t know how I functioned before ynab, always wondering and worrying if I’d have enough money in the bank so checks wouldn’t bounce. Living oh check to pay check. Now, we have a great savings, rainy day funds and my age of money is over 160! It’s almost like by using ynab I’m earning money 🤑, I’m giving every dollar a job and it’s making all the difference. I’ve been a user since the beginning and I love all their updates to the system. It’s user friendly (after learning the basics). Thank you thank you!
  • Finally, I can keep a budget!

    By driver2five
    After years of trying and failing, I’ve been able to keep my budget for 2 years now. YNAB makes is super easy. I was a little leary of handing over my cc info but since I check it all the time, I know exactly when something doesn’t look right. I’ve been able to counter-act charges like subscriptions I didn’t sign up for. It’s been well worth the $ spent.
  • Tried them all and YNAB is THE BEST

    By Rich020202
    Beautiful, powerful, and with an elegant uncluttered interface. Cloud based and flawless sync.
  • Addicted to YNAB!

    By Deezy23
    This is a life changing way of managing money. Great folks and top notch customer service!
  • Can’t Reconcile

    By none68
    The fact that you can’t reconcile accounts in the app is the reason I dinged it a star. Other than that it works well.
  • Who knew budgeting was so fun!?!

    By WhiskedUp
    I’ve tried different budgeting apps like Mint and even EveryDollar but nothing can compare to YNAB. I was using the app for a few months before I read You Need a Budget book. Once I read the book everything clicked! It was a true “A-ha!” moment. Now I only budget the money I have and my husband and I fight over who gets to input the next paycheck. It’s been great to get our true expenses nailed down and to have a plan for our money moving forward.
  • Fantastic tool

    By slypigno
    Really great tool to help you spend on things that bring you value.
  • Life changing

    By Lina013678
    This app has changed my life. YNAB isn’t just a way to keep track of what you spend, it’s a whole mindset that helps your prioritize the things that YOU find most important, not what someone else thinks should be important. It’s simple, it’s flexible, and it completely removes the guilt and tediousness from budgeting. Getting debt free or building savings doesn’t have to be a chore, YNAB makes sure you are leaving some wiggle room for fun, and that your budget is balanced both financially and according to what makes YOU happy. I’ve been using YNAB for over a year and will never look back!
  • Game changer

    By samuelknecht
    YNAB has completely revolutionized how my wife and I think about money, our budget, saving, goal-setting, and general habit-building.
  • iPad app needs work

    By aelnewt
    I love YNAB, but it’s unacceptable for an iPad app not to support split screen in 2019. I want to sort through email receipts and budget them side by side, but I can’t. I’ll give it 5 stars when this serious oversight is corrected.
  • Search, reconciling, transactions importing but not sticking

    By ryanissamson
    The imported transactions sometimes show up again to be imported.
  • Great product

    By I appreciate good work
    Team always working to make it better. Bravo!
  • The iPad app is way to kiddy

    By Randombobarc
    The app/methodology/paradigm(s) have really revolutionized the way I approach my own finances and i cannot recommend it enough from that regard as a service & function. I have budgeted myself for well over a decade and have done alright, but always felt there was some missing piece or rather a “hole” that seemed to be getting in my way. This app/way of tagging and budgeting really helped me see in a very adult way, the ways in which I was failing to connect some financial dots and keep myself from doing as well as I should have been; it made sense after I really pressed myself to drop my bad thinking that I had developed to try and work around the natural holes in a standard budget logic. Having said all of that, I find myself using my iPad Pro to access the web client, as the app itself is so kiddy and limited that it makes it actually harder to digest the information presented and make the most sense of it. So much information but it’s all so “big” that you can’t see the big picture, almost simply because the text and forms are so LARGE. Really the app could be and needs to be as feature-rich and dense as the web app; basically take the web app and adapt it to be touch targets and color coded like the app is. It could be so much BETTER than the web interface with all the screen real estate on the iPad and the easy entry and basic structure they have in place for it already. I really look forward to the iPad app “growing up.”
  • Great app for the meticulous

    By Stud.
    I love this app and the flexibility within the software to do what you want. I also like that it works in multiple currencies since I work internationally. I like being able to manage every single line item and stay on top of goals and spending. I highly recommend.
  • Great service, average app.

    By Phb9
    Sincerely, YNAB has permanently changed my life. It’s awesome. I just wish the UX got more attention. Gripes about the app: - you can’t search transactions😠 - you can’t easily filter transactions by category😠 (4 taps, budget>>category>>details>>spending) is not easy or intuitive. - when adding a transaction with a previously used payer, there’s no option to make it uncategorized! - in the budget screen, when viewing info, you can’t tap somewhere else to close the info screen. 😒 I also wish there was an easier way to switch between budgets. 🤷🏻‍♂️(I never use the lightning button, why not let the user choose what shortcut they want there?) Thanks for listening.
  • Manage your budget from your phone

    By ehadwick
    I swore I would never give up the old YNAB(v4) for this version, but I’m glad I gave it a shot. I can manage almost all of my budget from my phone. The most helpful feature are the badges that let me know I have txs to classify. That alone keeps me engaged with my budget daily.
  • Life changing

    By siburdge
    As I approached retirement, I became concerned about how I would keep track of my finances on a bit more than half my previous income. My son recommended YNAB and it has been a life changer. Now I can plan for expenses and keep track of spending easily. I feel much less stressed about my finances with YNAB. Every dollar has a job!
  • Awesome Software

    By jordancrane
    I used YNAB4 for years and years and was very reluctant to upgrade and start paying a subscription. I will say I still have mixed feelings about the change to the SAAS model and having all my data stored in the cloud, but the new features are pretty great. Goals alone have entirely changed the way I budget. I also love being able to do the majority of my budgeting on my phone now. The one thing I would really like is the ability to reconcile accounts on my phone. I’m sure it’s a hard flow to move to a mobile form-factor from a design perspective, but I really hope it’s in the pipeline.
  • Changed my life

    By ChrisAbqNM
    This app, and its desktop counterpart, changed my life. My spending was out of control, and it seemed like I was just getting farther and farther behind. The YNAB system has kind of a steep learning curve, so you really have to give it a few weeks while you learn how it works. But once you learn it, it becomes second nature, and my financial life is totally stable now.
  • Better security?

    By DwightDettloff
    Overall, I love the new app and the idea in general. My wife and I have been using YNAB since 2014. This app needs some security features like PIN access or TouchID.
  • Control over our finances!

    By Hail2Pitt!
    We love YNAB! We have been using it for more than a year and it has helped us pay off all of our debt, take control of our finances, prepare for the future, and truly understand what our money is doing each month. The app interface is great, there is a bit of a learning curve, but their support is great and there are tons of FAQ and tutorials about how to budget with YNAB. Using YNAB allows me to stop thinking and worrying about finances so much and focus my time, energy, and passion elsewhere. Highly recommend!
  • Get YNAB and your money will no longer disappear

    By Kaizen Life
    Don’t hesitate. Get the app, and you can get control of your finances. Like so many others who have success stories, my wife and I got out of debt and started saving in only one year. The amount was a shocking financial turn around. Like anything worth doing, you have to commit. It does take effort to learn and get started although I’m sure there are even better resources available now than when we started 5 years ago. Also, you will need to figure out how to live within your income. YNAB helps guide you to how to do that, but if you have too high of a standard of living like I did, you will have to reconcile the gap between income and expenses somehow. It is worth every penny! And when you’re in debt and stressed out about spending money like I was, I still say it is worth every penny. Best wishes to you and your soon to be improved financial situation.
  • Fantastic app

    By benshep
    It takes some time to get used to but YNAB is really awesome!
  • The only budget app I need

    By lamski
    For a long time, I’ve used YNAB classic with Dropbox to keep everything in sync between devices. Then, when I was abroad, a syncing issue wiped out about a month of data. That’s when I decided to try the new version. I used it for the whole trial version and found that I didn’t miss the classic app at all. Sure, the new version is missing some reports, but the data syncing is seamless. Regarding the recurring subscription fee, I got an additional discount due to being an existing customer. I think of it as a necessary cost to help the devs with server maintenance, bug fixing, etc. I also have the subscription set as a budget item so I don’t get surprised when the annual bill is due. All in all a terrific app that helps me to track my finances.
  • It’s been 2 years and still no way to use security to lock app

    By teknologeez
    It’s a finance app, isn’t that supposed to be on the priority? All major finance app gives user to lock using either pin code, fingerprint or face unlock. It’s just sad that this is still not enabled on this app now.
  • Solid replacement for the web app, but...

    By Doophy
    2 main issues with this app. First, there is no security on it. No touch-is, no PIN, no asking to login. Yes, I lock my phone, but still. This app has a lot of financial data. It’s the only financial app I have that doesn’t lock. Second, the app give an alert badge when I’ve overspent with credit. The web app doesn’t do this, but this one does. Since this causes the app to show an alert, it’s kind of annoying.
  • Great app!

    By Concerned.0101
    Love it! Helps us stay under control, or get back under control when we blow it. The only feature I wish for is the ability to reconcile accounts in the app. My computer is old and crazy slow, so I don’t get on it very often. Thank you YNAB!
  • Best Budget App

    By Geoff Pleat
    It is.
  • Reconcile & Hide Cleared Transactions?

    By No TV Stations?
    This app has been out for a long time now. It honestly is a great app and has revolutionized YNABing. However, it still likes the basic ability to reconcile an account. That’s the last remaining piece for a normal weekly flow, when getting everything caught up. For people who travel a ton and only carry their phone or tablet (or just people in general who no longer use a computer), this function really needs to be added to the app. Also, when that function is added. Add the ability to then hide the reconcile transactions. A mobile device is already cluttered, just by its smaller screen size. Have the ability to hide reconciled transactions, just like on-line, so you can concentrate on what needs attention.
  • Be smart with your money _YNAB helps

    By RobinOutside
    If you want to be ahead of your finances use YNAB. It is very different to any other “budgeting” app. You plan UPFRONT and not when it’s already too late. Watch some YouTube videos and learn to use it. My only app subscription I have and it’s worth it.