YNAB (You Need A Budget)

YNAB (You Need A Budget)

  • Category: Finance
  • Release Date: 2015-10-20
  • Current Version: 2.7.1
  • Adult Rating: 4+
  • File Size: 78.95 MB
  • Developer: You Need A Budget LLC
  • Compatibility: Requires iOS 10.0 or later.
  • Rating Count: 11 401


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



  • Best Budget App

    By CulEx0r
    I had been through all the top budget apps out there when I found YNAB well before the subscription service, had that Dropbox sync! I was reluctant to pay for the service after so many years of using what I had paid already paid for and using for free....IT WAS WORTH IT. The bank synchronization works pretty well for me overall, some accounts don’t update like they should but they are not important enough to cause me any issues. Most important thing I tell everyone is give some time and patience with learning it. My husband hated it when I had him start using YNAB. It does take some time to learn how to think like YNAB but once you get the hang of it and work it out for your budget and needs, you will love it. Including the time when it wasn’t a subscription based service, I have been going at least 5-6 years strong with YNAB and don’t plan on using anything else. Highly recommend to everyone!
  • The budgeting app that will change your life.

    By Rivak
    I can’t recommend this app enough - it has significantly changed our finances for the positive and reduced money fights, stress and complications to zero. Spend the time and take their free webinars, learn the system and apply it and you’ll find out how liberating a budget really can be!
  • Financial Game Changer

    By Gregstergmo
    The real power of YNAB is in the philosophy behind the app: Approaching budgeting through the lens of assigning all income a job. It takes financial discipline. If you’ve been broke to the point of begging the power company to keep your power on, you will benefit from the YNAB method. It’s complimentary to many of the popular debt reduction and financial stability strategies that work. There is a community of users who are supportive. The technical support team at YNAB is very responsive. It’s worth every penny and more for a subscription.
  • Incredible

    By mstephensdev
    Life-changing, seriously. I wish the iPad app was more robust, similar to the web app, but I’m sure it will get there.
  • Refund??

    By GodMordo
    Hey is there any way possible to get a refund if I was just billed for the year today? I completely forgot about the free trial and saw I was charged for the year but I don’t even use the app a lot. If possible I’d like a refund please.
  • Love it, but ......

    By MikesterAZ
    I love YNAB itself but I’m very disappointed that the iPad app doesn’t function like the desktop function. One important thing missing is the undo button! Also the indicators for credit spending budget are missing so they just show up as over budget which is only half true. In the desktop version you get a refined view where you can tell whether budgeting money to that thing will result in a cc payment which is central to the overall YNAB way of thinking. This has changed how I manage my money but i still prefer to be on desktop which means the iPad app hasn’t changed anything. It really functions to keep things the same. :-/
  • Doesn’t work with my Credit Union

    By Ssseann
    Awwww - I was so excited to set up YNAB and start budgeting but they don’t connect with my credit union, Municipal Credit Union in NYC. I’m trying to make a budget anyway, but it’s not the same if YNAB doesn’t connect to your financial institution. Seems like a good app though, I’d give it a much higher rating if they connected to Municipal Credit Union.
  • Five stars if I could reconcile

    By techollec
    The biggest thing missing from the mobile app is the ability to reconcile transactions. That’s possible in the web app, but the web app isn’t available on mobile. Other than that this app and budgeting system are the best I’ve used. They also have outstanding support.
  • Life Changing Budget App and so much more

    By BagelLvr
    This app and the supporting website offers a simple life changing approach to proactively budgeting and not just tracking income and expenses. You simply give ever dollar a job when it comes in and put money aside for what’s coming up both expected and unexpected. Easy to learn and tons of get started videos and live-streaming events. Search the term YNAB Broke just for fun! It’s when your cash accounts have lots of dollar but they’re all accounted for...so its beans and rice and Netflix for fun tonight!
  • Don’t try it

    By cbnyny
    The program serves no purpose, is obscure, and is a scam to collect $90 that you cannot get reimbursed as soon as you get charged (I contacted customer service of ynab and apple less than a few hours after I realized the size of the charge and was told a refund was not possible. $90 for giving a Dumb product a chance! Way to budget!)
  • Good product by a great team

    By Drak Lac
    It is a great product with good functionality and a very helpful support staff. I have contacted ynab support a few times now via both email and in app chat. On each instance the representatives were thoughtful and helpful. They both answered my questions and directed me to additional resources on the subject. All told I am quite pleased with the product.
  • This is the budget app you have been searching for!

    By Crushed Candy Player
    I’m 63 and thought I was pretty good at managing my money. I’ve learned some new tricks and feel even better about my skills now. I’ve been recommending the app to everyone!
  • DO NOT DOWNLOAD - Does not work

    By hdhhdh7773636
    Does not download transactions. You have to manually input everything. That defeats the whole purpose??? Why not just use a checkbook lol
  • Amazing

    By Doublecsuu
    I love using YNAB. It is easy and quick to use. It is the first time my wife and I agree on a way to budget our money.
  • Great budgeting software, customer service rocks too

    By S. Smith.
    Takes a few to switch your mind on how YNAB works compared to other budgeting software, but the video tutorials out there really help. While I was only a few days into my trial I had a import issue with a bank that would have prevented me from keeping the software, wrote to customer service and they replied immediately and had a fix in less then 2 days, uh-maxing! Based on that I was determined to push past the learning curve and give the software a real try. I love it! Only reason for my 2 stars is that one of my banks keeps having time outs on pulling data. Also, my husband and I have the credit cards from the same bank, so sometimes it mixes up which card a payment went to or which card a charge came from, not to difficult for me to fix manually, but I definitely have to be aware if it seems off.
  • Better for daily life and budgeting than Quicken

    By Cassie16.2
    AWESOME!!! Been using it for 4 years and we now stay on budget every year! I’ve used it for my business for the 4 years and my accountant said to move to Quickbook....3 months later I’m back to YNAB because I couldn’t easily figure out how much I had left to spend in certain areas. I wish there were more “reports” but it’s still much better than Quickbooks!!
  • Love the system, but just ok

    By tonyo05
    I love YNAB but the app is just okay. Transfers between accounts are really hard to categorize in the app, and have gotten my budget way out of wack trying to do so in the mobile app. This is much smoother in the web site.
  • best budgeting tool i’ve found

    By i.togusa
    YNAB is an excellent budgeting tool and reduces the friction enough for me to keep things current. while i miss the classic desktop version and the ability to take a birds-eye view of my budgeted amounts and spending over several months at a time AND i don’t like not being able to work on my budget offline, YNAB is an excellent budgeting tool and reduces the friction enough for me to keep things current, the ability to import recent transactions from my banks mostly make up for it.
  • Doesn’t account for future transactions

    By Syzygy325
    I’ve been a YNAB user since 2011. When YNAB announced “the new YNAB” I was excited, but they couldn’t get my bank account to sync with it, so it didn’t make sense to move to the new subscription model when YNAB 4 was working just fine for me. Now that it’s been over 3 years since the initial release I thought I’d give it another try. The very first thing I noticed was how different they handle future transactions now, and it makes it absolutely useless to me. If you put in future transactions on the dates they will actually occur, you can’t trust any of the numbers YNAB shows you. You can be misled into thinking you have money available to spend, and because there is no running balance in account views (and future transaction aren't accounted for until they happen) you'll never know you're going to overdraw an account, or overspend in a category until it's already happened. Let's set up a very simple dummy budget. I have 1 checking account and 2 categories: Giving and Spending. I know, this is a bad decision for the real world, but bear with me. I make $2000 and deposit into my checking account on April 1. I now have $2000 available to budget. I decide to put $1000 in spending and $1000 in giving. Cool. budget done. Checking account balance = $2000, my two category balances are $1000 each. YNAB shows everything is great! Let's say I pay a $1000 mortgage via ACH on the 15th, and a $500 charity donation also via ACH on the 25th. I enter them both in my checking register, and they show up as future transactions. I look at the account view in YNAB, and it says I have $2000, and still says I have $1000 in each of my categories. But wait, I already spent $1500. True, it hasn't actually come out my account yet, but I have already spent it. It's committed. It's happening. I budgeted for it, and decided to do it. But, YNAB still insists I have $2000 in my checking account, and $1000 in each of my two budget categories. Today is the 12th of the month. I go to a charity event and feel like I should donate some money. Being a good YNAB'er I know I need to check my BUDGET (not my bank account balance), so instead of opening my banking app, I open YNAB. It says I have $1000 in giving, and I really like this cause. Since YNAB is supposed to tell me what I can do today, I trust it, and write a check for $1000. Let's say I do nothing else for the rest of the month. The 15th comes and my mortgage gets taken out. The charity deposits my check. On the 16th when I check YNAB, it shows 0 in the bank account, and 0 in all my categories. The 25th comes around and the other charity I committed to tries to take out their money, and either can't, or I get over-drafted and my bank charges me overdraft fees. YNAB failed me because it told me on the 12th that I had $1000 that I could spend in giving, when in reality I only had $500. It gets worse when you have multiple accounts. Let's say you have a checking account and a cash account. I check my budget on the 12th and it says I have $1000 in giving (WRONG) but the charity only accepts cash. I double check my bank balance and it says, yup, you've got $2000. Cool, I withdraw $1000 in cash and transfer it to my cash account in YNAB. At the last minute I decide to only give $500 (even though YNAB tells me I could give $1000 if I wanted to, and record that in YNAB too.) But, I don't deposit the cash because YNAB hasn't given me ANY indication that there's anything wrong. If I check my "accounts" view, I show $1000 in checking and $500 in cash. I check my budget view and everything looks great! $1000 in spending (wrong, I already scheduled my mortgage payment, remember?), $500 left in giving (still wrong... I already spent that $500 so it's really zero!). On the 16th everything still looks fine (Checking balance=0, cash balance=500. Spending category=0, Giving category=500.) But even if I don't spend any other money, at the end of the month I bounce that ACH withdrawal to the other charity, and YNAB didn't tell me until after the fact.
  • Love My Budget

    By SongBird Teacher
    Back in the good old days, when I did the budget on paper, I only budgeted the money that I had. Nowadays, online budgets are a projection of the month, no matter whether you have received the money yet or not. I love this budget for the simple fact that I fill categories only if I have the money to do so. It keeps me on track in a healthy way, minus the anxiety caused by funding categories without money on hand. Plus the peace and joy when funding retirement means the world to me. Thank you a million times over, YNAB!
  • Best budgeting app

    By shrink_to_fit
    This is the best method of budgeting and keeping track of what you do with your money. The app is simple, effective, and easy to use. Love it!
  • Best Budget App

    By Jess7126
    I have been using this app for two years and it has helped me so much! I got the app when I decided to go back to school for a graduate certificate and I didn't want to pull out any more loans. Two years later I got my graduate certificate, I paid it all in cash, I paid down some of my debt, I saved for future expenses, and I have never felt so in control when it comes to money and finances. I recommended it to my mom and now she's been able to pay down consumer debt. I highly recommend this app.
  • Amazeballs

    By TheKJF
    Great app and always being updated. Customer support is exceptional.
  • Life changing

    By Chrizzlemmeikl
    The concept of this app is like no other budgeting tool I’ve ever used. It can take a while to wrap your head around, but there are so many resources available to help you learn, and if you put in the effort you can be fully up to speed within the trial period. After a while it becomes addicting to enter transactions and watch your debt go down while your net worth goes up. Set goals for your savings and always ensure you don’t over spend on a credit card. This app covers it all, but it ALSO has use charts and graphs to show improvements over time. Like I said it’s been completely life changing and is well well worth the annual fee. Give it a try, it might be tough to understand at first, but once you figure it out your life will change for the better I promise.
  • I love this app!!!

    By emmaschlarp
    What a great, functional budgeting app! Not only does it categorize every dollar in your linked account, it tracks the “age of your money,” which looks at how close you are to living paycheck to paycheck. After YEARS of living that way, I’m proud to say this app has helped me look at money differently & I am now able to flourish financially! YNAB rocks!!!
  • Amazing customer support

    By Zstatisticort
    They always respond quickly and my problems are always resolved in a friendly manner.
  • Great app but..

    By J.Le111
    Wished they’d change the colors they use in the app. It’s getting outdated.
  • Loved YNAB for years but..

    By rsd22
    ....I have just about had it with the inability for the iOS app to open. Gone are the days when the app just opened and worked straight away. Now I roll the dice and wonder will the YNAB app open, will it freeze for 3 seconds and open, or will it freeze and crash (close). Mostly it’s freeze and crash. You guys are way better than this.
  • Best budgeting app on the planet!!!!

    By YNAB nerd
    Best budgeting app on the planet!!!
  • Changed my life

    By Illuminator1231
    I grew up in a financially insecure family, which affects one’s attitude toward life, and what you see as opportunities for yourself. You limit your vision of what you can do. This app has and is changing my life. (I’m in my 70’s) I am confident now. I know that I have the money I need. I know what I need, and I am able to be realistic, prepared, prioritized. I love checking in on my budget daily. It’s fun! The fact that it is linked with my bank accounts makes it simple. It takes a bit of effort and time to set up, but so so worth it. I tell everyone about it. Been doing it now for a number of years. You can also take online live little classes daily if you like. Great way to begin getting one’s life under control. Go for it!
  • Perfect, BUT... (now fixed!)

    By Zach888
    LOVE YNAB and this app. App really, really needed Touch/Face ID or PIN lock to prevent access by others when sharing phone. I’m so glad this is now fixed!
  • Can’t connect to server.

    By NicAshby
    This version is useless. It can’t connect so it’s basically a login screen. 👎🏻
  • Latest update causes it to crash

    By Mpost43062
    Love the app, but the newest update causes the app to only display the splash screen and then crash
  • Overall a Fantastic Budgeting App

    By ITGuy11
    Have been using the app for about 4 months now and am very pleased. Would have given 5 stars but the reporting features are lacking on mobile.
  • Great App

    By rtr_3
    The app has been the best budgeting software I have used. Simple and easy way to track my finances each month. Only improvement would be to offer more reporting features in the app (especially the ‘income vs expense’ report!).
  • Best way to manage money thus far, aesthetically pleasing app!

    By 7dk
    The YNAB method is the real win, but the app is seamless and does exactly what I expect as far as transaction entry, prediction of categories, a couple of key reports. Moving money can be a minor inconvenience or take an extra minute to figure out moving money between categories. I use the app consistently, my partner and I both do.
  • The YNAB system is life changing

    By mandrakos
    I can honestly say that I no longer worry about money now that I’m using YNAB. While I prefer the web interface the app is just as good for almost all tasks you’d want to accomplish.
  • Excellent budget app

    By Luke 1990
    I don't often write reviews, and when I do, it is only because I have used them at least over a year. I have used YNAB for several years now since YNAB 4 for desktop, and it is an excellent budget app. The sync between devices is excellent, as well as the sync with my three banks and 7 accounts. The app nicely and relativity quickly imports all my bank transactions, and is quick and easy to approve each one. YNAB has only improved over the years. The app is MUCH better than it was with YNAB 4! I no longer have any complaints as I did with the previous app. The desktop app is no longer absolutely necessary, but I do recommend it highly. Well done YNAB, keep improving.
  • YNAB is amazing

    By ALadyP
    YNAB and the app has completely changed my relationship with money and budgeting. I’m now a planner and saver. I know where my money is going and can prioritize. Can’t say enough about this program.
  • Want to change your finances? Get YNAB

    By Jeffrey Trull
    YNAB is hands down my favorite budgeting app. I finally understood where I was spending my money after I started using YNAB. I’ve been using every day for 4 years now, and I can saw it’s had a huge impact on my finances for the better.
  • Amazing control of finances

    By andrew.conkling
    I hesitated to use YNAB for so long, but I’m glad I finally did. It’s so helpful and flexible and the app is really great at showing you your budget and letting you tweak it as needed anytime. (I also saved more than 5 times the annual subscription price my first month. Worth it!!) I love budgeting for next month as soon as I get paid. So helpful! And the team deserves a shout-out, because they’re incredibly helpful and personable if there’s a question or a problem. The in-app help system is really neat. 🥰
  • Amazing best budget app and you’ll save thousands

    By speedy497
    I put everything on my visa and get points and pay it in full every month. It auto imports all expenses and eventually % March you don’t have to categorize . Budgeting on iPhone, Apple Watch, iPad and laptop is easy and I have all my assets and liabilities and with all my accounts I have been so much better living on a budget. Also amazing videos and teaching YNAB method will let you live saving for all sorts of items and before you know it you have a $1,000 in your car fund and when you need new tires or break no sweat! I have two months of pay in savings this budget is so good!! Try it and watch all the videos and web help, they have funny sayings all over the site. Some accounts don’t import but they try really hard and better than quicken mint auto import.
  • Best budgeting tool in the market

    By chrisdetzi
    I’ve tried them all and none come close to YNAB from Budgeting perspective. The product has transformed how I think about managing cash flow, savings, and credit cards. And the company provides support that goes beyond “tech” and into budget education. They have it figured out!
  • A must have!

    By Mik Venuti
    Amazing! I have been using YNAB 4 since 2013 and it changed by financial life. I upgraded to this version in January 2019 and the improvements are definitely worth the subscription price. Highly recommended to anyone wanting to take charge of their own finances.
  • Trial Subscription Scam

    By ZombieZoklock
    Be careful to NOT download the app unless you want to use the app and be willing to pay $7 a month through your iTunes account. It AUTO BILLS unless you unsubscribe before the trial period. Scam tactics is NEVER rewarded. Beware an app that uses shady tactics like AUTO BILLING/ AUTO RENEWAL.
  • Way too Complex and confusing

    By thedemps
    This app gives me nothing but headaches. It’s great for the first month because it’s so simple. And you feel really taken care of because you’re constantly getting messages from a friendly face. But once you pay and month 2 begins, things get very confusing, and support disappears. Simple things like adjusting my account is not straightforward. Once I figure something out, but the next time I need to adjust I’ve forgotten the steps.
  • Love the program, generally love the app, 2 key features missing

    By LBatt3
    We’ve been using this for five months now and definitely our favorite (and after much trial, only) budgeting program. The app is generally great, but is missing two key features: undo button, and search option. There is no way to undo your last action, or last say 4 actions; there is also no way to search for a particular transaction. You have to go to the web software for that, which is a bummer since we use the app for nearly everything. Hope YNAB is listening and adds these two crucial features.
  • Nothing better

    By Comfy sweats
    The app itself could use some work-- it has improved over time-- but the real rating is for the system. Nothing worked for me before. YNAB is the best method I've found for managing my money.
  • Exceeded the hype

    By Just Another White Girl
    I didn’t want to like YNAB. I’ve been proudly budgeting for years (even got myself out of credit card debt..... before going right back in), using Excel and envelopes. But I was ready to try something new, and poured myself into YNAB. It’s worth it to read all the articles, enroll in the webinars, watch the videos, etc. I stumbled a bit at the start, even tried out some of the other budgeting apps in frustration but none of them had the bells and whistles or the ease of use that YNAB has. After creating my 3rd YNAB budget all I can say is, IT WORKS. I didn’t think I needed to learn anything else about budgeting, but this really reframed how I think about my money. The tools are so easy to use, once you get the gist (give yourself at least 3 months, especially if you’re used to another budgeting system - - and use their exceptional tech support when you get confused or stuck), that my budget is now something I’m both proud of and look forward to doing. The online and phone apps work seamlessly, so it’s easy to keep up with everything and see what’s coming up. YNAB helped build my confidence while teaching me new skills. Thanks, Jesse and friends! ❤️❤️❤️