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: 2.3.2
  • Adult Rating: 4+
  • File Size: 60.09 MB
  • Developer: You Need A Budget LLC
  • Compatibility: Requires Android / iOS 10.0 or later.
Score: 4
From 1,754 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 We don’t want your money unless you feel like YNAB is helping you gain control of yours. In fact, we offer a No-Risk, 100% Money-Back Guarantee. At any point, if you don’t feel like you have more control of your money with YNAB, we’ll give you a full refund. No questions asked. 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. Terms of Use: https://www.youneedabudget.com/terms/?isolated Privacy Policy: https://www.youneedabudget.com/privacy-policy/?isolated




  • Like no other

    By Legalbabble
    I have been using YNAB since 2012 and there is no other software out there that can compare. I had Mvelopes for awhile but although you have to account for every penny and stick to a spending plan, there was absolutely no flexibility if priorities had to change. YNAB online and app is the most powerful and user friendly software I could have ever hoped for, and I have tried many. Budgeting still takes discipline but it lets you prioritize your decisions. Will probably always use it. Can’t live without it because I always know where I stand and what needs attention.
  • YNAB is saving my family from financial disaster

    By LovingYNAB
    When I really love about YNAB it trains you, It trains you to use the money that you have. And only been able to budget the money that you have you have to make good financial decisions. And there’s good financial decisions are made by sitting down with your family and establishing priorities. With other but budget apps including my Excel-based app or using Mint.com, those help because I was budgeting money that I didn’t have. I love that it’s not only an app but also there are huge amounts of educational resources on how to tackle debt, how to save more money, etc. My stress level is lower thanks to YNAB and we are turning our finances around. Thank you YNAB!
  • Great app, needs refining

    By Txlonghorns53
    Great app, love it. But when on the budget screen every time I tap a category it selects the one right above it, and the keyboard moves up and quick budget covers the category. Fix this and it’ll be a 5 Star app. iOS 11.4 iPhone 7
  • Best budgeting app I've ever used

    By Sheba_Warrior
    YNAB has a genius design and philosophy. I spend less time checking and managing my money than before, and yet I have a better grasp on my real financial situation understand than ever before. I've used Microsoft Money, Mint, and Quicken. YNAB is easily the best.
  • Confusing

    By Booboofoo2
    This app is not easy to get started on — there are not clear directions for setting it up or how to use any/all of the features. It’s also not helpful if you want to pay down your credit card balance each month in full, but don’t want to account for money beyond that month’s statement. It’s also not helpful if you have a bunch of business expenses or split costs with others because you can’t account for the income that will pay for those expenses. It’s also way too expensive.
  • Changed my life

    By Emiecee
    This app has made me view my money in a whole new way. I’m so much more careful about my spending. I’ve saved so much money in just the last month using it.
  • I really love it, but I’ve had some problems

    By Emazorra
    For part of last year and the majority of this year, the app was pretty useless to me, since it couldn’t connect to my most important bank. It worked great in the beginning, but when my bank upgraded some security measures, YNAB couldn’t connect and I would lose my place budget-wise. I tried to keep up by reconciling, but it would get confusing and I would end up repeating transactions when it finally did connect. Still though, even with the issues, just my first few months with YNAB was so great, it was absolutely worth the subscription. But, I haven’t used it much at all until recently again. It seems the issue has been fixed, so I gave it a month to see how true that was, and it seems to be true. I really liked this app when I first used it, and it helped put into perspective how much I was spending on things like lunch at work and things I really could’ve waited on; it was also really useful to see me achieve my financial goals. I’ve really suffered without it, because I legit don’t have the attention span to keep an excel budget, so I’ve really missed YNAB. I’m hoping in another month or so, I can come back and edit this review with some more stars, because I really like this app and I really like the people behind it, who have been really supportive and definitely kept me informed the whole way regarding my bank issue. Granted, my bank is really localized, so if you use a big-name bank like Bank of America, I don’t think you’ll have the same issues I did. I think my experience has been really particular to people in my area. So, absolutely worth it; just make sure you’re prepared to do manual transactions if your bank doesn’t connect.
  • NOT user friendly

    By Von d Champ
    This app was not clear. Information was not pulled from my bank in real time. Completely useless
  • No Passcode or TouchID?

    By blindgoat
    I love YNAB and this app greatly improves from Classic, however it needs to addTouch ID or a passcode. I realize nobody can access my banks through the app but I don’t want people seeing my budget or my kids accidentally messing with the budget when they’re on the phone Cheers!
  • Takes several days to sync with your accounts :(

    By karacter0
    If your wanted to have your accounts sync with YNAB, then you will need to wait a couple days. With every transaction that goes through your checking account, YNAB doesn’t grab it that day or the next. Maybe by the third day. This lag of timing is frustrating for me. The only solution is to input the transactions myself and then delete the lagging transaction when it comes several days later. If it were not for all the benefits YNAB brings me, I probably would pass this app up. But for me and my family, this app is a lifesaver. I have had this app and its Mac version for years. YNABs fundamental concept “give every dollar a job” changed for the better my relationship with money.