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 Android / iOS 10.0 or later.
Score: 4
From 2,029 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




  • Saved us so much for years

    By TheThrist
    I can say so many great things about YNAB and how helpful it’s been for our family’s budget. The iPad app especially is easy to use, customer service is human and always friendly, and there’s a helpful community at your finger tips if you have questions. The app itself is so much better than the one on a phone. It’s easier to add accounts, move money from category to category, and budget month to month. I only gave it four stars because it’s missing two incredibly important features that the web app has: searching and reports. If you want to look at say, how much you spent at Starbucks for the year, you can’t search at all on the app. This is a really basic feature and not having it on here is especially frustrating (you can’t access the web app through Chrome on the iPad either, it automatically redirects you to the iPad app). Since there’s a yearly cost to use the program I’d expect the app and web app to have identical features.
  • Does not update in real time

    By rob har
    Doesn’t update to your linked accounts in real time so it makes it very confusing when trying to budget in real time. Also, the way they handle credit card accounts is absolutely confusing. They don’t show as a debt (which it need to be paid back so it should, yes?) it shows as a positive and just messes everything up. It’s nice that it links to all of your accounts so ideally you have a gross amount of your money, but it doesn’t translate that easily.
  • Takes Way Too Long to Update

    By newking83
    I think the premise behind YNAB is great and I was eager to try it out. My problem with the app is that it just takes way too long to update. I got paid last Thursday and was excited to start the new month with a new budget. But my paycheck didn’t show on the app until Saturday, almost a full 48 hours after I actually got paid. The app also wants you to allocate EVERY dollar that shows, including income, which can be difficult to figure out. I clearly classified something wrong because the amount remaining the be budgeted was way off so I “started fresh” with a new budget. I did that Saturday and as of Tuesday at 5pm, my accounts and transactions still have not updated 😡. I really want to love this app and use it, but it’s got to update more frequently in order for it to actually be effective. It doesn’t help to create a budget AFTER you’ve already paid your bills 😕
  • Love this app, but one thing missing

    By AustinSego
    YNAB is an excellent platform for budgeting. The one thing I wish the app had, though, was an extra layer of authentication (i.e passcode, password and/or Touch ID to open app) If I happen to leave my phone sitting around unlocked — an unlikely scenario, but still possible — I don’t want someone to be able to just open YNAB and look through my transactions and other financial info. Every other financially-related app I have has this feature. I don’t understand why YNAB doesn’t. Seems like a pretty easy thing to integrate.
  • 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.