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: 2.2
  • Adult Rating: 4+
  • File Size: 62.51 MB
  • Developer: You Need A Budget LLC
  • Compatibility: Requires Android / iOS 10.0 or later.
Score: 4
From 1,501 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/




  • Updated review

    By Gomi Girl
    I originally gave the app less than 5 stars, but the developers are so helpful and responsive I updated my review. It does exactly what I need it to do. I’m already sticking to my budget and increasing my savings.
  • Use it everyday

    By LAtrojan
    I’ve been using YNAB for years, and it keeps getting better. We’re fully in control of or spending, all our bills are on auto-pay, and money is now an almost stress-free part of our life.
  • I can’t live without YNAB

    By DotPdf
    I’m looking at a list of services that I pay subscriptions for and YNAB is among the few that I could never drop. I want this app to succeed and grow. New features and apps that adhere to modern design trends are a must - and YNAB excels in both. The app is beautiful, functional and I almost never have any issues with glitches or bank connectivity. I can review my recent purchases in a list and assign categories. There is a notification for overspent categories which I can easily allocate money from other categories and learn to anticipate more spending by that category in the future when I get my next paycheck. Overall YNAB succeeds in lots of areas... but there is one where it falls short terribly: The iPad app. Why is landscape orientation the only orientation? This is lazy design and really limits the usability of an app that is fixed in one orientation. The app should conform to both landscape and portrait views. This isn’t too much to ask is it? I mean YNAB is wonderful on the web and the iPhone... but it fails to live up to that reputation on the iPad.
  • Too complicated

    By azbuck66
    I have been desperately searching for an app to get my finances under control. This one isn’t it. Again, this is way too complicated and confusing. I feel like I need either a degree in economics or programming to use it. First, it keeps wanting me to budget my savings for expenses. This the exact opposite of what I want to do. When my bank shows a payment to a credit card or loan it doesn’t seem to do anything to the balance of the corresponding account. I don’t understand why someone can’t make a simple budgeting app. Maybe it’s time to go back to pencil and paper. At least the cost of those isn’t a budget buster like the cost of these apps.
  • Love this app

    By bryjenmun
    I really love this budget app. It’s easy to use, it’s intuitive, and it has so many features that a budget needs. I would suggest two tweaks: 1. The ability to hide or delete temporary budget categories (such as saving for a special event) without losing the history of that category forever. 2. Somehow make it more forgiving to change the amount of a budget category. I often find that when I am on my phone, it is too easy to accidentally make my change to the wrong line, and there’s no undo button. Once you start typing, it’s hard to se the line you are working on. Otherwise I commend this app, and recommend it all the tine.
  • Thank you for the update!

    By Addicted to budgeting
    An update for your app is one of the few app updates that I am excited to see! I’ve already noticed a couple of the fixes and they are SO helpful! Your app is just plain packed with good stuff! You’ve just thought of everything! Thank you so much! I love using the desktop (cloud) version too. Sometimes my phone screen is just not big enough. Kind of like being cramped in the car on a long car ride and it feels good to stretch your legs...and see my budget on a bigger screen. I like to visualize my budget and using YNAB is the best way to do it. I’ve tried so many other ways to budget the last 25 years...and none has been successful until I started using YNAB. I love the new cloud version. I got frustrated with YNAB 4 for several reasons and gave it a break (and used the free version of Every Dollar, which was nice to look at, simple and easy to use, and smooth in many ways but lacked a lot). When I tried YNAB again after about 9 months, almost everything I was frustrated with was fixed, and now about a year later, everything is fixed. I’m VERY impressed with your developers! Thank you for your hard work!! Make sure they see this!
  • YNAB is the best budgeting app out there

    By PrticulrJustice
    A friend turned me onto YNAB and our family has been spending more wisely ever since . Well worth the annual subscription in what you will save and be more aware of around your finances
  • Trial Period User

    By yahoouser88
    The app seems to be very thorough and I like the light hearted approach. Challenges include importing transactions - it is kluge and unreliable. From my desktop, it would not connect, but trying from my phone, it connected and readily imported. This aspect of the tool is the only thing keeping me from paying for the year’s subscription - it’s fundamental to the process.
  • Love the app, but not the iPad mobile version

    By Beck58
    Revised review — maybe it’s just my new iPad. I’ve been using YNAB on chrome under W10/Surface and just switched to iPad. YNAB won’t let me use the web version on the iPad. It force redirects me to the mobile app - ugh... I’m going to submit a help ticket to see if there’s alternatives. I need this app - it’s super. Just don’t like the Mobile only option on the iPad. —————————- I’ve used the app a while and yes I love it. But this upgrade… Really? Dark green on dark gray in a small font for totals “really pops” - really? Totals are the numbers you want to quickly reference and track - they should pop and IMO they don’t. Yes I use my iPad in the dark. My choice. I should still be able to read it. Turquoise on white and dark green on dark gray just doesn’t cut it for me. I guess I’m stuck between using the classic with it’s bugs or upgrading and fighting the UI. Bummer…
  • Security?? No TouchID

    By bcbeatty
    Please turn on Touch ID! This is the only financial app I'm aware of that Doesn't use touch ID and saves you passwords to not only the app, but also to credit cards and bank accounts. It would be a 4 or 5 star app once you implement Touch ID