YNAB

ynab.com

In-app purchases

About this app

Where does all your money go? Exactly where you tell it to!


“We started YNAB January 1st with $37 saved and ended the year with $42,000. Plus we paid $14,000 cash for a new roof.”
-Kyle, YNAB user since 2020


If you’re like the average YNABer (just AVERAGE), you’ll save $600 in the first two months. And $6,000 in the first year. But you might experience something much more powerful than a growing bank account balance or paid off credit cards: 92% of YNABers report feeling less stressed since starting YNAB.


“YNAB has removed the stress of money from my life and in doing so has helped make me a better husband. It's like I got to remove a personal flaw I had never been able to fix."
-Kyle, again. We didn’t even pay him to say this, but maybe we should.


Every dollar represents you—it’s the product of your energy. You work too hard for all that to go to waste. We’ll show you how to give every dollar a job, so your paychecks are working toward your priorities and values, your wants and needs, your work and your play. Your money is your life. Spend it well with YNAB.

Start your one-month free trial today!

Features:
BUILT FOR PARTNERS & FAMILIES
-Up to six people can share budgets on one YNAB subscription
-Simplifies sharing finances with a partner
-Cheaper than couples counseling


PAY OFF YOUR DEBT
-Loan planner tool
-Calculate time and interest saved
-A debt-paying community to cheer you on


IMPORT TRANSACTIONS AUTOMATICALLY
-Securely link financial accounts to bring in transactions
-Option to add transactions manually
-Experience the oddly satisfying routine of categorizing transactions


NO ADS
-Privacy protection
-No in-app ads
-No third-party product pitching. Ew.


VIEW YOUR FINANCIAL PICTURE ALL IN ONE PLACE
-Net worth report
-Spending breakdown
-Income vs expense report


SET & REACH GOALS FASTER
-Track expenses
-Set spending targets
-Visualize progress as you go


REAL HELP FROM REAL HUMANS
-Award-winning support team
-Free live workshops
-Real people (who aren’t perfect either)


“My wife and I can attest to the fact that the average budgeter saves around $600 in 2 months. We did! We love everything about YNAB except that WE DIDN’T START SOONER!!!!!!!!!”
-Gideon, YNAB user since 2019

"I never, ever thought I'd see this, and yet here it is: CREDIT CARD BEAST DEFEATED!”
-@taber

“I’m sleeping better now. Our arguments about money have magically evaporated.”
-Jonathan, YNABer (former Mint user)


"My fiance and I will be paying for our wedding without any loans because of YNAB."
-@Thai_Jonny

“A year of YNAB costs less than a massage and is a heck of a lot better for reducing stress.”
-Kat, YNAB user since 2016


Your money is your life. Spend it well with YNAB.

Free for 30 Days, then Monthly/Annual Subscriptions Available

Subscription Details
-YNAB is a one-year auto-renewable subscription, billed monthly or 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.

You Need A Budget UK Limited is acting as an agent of TrueLayer, who is providing the regulated Account Information Service, and is authorized by the Financial Conduct Authority under the Electronic Money Regulations 2011 (Firm Reference Number: 901096)

Terms of Use:
https://www.ynab.com/terms/?isolated

Privacy Policy:
https://www.ynab.com/privacy-policy/?isolated

California Privacy Policy:
https://www.ynab.com/privacy-policy/california-privacy-disclosure?isolated

Ratings and reviews

Long time user. Really a great app, for several key reasons. Having budget amounts synced across family phones makes it possible for us to really stick to a budget: before we always forgot to enter things and had outdated info on how much we could spend at the grocery store. YNAB downloads transactions and guesses at what budget they come from, and I can quickly go through and correct any mistakes it makes. This means the amounts remaining in those budget categories are likely to be accurate.

UPDATE: I want to love this app so much. It is perfect. However, throughout the years, the speediness of import is so frustrating. I have seen it update almost daily, to not seeing an update for multiple days. I have uninstalled, unlinked, relinked, reconciled everything. Adding transactions manually is not conducive to my lifestyle, plus I would use a MUCH cheaper app to monitor things manually if that is what I have to do.

I can't thoroughly enough describe the cult that exists around this app in both the fans and the staff. I get that they love it, I do. But they see no shortcomings, and it never improves be cause of it. If auto-inports don't work, we'll those are dumb anyway so don't use them. If your credit card isn't linking, they straight up suggest you cancel it so you can use the app properly. It's like an SCP, everything in service of the god-app.

What’s new

We love all things vintage—typewriters, cassette tapes, even Tamagotchi pets—but time marches on, and so must we! Starting now, YNAB requires Android 10 (released in 2019) or higher.

If your device is still rocking Android 9 or older, you’ll need to update your OS to enjoy our latest features and keep YNAB running smoothly. Consider it a chance to upgrade your spendfulness plan and keep moving forward with us!