YNAB

ynab.com

In-app purchases

About this app

Where does your money go? Frustrated you aren’t getting ahead? Entirely unsure about your future? You’re asking the right questions but the world has taught you to think about money all wrong. You aren’t broke, but your money mindset is. It’s time to change your relationship with money and enjoy your spending.

Don’t settle for a life of constantly second-guessing your spending decisions, your progress, and your future—trapped somewhere between defeated, embarrassed, and overwhelmed. There is another way.

You need a set of habits to change your mindset and your behavior, until you are spending purposefully, saving aspirationally, and even giving generously.

YNAB has taught millions of people a set of habits to change their relationship with money for good. As these habits become second nature, you’ll stop fighting about money, make better decisions, and sleep better at night. Confident, secure — are you ready to feel this way about your money (and so much more)?

Start your one-month free trial today!

Key Features:

Built for Partners and Families: A close-knit group of up to six people can share budgets (and dreams!) at no extra cost.
Manage your Loan Payoff: Tackle debt by calculating the time and interest saved with every extra dollar paid.
Expense Tracking: View changes to your budget in real time to simplify sharing finances with a partner.
Goal Setting: Turn your dreams into categories, set spending targets, and visualize your progress as you go.
Credit Cards: You'll always know whether you can pay off your credit card balance. If not, we'll help you make a plan to get there!
Import Income & Expenses: Add transactions manually or securely link accounts to view your big financial picture in one place.
Spending & Net Worth Reports: See your spending averages (down to the cent) and your growing net worth in full technicolor glory by slicing and dicing your data.
Privacy Protection: We don't (and won't) sell your data. We don't host in-app ads or pitch recommended products. It’s never been our thing. Ew.
Resources Galore: Our award-winning support team is eager to answer your questions and a wealth of free resources, including live workshops, video courses, written guides, and more.

Love how you spend and celebrate how you save. YNAB and its simple set of habits will help you spend purposefully, save aspirationally, and even give generously.

How do you want to spend your money, or more importantly, your life?

Free for 30 Days, Then Monthly or Annual Subscriptions Available

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

Your Privacy Choices
https://www.ynab.com/privacy-policy/opt-out-request/?isolated

Ratings and reviews

Years later tried to learn YNAB. It absolutely is the most infuriating program I've ever tried to wrap my mind around. I spent an entire day building all my categories perfectly. I have three checking accounts. One checking account specifically for car payments. Every time I would assign funds from that accounts to the car payment category, that category would still show that I needed to fund the entire category. But I'd see a yellow line and my total funds would drop. ZERO SENSE

first of all, it's a good app for personal budgeting. the reason for the low rating is because the classic version, which had all of the relevant features and could be purchased once and used indefinitely through Google drive was sabotaged. They realized they could make more money by making it a subscription so classic suddenly stopped working & people, who had already paid for and were content with classic , had to switch over and add a new budgeting category to pay for a subscription.

Confusing, subscription is expensive for occasional use. The basic budget functions are okay, but trying to move beyond that into a 5 year plan is impossible. The app isn't at all intuitive for me, and I don't have the time or patience to devote days learning a new method. This is supposed to make life easier. Maybe I chose the wrong app.

What's new

New accessibility options are here! Now in Settings > Display Options, you can choose your Balance Style without color—perfect if you need a non-color-based way to identify your Available amounts. New borders will quickly communicate whether your category is fully funded or under-funded. Already on web and iOS, now Android joins this accessibility party!