YNAB: Budgeting & Finance

In-app purchases
15.5K reviews
Content rating
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About this app

YNAB is a simple method and budgeting app that has taught millions of people to change their relationship with money. Stop arguing about finances, quit doing mental math to figure out if you can afford stuff and start taking control of your finances.

Break up with your inconvenient (and old fashioned) budget spreadsheet for an all-in-one solution that acts as an expense manager, bill organizer, financial planner, debt demolisher, net worth tracker, and goal setting tool with YNAB, a money saving app based on a simple and proven method for managing your finances.

You don’t need someone to tell you how to spend your money. You just need a tool that offers a big-picture perspective of your finances so that you can stop wasting dollars on things that don’t matter to you and start spending intentionally on the things that do. YNAB can help.

Show your money who’s boss. Organize your finances (and your life!) with four simple rules for less money stress. Start your one-month free trial today.

Key Features:

Subscription Sharing: A close-knit group of up to six people can share budgets (and dreams!) at no extra cost.
Loan Planner: 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.
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. We make it easy to trust your budget.
Resources Galore: We have an award-winning customer support team eager to answer your questions and a wealth of free resources, including live workshops, video courses, written guides, and more.

Free for 34 Days
Monthly or Annual Subscriptions Available.

Terms of Use
Privacy Policy
Updated on
Sep 14, 2023

Data safety

Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region, and age. The developer provided this information and may update it over time.
This app may share these data types with third parties
Personal info
This app may collect these data types
Location, Personal info and 3 others
Data is encrypted in transit
You can request that data be deleted

Ratings and reviews

15K reviews
Aidan Phelps
August 3, 2023
My experience with this app over the last couple years has been overall very good. It definitely has a learning curve and I think it helps to be a bit financially/mathematically savvy already, but I found the YouTube tutorials to be very helpful, sometimes watching them a couple times. I have seen a great improvement in my finances since I started using it and sticking to a budget. I agree with another reviewer that having reports on the app would be nice.
39 people found this review helpful
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August 7, 2023
Hey Aidan! I'm so glad to hear that you've had such a great experience with YNAB over the past few years! Great work on improving your finances! Feel free to send that report request to our team here: https://youneedabudget.typeform.com/to/Pt6cek Keep up the great work! \- Kat @ YNAB
Misty Robbins
September 5, 2023
I've been using YNAB for years for a reason. It's the best budgeting app and budgeting system (at least for me). I simply could not wrap my mind around "forecasting" a budget where I'd guess at my needs and categories, then I'd get overwhelmed when things didn't match up. Enter YNAB where you give every dollar you have a job (and only those dollars), but it's so easy to move things around when needed. And the YNAB team is over the top! I would never be without this app.
20 people found this review helpful
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September 7, 2023
Thanks for leaving a review, Misty! It's so great to hear that the YNAB Method has helped you so much. Thanks for budgeting with us! \- Natalie @ YNAB
July 21, 2023
Long time YNAB user. Unfortunately as they increase the price they are vastly reducing the quality service. You can now only deal with them via a badly designed chat bot that does not allow free text just multiple choice boxes. The import feature that used to be highly accurate is now extremely bad, resulting in items ending up in categories they never should. Going to wipe and start again with another app.
44 people found this review helpful
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July 23, 2023
Hey BP! I'm sorry to hear you're having trouble with the chat! It will ask a few questions first, but then you can type out your question. If transactions are getting miscategorized, the bank may have changed something on their side \- chat in or email at help@ynab.com and we'll be happy to help! \- Kat @ YNAB

What's new

Roadwork ahead! Construction season is in full swing at YNAB. We’re filling little cracks in the code and repainting the pavement lines that keep you on track. Up ahead: a journey through the app that’s as smooth as a freshly paved highway. Feeling inspired to dig? Build a stronger financial foundation for fall by asking yourself what’s most important to you and adjusting your categories accordingly!