YNAB (You Need A Budget)

In-app purchases
11K reviews
Content rating
Screenshot image
Screenshot image
Screenshot image
Screenshot image
Screenshot image
Screenshot image

About this app

Your money doesn’t have to be messy. Get a handle on your personal finances by budgeting with YNAB—a proven method and budgeting app that gives you real results. On average, new budgeters save $600 in their first two months and more than $6,000 their first year.

Pay off more debt, grow your savings, and reach your goals faster. See a complete view of your personal finances. Gain total control of your money with YNAB. Try it free for 34 days.

Bank Sync
Securely link your accounts and see your complete financial picture in one place.
Real-Time Expense Tracking
View changes to your budget in real time across devices, making it simple to share finances with a partner.
Loan Calculator
Find more money and motivation for your debt payoff with our loan planner tool. We’ll calculate the interest and time saved for every extra dollar put toward debt.
Goal Tracking
Turn your financial goals into reality with our powerful goal-setting features. Create categories for your financial goals and big purchases, and see your growing progress at a glance.
Spending & Net Worth Reports
Visualize your spending and progress with budget reports. See your average grocery spending (down to the cent) and your growing net worth in full technicolor glory.
No Ads
We don’t (and won’t) sell your data. We don’t pitch you recommended products in-app. When you open your budget app, it’s just that—your budget.
Award-Winning Customer Support
Ask our extremely friendly, incredibly helpful support team your budgeting questions anytime via email or live chat.

Feel Better About Your Money
Tired of timing bills to pay day? Frustrated that you make OK money, but have nothing to show for it?
The YNAB budgeting app and its simple four-rule method will help you demolish your debt, save piles of cash, spend without guilt, and reach your financial goals faster.

Free for 34 Days
Monthly or Annual Subscriptions Available.

Terms of Use
Privacy Policy
Updated on
Jul 26, 2022

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.
No data shared with third parties
Learn more about how developers declare sharing
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
11K reviews
August 8, 2022
I heard good things about this app but have to say that it is lacking some pretty huge things. You're not able to configure things for bi-monthly or every two week billing cycles. Also, the set up was a bit troublesome. When you link accounts you should have the ability to assign them at that time. There's no relationship between the budget and the accounts. Glad I only did the trial and was able to figure it out before that steep subscription fee (which is too expensive in my opinion).
8 people found this review helpful
Did you find this helpful?
Simon Tice
August 12, 2022
fantastic app, I've loved the built in reports, ease of use, customizeability, seamless interconnectivity with MOST banks, and tons of supporting material to help you stay on track. using YNAB I was able to reduce my debt to 0 in a year's time, and age my money from 0 days to 85! couldn't recommend it more strongly to anyone looking for a solid budgeting app.
Did you find this helpful?
Meg Lang
June 5, 2022
I signed up for this service two years ago, and since then I have managed to pay off all my credit cards, pay for a wedding and get a new house! It really helped to curb my spending habits seeing exactly where my money goes and what my real priorities are. This app goes really well if you signed up for YNAB. I especially find helpful how the notification that says I'm over budget on any line item stays active in my notifications bar until I fix it.
75 people found this review helpful
Did you find this helpful?
August 4, 2022
Hi Meg! Thanks for taking time to leave us a 5 star review! Congrats on getting married, the new home, and paying off all your credit cards, wow!!! We're so so glad that YNAB played a part in all of those life events, and for letting us know that you like the overspending notifications. Happy Budgeting! -Caitlin P @YNAB

What's new

Hot off the griddle! The outflow/inflow toggle has flipped itself into a new format on Android. If you recall (and were drooling) when this update was made for iOS, be hangry no more. We’re dishing it up for our Android crowd too. Instead of seeing a +/- button, you’ll see a more user-friendly toggle to assign money as inflow (green!) or outflow (red!). This update makes it easier for new YNABers and Budget Nerds alike to give every dollar a job. Yum.