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

YNAB completely changed my life. I've been using it for almost two years, and in that time I've paid off nearly $20K of debt and have more savings than I've ever had in my life. It takes a little getting used to, but the support is INCREDIBLE; they'll seriously help you with whatever you need. The mobile app has *almost* all the functionality of the web interface. It'd be nice to see account reconciliation and payee management. All the core functionality is there, though; for everything else, there's the web interface. Seriously if you're struggling with *anything* just reach out to support; you won't be disappointed.

YNAB has changed my life. Period. If you feel like you never know where all your money goes and are constantly struggling with bills then get this app. Have been a user way before they even had an app, back when it was more an Excel sheet on crack. But the app makes everything sooo much easier. It literally takes seconds to input a transaction. The app also saves the location of the last Payee. So when you leave your grocery store and pull up the app, it will have all the right information already in there, you just need to input the amount and press save. I am from Europe so I don't even have the option to automatically input transactions and I STILL would recommend this app. Get it. Don't look back.

simply the best for budgeting. I have tested half a dozen other softwares and services, none come close to ynab. Ive already transformed my budget and have changed the way i handle my financials. factoring in the annual cost its still well worth it. Pay about 8 a month to completely transform and end up saving hundreds if not thousands, thanks to the awesome functionality of this app.

What's new

Now when you tap on the newly-named Reflect tab, you’ll see Spending Breakdown. Tap on this reflection to see a breakdown of your spending by category, with visuals and percentages to help you reflect on your past and inform your future spending decisions.

View your Spending Breakdown by month or select a preset timeframe, and tap on a category to see your transactions for extra clarity. We also gave Net Worth and Age of Money a visual refresh to help you reflect on your journey.