YNAB (You Need A Budget)

In-app purchases
12K reviews
Content rating
Screenshot image
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
Nov 30, 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
12K reviews
Edward Nagurny
November 26, 2022
Just absolutely terrible once an item is categorized you're locked out from ever seeing it again. So if you put it in the wrong spot it's gone forever screwing up your budget. Edit: You are actually able to find your transaction buried in a sub menu of details, which is just terrible organization. Instead of opening your spreadsheet and tapping on a category you need multiple directions to get where it's logical to go.
6 people found this review helpful
Did you find this helpful?
Dan Fox
October 28, 2022
Used to love this app, but I can't justify their price increase ($100 for a budgeting app is out of control) for an app that has bugs and constant syncing issues, not to mention some of the least useful reporting I've ever seen in a budgeting app. They say they had to increase their price to improve the app and service, but it's gone in the opposite direction. The worst part is that the price increase was communicated poorly. I didn't even know until I was charged. I'll be looking elsewhere.
58 people found this review helpful
Did you find this helpful?
Robert Foster
October 23, 2022
I've used differed budgeting tools over the years and I have found ynab to be very helpful. For past five months though it has stopped importing transactions automatically from both my credit union and major bank credit card. I have removed and reconnected accounts several times through Plaid and still nothing comes through. Support hasn't been much help. Since I'm entering transactions manually and the subscription rate has increased to $100 I'm likely going to be moving on.
33 people found this review helpful
Did you find this helpful?

What's new

Sure, the days may be getting shorter but so is the process for adjusting your loan accounts! Now, by the glow of your Android screen, you can see and edit details of any loan account.

Also, to keep your transactions cozy and organized, this update allows you to name your transaction flags with labels like “Tax deductible,” “Ben’s stuff,” or just about anything. One last update before bed, you’ll now find it easier to view transactions you’ve recently added. Happy hibernating.