In-app purchases
18.3K reviews
Content rating
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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:

Privacy Policy:

California Privacy Policy

Your Privacy Choices
Updated on
May 8, 2024

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 and Device or other IDs
This app may collect these data types
Location, Personal info and 4 others
Data is encrypted in transit
You can request that data be deleted

Ratings and reviews

17.7K reviews
Ian Adams
May 17, 2024
It is by far the best budget app I've used. I've been using it for years now. Best feature is, most budget apps will simply go into the red for a line item. But still let you think you have enough in another budget. But you don't, since you're in the red. YNAB encourages you to move money to keep things out of the red. I was able to easily onboard my wife when we started sharing expenses. Price for a year is respectable. I don't see myself ever using anything else.
1 person found this review helpful
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Ted Kunhardt
May 4, 2024
It takes some getting used to, but I wouldn't use ANY other budgeting app. It's impossible to go over budget with the methodology. Everything syncs and rolls up clean (even if you don't understand why at first). Makes you think about money differently. I believe the methodology is rooted in double entry accounting, but it's woven into how the app calculates your transactions and presents the money you have left. Fantastic!
11 people found this review helpful
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May 7, 2024
HI Ted, I'm glad to hear that you've found YNAB to be so helpful! IF you \(or anyone else\) gets stuck with getting started or if you have any questions, please feel free to write to us at help@YNAB.com, we love the opportunity to help out! ~Phil@YNAB
Shreyas Patil
May 7, 2024
It is a little intense. Persevere through it and a healthy future awaits. It is easier if you single doing one budget for yourself. You have to think a lot harder if it is a household budget you plan to share with a partner. It forces you to think where your money is going. As for the app. The team has worked really hard to make the app as easy as possible. The support staff is very helpful to walk you through your problems. A+ support, not just app but also web. We have had multiple sessions.
2 people found this review helpful
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May 7, 2024
HI Shreyas, Thanks for sharing your thoughts! We'd love to help out if you run into trouble using the app alone or with another member of your household! If you have any questions, share them with us at help@YNAB.com ~Phil@YNAB

What's new

This update fixes an issue with balances sometimes not updating immediately.