YNAB (You Need A Budget)

YNAB (You Need A Budget)

By You Need A Budget LLC

  • Category: Finance
  • Release Date: 2015-10-20
  • Current Version: 2.6.1
  • Adult Rating: 4+
  • File Size: 76.75 MB
  • Developer: You Need A Budget LLC
  • Compatibility: Requires Android / iOS 10.0 or later.
Score: 4.5
From 3,405 Ratings


YNAB—Budget, Personal Finance, Expense Tracker YNAB will help you break the paycheck to paycheck cycle, get out of debt, and save more money. On average, new users save $600 in the first two months, and more than $6,000 in the first year. Try it free for 30 days. Key Features: Bank Synching—Easily connect all your accounts in one place. On the Go— Realtime access to all your data makes it simple to share finances with a partner. Debt Paydown—The tools and teaching you need to help you get out of debt for good. Goal Tracking—Set and track goals to reach them faster. Reporting—Detailed, visual spending and trend reports help you measure progress and improve. Personal Support—Our friendly support team is available around the clock via email, live chat in the app, and offer 100+ free, live workshops every week. Customer Testimonials: “YNAB is the first budgeting app I’ve ever used, stuck with, and that has made sense. Absolutely love it!” -- @brennandunn “I never, ever, ever thought I’d see this, and yet here it is: CREDIT CARD BEAST DEFEATED! Props to @YNAB which helped me get it done!” -- @taber “3 years ago I started with YNAB, the goal was paying off all my debt. With YNAB, I was able to double the goal! Bye, financial stress!” -- @HancinGaming “I just don’t know what I’d do without YNAB. I’ve never been so financially aware in my life.” -- @janejoneslives “I’ve been using YNAB for over 2 years, and in 23 days my fiance and I will be paying for our wedding without any loans because of YNAB. Thank you!” -- @Thai_Jonny You’ve Never Budgeted Like This Before YNAB is unlike any personal finance app, expense tracker, or money management system you’ve tried before—because it works. The powerful combination of award-winning apps and a proven method—YNAB’s Four Rules—has changed the lives of hundreds of thousands of people by teaching them to get control of their finances, stop stressing, and live the life they want to live. A Proven Method—YNAB’s Four Rules Rule One: Give Every Dollar A Job | Be intentional about what you want your money to do before you spend it. Rule Two: Embrace Your True Expenses | Break up larger, less frequent expenses into smaller, manageable amounts. By saving monthly for insurance premiums, holidays, or car repairs, when the time comes, your money is ready and waiting to do its job. Rule Three: Roll With The Punches | When life changes, so must your budget. Make adjustments and move along. Flexible budgets succeed because they’re guilt-free, realistic, and sustainable. Rule Four: Age Your Money | As you repeat the first three rules, you’ll increase the time between earning a dollar and the moment you need to spend it. When your money is at least a month old, you’ll have finally broken the paycheck to paycheck cycle for good. Free for 30 Days, Then an Annual Subscription Subscription Details - YNAB is a one-year auto-renewable subscription, billed annually. - Payment will be charged to iTunes Account at confirmation of purchase. - Subscription automatically renews unless auto-renew is turned off at least 24-hours before the end of the current period. - Account will be charged for renewal within 24-hours prior to the end of the current period. - Subscriptions may be managed by the user and auto-renewal may be turned off by going to the user’s Account Settings after purchase. - Any unused portion of a free trial period, if offered, will be forfeited when the user purchases a subscription to that publication, where applicable. Terms of Use: https://www.youneedabudget.com/terms/?isolated Privacy Policy: https://www.youneedabudget.com/privacy-policy/?isolated




  • Please update this app!!!

    By MilMike
    Love the YNAB system and book. Please, for the love of all that is holy, update this iPad app for the new iPad Pro’s! The black screen space on the side is driving me batty. Also, it would be great to be able to search transactions. I do most everything in the iPad and I hate having to go to my MacBook when I need to hunt down a specific transaction
  • 5 years

    By Niccarwri
    Been using YNAB for 5 years. Better than therapy at putting my mind at ease about money.
  • Exactly what I was looking for

    By Moki tree
    The YNAB “system” is exactly what I was looking for to help my wife and I organize and track our budget/spending/goals. Tried other software/apps like Quicken, Personal Capital, Mint and a few other lesser known but always ended up going back to my old Excel + Dry Erase board system. Was debating between YNAB and EveryDollar and decided to try YNAB first, initially because it was cheaper (though not by much now) and also based on online reviews. I found that YNAB just clicked for us so never got around to trying EveryDollar ... been on YNAB for almost a year now. There are a few things that take some getting used to and a certain level of granular/auditing detail that I feel is missing, but these “wish list” items are way overshadowed by YNAB’s simple and pragmatic approach and overall user experience. The mobile app is functional and provides all of the features you need when you are out-and-about. Geotagging places we frequent (grocery stores, coffee shops, etc) and remembering the category and spending account I last used at that location make recording spending quick and easy. You can also quickly check your budget’s status because it syncs all updates to the cloud near instantly. The only downsides I’ve run into with the mobile app are that you can’t reconcile (at least not at this time) and you can’t undo actions. For those features (and a few others) you’ll have to go back to a desktop browser - I’ve tried on IE, Edge, Firefox and Chrome and haven’t run into any issues. Also automatically syncs (imports) transaction from your bank account at regular intervals with very few (if any) hiccups. At the end of the day, the “best” system is the one that accomplishes the mission and is efficient/easy for all to use. YNAB met the criteria perfectly for us.
  • Love YNAB since 2014

    By Ralph Russo
    The new updated version is fantastic! I’m retired and it is invaluable to living on a fixed income. 👍🏼👌
  • I can’t stress enough how wonderful this is.

    By Jeffwestbolivia
    I have spent the last few years with this app and the classic version it is hands down the best budgeting software out there. I volunteer my time helping people put their finances in order and have tried to work with other apps. The people that have had the most success use YNAB. It has made the difference for me and my family being able to stay with the program. Take it and run with it. You will be so happy you did!
  • Perfect if you like budgeting

    By alcatholic
    If you like budgeting but find your spreadsheet labor intensive, or the “tracking” apps unsatisfying in ways that might be hard to explain, YNAB will feel like coming home… as you start it couldn’t be simpler, as you get momentum it couldn’t be more fluid and efficient, and soon it does everything you think you want to try. The app doesn’t make you look back and put in all the effort to just tell you where you’ve been financially. It helps you see your future money choices, answers questions or concerns about your future money choices, and gives you confidence that once the app says you can do something there is no doubt. You can spend that money you set aside for braces and not think twice how or if it will affect next summer’s vacation. It’s fundamentally sound in its concepts and remarkably bug free, so I have zero frustration using it. The pay off for the effort in using the app is instant and high over time, too. It removes the guess work on purchase timing or mental accounting common with budget apps that give you budget category “goals” based upon “expected” or future income. That way lies madness! YNAB’s way is certainty and confidence.
  • Life changing

    By swimgal978
    YNAB has been absolutely integral in me becoming aware of my money, and especially learning how to spend on stuff I really do want and save on the rest. The app is great, and on the few occasions I’ve needed to contact Support (mainly because I was trying to do tricky things and couldn’t figure out how), they were awesome! This system definitely has a bit of a learning curve because the style of budgeting is not the same as some others. That said, it’s absolutely worth it.
  • Solid budgeting tool, hope they build on it

    By Spencer Rogers
    YNAB is a great way to give every dollar a job and to make sure you know the trade offs when making unplanned purchases. The UI and methodology take a little getting used to but it’s totally worth it. There is some room for improvement though, especially for the large price: 1. Reporting. On iOS this is seriously lacking. They only include net worth over time and age of money, neither of which help you to figure out where your money is going. There is a basic spending over time in the web app, but that’s about it. We could really use better reporting on spending trends, how often we deviate from the budget and where, which categories are the biggest problem areas, detection of infrequent but recurring expenses, etc. There is so much they could do here and they’ve left it completely empty. This is the most disappointing area of the app. 2. Budgeting UI. There’s no straightforward way to “plan” a budget. Many people like to work backwards, by looking at how much they expect to make each pay period and figuring out where to best allocate that money. YNAB is always in the now, which means it’s hard to build an accurate budget when the money comes in. They have some convoluted work around for this, but really it would be great to build a budget template, which is the default for every month but then can be adjusted as needed to “roll with the punches”. 3. Direct import. If it weren’t for this feature I’d probably using a free budgeting tool. It allows me to focus on the big picture and not get bogged down in entering transactions all day long and reconciling all the time. It mostly works but can be buggy. There are times when it’ll stop pulling in transactions and I need to go into the app and “reconnect” to my bank. This is simply re-entering my username and password. It’s not too bad but can get annoying when it happens multiple times a week, which makes you think you have more money than you do. It also skips transactions occasionally which can lead to incorrect numbers and is a pain to track down. I hope they improve this core feature. 4. UI. Some actions in the UI are just clunky. It would be great if I could quickly budget what I did last month. Or easily see what I’ve spent in any given category so far. It’s possible, just unintuitive. Same with editing goals. It would also be great if there were easier ways to update the budget categories and either have those bulk update previous transactions or leave them completely alone. If I want to add and remove some categories, all of a sudden all my previous tracking gets borked and I either have to look past it in reports or manually find and alter previous transactions to fit my current budget. This seems to go against the “budget for the now” philosophy. If I change how my budget works now, it shouldn’t mess up everything in the past. 5. Credit cards. This is a confusing process any way you slice it. Even after getting an understanding of the day to day, there’s always something that comes up that makes you hit your head against the wall. For example, you buy something on a CC and later return it. YNAB recognizes the credit to your account but it doesn’t help you figure out how to categorize that money. Should it be generic inflow? Should it go back to the category that it came from? What about the money it automatically moved from the category to your CC for the payment? No, it doesn’t automatically move it back. It just sits there and after a while you find all sorts of extra money budgeted to your CC when you don’t actually need to pay it. There are a ton of these “what do I do if” things that come up and they don’t help you via the UI to figure it out. Overall I find YNAB a good tool and it’s much better than some of the other tools out there, especially for envelope budgeting. I think there are a few improvements they should make to take it to the next level. I really would like them to take a more opinionated approach by helping users not mess things up. The tool is so flexible but it’s also easy to break things. I’d like it if many of the common tasks were more automatic and if they spent less time making that app flexible and more purposeful.
  • I love this app!!!

    By Relkriv
    Four years ago, I was about $30,000 in debt and money was evaporating out of my wallet at every turn. We spent $2000 more than my wife made one month (thankfully we had savings to cover that!) and my wife finally agreed that we need a budget! We started using YNAB and went from $2000 over budget to a month ahead on all our expenses, because we gave every dollar a job and were able to immediately age our money! With YNAB, my wife and I have much better transparency and communication about money, we’re more generous, putting 10% of our money in our donations category and actually donating it, and putting about 12% of our income away for retirement and a little bit each month for my daughter’s college! And most importantly to me, we are DEBT FREE!! I dragged my student loans around from age 18-34, and we paid them off in April. The app itself was an amazing improvement from the old app, and I LOVE budgeting on my phone in the morning while I drink my coffee. My only wish for the app is that reconciling could be a phone app feature as well.
  • Too many redundant clicks

    By scoutgator
    I’ve tried to hang in there but I’m done. Tiresome. The app needs to grow up. Technology has passed you a long time ago. Sorry.