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: 2.6.3
  • Adult Rating: 4+
  • File Size: 76.79 MB
  • Developer: You Need A Budget LLC
  • Compatibility: Requires Android / iOS 10.0 or later.
Score: 4.5
4.5
From 8,682 Ratings

Description

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

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Screenshots

Reviews

  • Good app, but with a suggestion

    4
    By Scotteeboy
    This is a solid app, nice job. As an avid iPad Pro user, I’d really like to see split screen support. Currently, you can only blow this app up full screen. It doesn’t play nicely with other apps. That would be great if you could bring this feature onto the roadmap.
  • Go YNAB, Find Freedom

    5
    By MikeWhite29
    Once you commit to YNAB, consider yourself financially free. Those who think it cannot be, do not trust themselves.
  • The best!

    5
    By YNAB aholic
    Everyone needs YNAB!!! I love it.
  • Irresponsible Security / Major Risk

    1
    By WCXO
    It’s 2019 and YNAB still doesn’t have two factor authentication. It’s incomprehensible that an app that contains the total of all my accounts and finances, doesn’t have two factor authentication. They state that you can use your Google Login to provide more security, but even if that is enabled you can still use an email address and password that isn’t your Google login. It quite literally doesn’t provide any additional security.
  • Laughable

    1
    By Pgmolina
    1. Just read their private policy (they share way too much with third parties 2. Like other reviewers have said, this app has too much of a learning curve 3. Way too expensive
  • I recommend it to anyone I meet

    5
    By Robbie2323
    App is great and service is great. It’s the only budgeting tool I use almost every day
  • Best Budget App

    5
    By Jess7126
    I have been using this app for two years and it has helped me so much! I got the app when I decided to go back to school for a graduate certificate and I didn't want to pull out any more loans. Two years later I got my graduate certificate, I paid it all in cash, I paid down some of my debt, I saved for future expenses, and I have never felt so in control when it comes to money and finances. I recommend it to my mom and now she's been able to pay down consumer debt. I highly recommend this app.
  • Careful before you buy- good for single account low transactions

    2
    By BM-ATX
    This app seemingly is good for someone with one or two accounts and a level of transactions that they are comfortable going through all the time and comparing with YNAB Vs your account ledger. IMO, this app is an electronic way to balance a check book, nothing more. I made the mistake of adding all of my cash accounts and credit card accounts since I liked the function of credit card spend automatically going to your budget. However, the transferring around of money from one account to the other when paying is a nightmare in how it affects your “budget” on the application. Additionally, the auto function of reconciling accounts never works and my accounts were inaccurate most of the time. Another big problem with multiple accounts and banks is there is always connection issues that are blamed on the bank yet I ran mint along side and never had issues with Mint on same accounts. 30 day trial is NOT long enough for you to realize all the issues you will have with this application. Apple will NOT refund your $90 and YNAB will point you back to Apple. Be very careful on this tool, Mint is far better in every aspect and doesn’t cost you a dime.
  • Life changing

    5
    By thanybeth
    With YNAB, we have been able to pay off $67,000 + in debt! This system really helps make budgeting a piece of cake. It takes some trial and error at first, but it’s totally worth it. We feel in control of our money, and I love how easy it is to “roll with the punches”! Thanks, YNAB!
  • It works!

    5
    By pafnorcal
    I’ve been using YNAB for a year. There was a hump at the beginning in learning how to use it, but I did all the help seminars and used the chat feature to work out my gray areas. My goal has been to stop taking money out of retirement. I hung in there and it’s worked. I just paid a big monthly credit card bill, (not debt), and can cover all my expenses. This being able to move money around and see my income/expenses is very empowering. My nephew 29 and my brother-in-law 62 are both using it very satisfyingly. And we each have a very different financial snapshot.

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