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: 2.7.1
  • Adult Rating: 4+
  • File Size: 78.95 MB
  • Developer: You Need A Budget LLC
  • Compatibility: Requires iOS 10.0 or later.
Score: 4.5
From 11,268 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



  • Life Changing Budget App and so much more

    By BagelLvr
    This app and the supporting website offers a simple life changing approach to proactively budgeting and not just tracking income and expenses. You simply give ever dollar a job when it comes in and put money aside for what’s coming up both expected and unexpected. Easy to learn and tons of get started videos and live-streaming events. Search the term YNAB Broke just for fun! It’s when your cash accounts have lots of dollar but they’re all accounted for...so its beans and rice and Netflix for fun tonight!
  • Don’t try it

    By cbnyny
    The program serves no purpose, is obscure, and is a scam to collect $90 that you cannot get reimbursed as soon as you get charged (I contacted customer service of ynab and apple less than a few hours after I realized the size of the charge and was told a refund was not possible. $90 for giving a Dumb product a chance! Way to budget!)
  • Good product by a great team

    By Drak Lac
    It is a great product with good functionality and a very helpful support staff. I have contacted ynab support a few times now via both email and in app chat. On each instance the representatives were thoughtful and helpful. They both answered my questions and directed me to additional resources on the subject. All told I am quite pleased with the product.
  • This is the budget app you have been searching for!

    By Crushed Candy Player
    I’m 63 and thought I was pretty good at managing my money. I’ve learned some new tricks and feel even better about my skills now. I’ve been recommending the app to everyone!
  • DO NOT DOWNLOAD - Does not work

    By hdhhdh7773636
    Does not download transactions. You have to manually input everything. That defeats the whole purpose??? Why not just use a checkbook lol
  • Amazing

    By Doublecsuu
    I love using YNAB. It is easy and quick to use. It is the first time my wife and I agree on a way to budget our money.
  • Great budgeting software, customer service rocks too

    By S. Smith.
    Takes a few to switch your mind on how YNAB works compared to other budgeting software, but the video tutorials out there really help. While I was only a few days into my trial I had a import issue with a bank that would have prevented me from keeping the software, wrote to customer service and they replied immediately and had a fix in less then 2 days, uh-maxing! Based on that I was determined to push past the learning curve and give the software a real try. I love it! Only reason for my 2 stars is that one of my banks keeps having time outs on pulling data. Also, my husband and I have the credit cards from the same bank, so sometimes it mixes up which card a payment went to or which card a charge came from, not to difficult for me to fix manually, but I definitely have to be aware if it seems off.
  • Better for daily life and budgeting than Quicken

    By Cassie16.2
    AWESOME!!! Been using it for 4 years and we now stay on budget every year! I’ve used it for my business for the 4 years and my accountant said to move to Quickbook....3 months later I’m back to YNAB because I couldn’t easily figure out how much I had left to spend in certain areas. I wish there were more “reports” but it’s still much better than Quickbooks!!
  • Love the system, but just ok

    By tonyo05
    I love YNAB but the app is just okay. Transfers between accounts are really hard to categorize in the app, and have gotten my budget way out of wack trying to do so in the mobile app. This is much smoother in the web site.
  • best budgeting tool i’ve found

    By i.togusa
    YNAB is an excellent budgeting tool and reduces the friction enough for me to keep things current. while i miss the classic desktop version and the ability to take a birds-eye view of my budgeted amounts and spending over several months at a time AND i don’t like not being able to work on my budget offline, YNAB is an excellent budgeting tool and reduces the friction enough for me to keep things current, the ability to import recent transactions from my banks mostly make up for it.