YNAB

In-app purchases
4.7
22.1K reviews
1M+
Downloads
Content rating
Everyone
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About this app

Where does all your money go? Exactly where you tell it to!

If you’re like the average YNABer (just AVERAGE), you’ll save $600 in the first two months. And $6,000 in the first year. But you might experience something much more powerful than a growing bank account balance or paid off credit cards: 92% of YNABers report feeling less stressed since starting YNAB.

Every dollar represents you—it’s the product of your energy. You work too hard for all that to go to waste. We’ll show you how to give every dollar a job, so your paychecks are working toward your priorities and values, your wants and needs, your work and your play. Your money is your life. Spend it well with YNAB.

Start your one-month free trial today!

Features:
BUILT FOR PARTNERS & FAMILIES
-Up to six people can share budgets on one YNAB subscription
-Simplifies sharing finances with a partner
-Cheaper than couples counseling


PAY OFF YOUR DEBT
-Loan planner tool
-Calculate time and interest saved
-A debt-paying community to cheer you on


IMPORT TRANSACTIONS AUTOMATICALLY
-Securely link financial accounts to bring in transactions
-Option to add transactions manually
-Experience the oddly satisfying routine of categorizing transactions


NO ADS
-Privacy protection
-No in-app ads
-No third-party product pitching. Ew.


VIEW YOUR FINANCIAL PICTURE ALL IN ONE PLACE
-Net worth report
-Spending breakdown
-Income vs expense report


SET & REACH GOALS FASTER
-Track expenses
-Set spending targets
-Visualize progress as you go


REAL HELP FROM REAL HUMANS
-Award-winning support team
-Free live workshops
-Real people (who aren’t perfect either)


Your money is your life. Spend it well with YNAB.

Free for 30 Days, then Monthly/Annual Subscriptions Available

Subscription Details
-YNAB is a one-year auto-renewable subscription, billed monthly or 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.

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:
https://www.ynab.com/terms/?isolated

Privacy Policy:
https://www.ynab.com/privacy-policy/?isolated

California Privacy Policy:
https://www.ynab.com/privacy-policy/california-privacy-disclosure?isolated
Updated on
Jul 7, 2025

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

4.7
21.5K reviews
Eysana Jones
August 25, 2024
This is my second time trying YNAB and I think I finally got it together. the app works pretty well I prefer working on the desktop though. the program is good for managing my money and budgeting seeing where all my dollars are going from my various checking accounts. I'm looking forward to seeing what a year's worth of data looks like.
49 people found this review helpful
Did you find this helpful?
ynab.com
August 26, 2024
Hey Eysana, love this! I have a similar story — it took a couple tries to really get YNAB and see how my many accounts could fit into a larger plan. Can't wait to hear what insights you learn over time! ~ Lauren @ YNAB
Isaac Doub
July 1, 2025
YNAB is a great budgeting ecosystem. From the educational videos, to the bank integrations, to the review and accounting features, it "just works" for my budget and finances. It takes the "every dollar" approach to budgeting without demonizing credit cards. The app specifically puts everything I need on a daily basis, right at my fingertips without an overly complex UI and the widget allows me to view the remaining amounts in each of my top categories without even opening the app.
2 people found this review helpful
Did you find this helpful?
ynab.com
July 2, 2025
Thanks for your review, Isaac. I'm glad the YNAB app and learning resources help give you clarity and peace of mind. Please know our Support team's always happy to give custom advice too! ~ Lauren @ YNAB
Frank Doughty
May 13, 2025
Horrible customer service! The service is not worth the money. I was a paying customer for a few years. I started off as manually entering my expenses but got tired of it and moved over to the direct bank link. The manually entry is tiresome and I can do that with free apps or a spreadsheet. The direct link worked well for a while but I had issues here and there with it not pulling data over. Lately I have been down for 3 weeks without a single bank transaction updating. I canceled it.
7 people found this review helpful
Did you find this helpful?
ynab.com
May 14, 2025
Hi Frank, thank you for posting this! We're glad to troubleshoot bank connection issues. That said, if you reached out to our team already and had a poor experience, we want to know more—would you be up for writing in to help@ynab.com with any feedback you have? ~ Lauren @ YNAB

What’s new

We’ve squashed some bugs and updated some code so that you can keep aligning the way you spend with the way you want to live. Notably: 
- We gave the sign-up screen a little makeover—it now matches the rest of the app’s vibes.
- Keyboard login is now crash-free for a smoother start every time.