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
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
Deirdre C
May 22, 2025
learning curve. comprehensive. nice to see all finances in one place. YNAB way is to put ALL monies available into a a pot called "ready to assign" and assign to various budget items from there. all well and good - unless you keep several different POTS. after a while - when monies are assigned you have to do sleuthing to figure out which POT that assigned money is stored in. Brokerage accounts are uploaded to tracking only - can't be used for budgeting
1 person found this review helpful
Did you find this helpful?
ynab.com
May 22, 2025
So glad you're getting a holistic view of your money with YNAB, Deirdre! We love the flexibility that pooling accounts together can offer, but we do have some tips to help make working with pots easier if you want to continue using this feature at the bank. Reach out to help@ynab.com anytime—we'd love to share those with you! - Caity @ YNAB
Erin Shamley
May 8, 2025
Credit cards are unnecessarily difficult to use. My Discover account and my checking account I use to pay discover both acknowledge payment amounts in matching +/- values, but for some reason YNAB wants me to manually record payment values that throw everything off. The help videos are unhelpful. Everything is so automated. Why is this even an issue?!
2 people found this review helpful
Did you find this helpful?
ynab.com
May 9, 2025
What you're describing doesn't sound like what I would expect you to experience with credit cards and direct import, Erin, and I can understand why you'd be feeling frustrated! Our Support team can help. Reach out using the question mark in the app and we'll dive in with you. -Blair@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.