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
  • Adult Rating: 4+
  • File Size: 77.64 MB
  • Developer: You Need A Budget LLC
  • Compatibility: Requires iOS 10.0 or later.
Score: 4.5
From 10,206 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



  • Useful app but.....

    By stasney
    Useful app but imported transactions from accounts /bank are always mislabeled in YNAB! I’ve contacted them more than once and they acknowledged the problem but it’s never been resolved in over 2 years!! I put up with it but shouldn’t have to. Get it right YNAB and I’ll gladly give you 5 stars!!
  • It’s great UNTIL...

    By ashpenaz
    This company will tell you to buy this version and you will be set. Just pay the subscription, however, as soon as they have squeezed all the money they can get and start longing to richer they will announce a new version. There won’t be any substantial changes mind you...just cosmetic. They won’t support your version and they will make it impossible for you to use your version forcing you to upgrade to a more expensive version. Just watch and see. I loved YNAB but as a senior citizen they have bypassed all the loyal original purchasers for money. I can not afford YNAB. So it is rather less than helpful. Thanks YNAB.
  • Frustrating

    By vilerat
    This app is absolutely infuriating. I want to like and use it because it’s a great concept however it’s the single most frustrating thing I’ve ever laid hands on. IKEA assembly instructions aspire to be this unintuitive and maddening. “There’s a learning curve” is a severe understatement. To make things worse I finally sort of understood it and made a minor error. If anything is slightly off there’s a bright red bar on the top of the app screaming for attention. It makes sorting out the budgeting problems even more difficult than they already are. It has potential but seriously needs an overhaul because it’s near unusable. The only reason I’m not deleting it a day after wrestling with the infernal thing is because I really need to get a budget that works for me. A+ concept but the execution makes me think I’ve died and am being punished in purgatory.
  • Great idea but absolutely terrible bank connections

    By Avi Warner
    I like the concept, and it’s a great idea but absolutely terrible bank connections make this very hard to use. Syncing is awful, rarely works, and some accounts simply can’t be setup. The same functionality on another solution tried worked quickly and flawlessly so I’m not keen to blame the bank here. More attention needs to be paid to these features.
  • YNAB is the best budgeting system

    By Jwalthour
    You Need A Budget (YNAB)! I know my wife and I sure do. And YNAB is it. Envelope budgeting is something we’ve been doing for years. We’ve used Moneywell and Mvelopes, but YNAB, by far, is the best of them. It’s easy to use, very well thought out both from a conceptual “how to do envelope budgeting right” point of view and an “app development” point of view. If you use envelope budgeting, give YNAB a serious look-see. If you don’t have a budget, YOU NEED A BUDGET. And a note on two previous reviews. First, the YNAB subscription is $84 a year, not a month. RTFM! And the iPhone app is primary intended for transaction entry on the go. If you want to run reports, use the web interface. The right tool for the right job, folks.
  • Great app... couple suggestions

    By blueute04
    Love this app. Has helped my wife and I to increase our savings, net worth, etc. A couple things would help knock it out of the park: 1. More encryption! Needs 2FA. Surprised that a budgeting app would not have it, given how sensitive the information is. Banks do it. Probably worth enabling passcode/faceid/touchid for the app specifically as well. 2. The app should have active import and reconciliation tools. I would be so much more effective if I could perform these any time, anywhere.
  • Confusing

    By Boggiefred999
    This application is much harder and frustrating to use than most. After using it for 2 months I have to sat that I cannot recommend it.
  • Lacking funtionalities

    By Pathofwind
    Compared to the web app, the app here is too barebone. The app is only good for entering spending. Please add Spending Reports and Account tracking features to mobile too.
  • The best

    By Macguy123
    The best budgeting and finance app by far. It has been transformative.
  • The Backbone of my Finances

    By Esther Rose
    I discovered YNAB while paying off my debt. Spoiler alert: using YNAB was a BIG success - I paid off about 60K in under three years, largely due to how YNAB helped me to plan my spending and to assign more dollars to debt payments. I highly recommend YNAB to ANYONE who wants to be more aware of and intentional with their money. It’s SO easy to use, and the app is AMAZING. Sincerely, YNAB-Er for Life