YNAB (You Need A Budget)

YNAB (You Need A Budget)

By You Need A Budget LLC

  • Category: Finance
  • Release Date: 2015-10-20
  • Current IOS App Version: 2.9
  • Adult Rating: 4+
  • File Size: 52.52 MB
  • IOS App Developer: You Need A Budget LLC
  • Compatibility: Requires iOS 11.0 or later.
Score: 4.5
From 14,852 IOS App 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



  • Amazing Budgeting App

    By mlb504
    Highly recommend to anyone looking to save every last penny! YNAB knows their product has a bit of a learning curve and in doing so offers a free trial period to work out all the kinks of your budget!
  • I can work with this

    By Pinon Coffee
    The app does a good job of describing YNAB budgeting to the user. It’s by far the best budgeting app I’ve tried. It took some time to wrap my head around YNAB’s budgeting philosophy of giving every dollar a job, but it’s really working well. Recommend.
  • Purchase

    By TrinityD4773
    You have a free trial and then they want you to pay for the subscription, not thanks.
  • So helpful for getting a hold on your priorities

    By dealinwithdan
    I tell anyone who will listen that this app is fantastic. I want to say life changing because it really feels like I have much more control over my money. But it does take work. The more you use it, the more you see where your money actually goes and that makes you think more about where you *want* it to go (what “job” you want each dollar to have). And that pushes you to consider the tradeoffs between indulging in that meal out vs retirement fund vs that vacation you’re planning for. Basically, it prompts you to think about your values and priorities as actual things you put money towards — or don’t — and that’s good work for anyone to do. Some of my favorite features: *Automatic syncing with bank accounts and credit cards. Makes it super convenient to track money going in and out. All you have to do is categorize each new transaction, and YNAB begins to learn and do it for you automatically. *Target balance by date. Really helpful for figuring out how much you need to put towards a goal each month to stay on track. *Color coding by category: green = meeting goal, orange = under goal, red = unfunded transactions. Hitting green and zeroing out your balance feels like a game, making budgeting fun. *Customizable categories and groups. *The org itself has lots of resources and guides for making the best use of the app A few things I wish they’d improve: *Fewer steps to rename categories *Fewer steps to create and edit goals *A bug when re-arranging categories. Sometimes when doing this it somehow thinks you’re moving two categories at a time and messes up. I have to restart the app when it happens.
  • Need to improve syncing

    By lvo06
    Title says it all. I only get notifications after: opening the app, manually refresh each account and transaction, and then close the app. Then the transaction/notifications appear. If it doesn't do the above scenario. it takes the following day or two to import transactions. Using iPhone 8. Love the app and method otherwise.
  • Love this app

    By ohtobedebtfree
    I have tried so many apps trying to find just the right fit and always fell back to using free apps simply because they were free. I would always find myself frustrated just trying to use them. YNAB and it’s way of budgeting is like no other in so many great ways. The ability to set goals and see the progress is fabulous. Setting future transactions no matter how far away means I never have to worry about remembering them or budgeting the money to cover them because YNAB will take care of that for me. Thanks YNAB and your great customer service team because their work and response time is better than any company I have ever dealt with, budgeting or otherwise! I highly recommend giving YNAB a try, you won’t be disappointed!
  • Awesome Budgeting Tool

    By AlexPK497
    Great app and a powerful money management tool. 100% worth the annual subscription. Check out the website, tons of tutorials, training and support. Learn the 4 rules the app is based on as it differs from other “forecasting” style budget tools you may have seen.
  • Too complicated and yet restricting

    By lazspazz
    I used the YNAB classic for many years and loved it. My wife and I used it very simply as a method to track only our discretionary spending for each os us and also things like entertainment and vacation. Was “upgraded” by accident to this new version when the old one stopped working. I really dislike the new version. There is no way to simply create a handful of budgets for real-time tracking. Also very difficult to also review historical transactions by budget to check for double entries. For folks looking for complex solutions to easy problems this may be right for you. I will be searching for a simpler and FAR cheaper solution.
  • Awesome

    By Jassy Will
  • Horrific Speed.

    By abcdrg1689
    For the 21st century it is beyond sad that it takes 24 hours for linked accounts to show up. Waste of time False and misleading app description.