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: 2.7.1
  • Adult Rating: 4+
  • File Size: 78.95 MB
  • IOS App Developer: You Need A Budget LLC
  • Compatibility: Requires iOS 10.0 or later.
Score: 4.5
From 11,531 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



  • Portable, powerful, painless program

    By UnwittingSubscribet
    I love this budget program! I used to use Quicken, but just hated the cost and confusion of the routine “upgrades”. Never having had an accounting class, its underlying accounting “logic” confused me. But YNAB is user-friendly, “intuitive”, and easy to learn. Their online classes, short tutorials, and well-written “lessons” are delivered by an amazing group of folks. They are even available to help in real time so my learning curve has been steep. Best of all, YNAB has helped me get on top of and stay on top of my daily spending because I can carry it with me on my iPhone, enter my spending before I pocket my receipts, do a quick end-of-day review, and prepare for the planned and unplanned (!) spending for the days (weeks, months, and years) ahead. Check it out free for a month. You will be hooked!
  • Get it!

    By Jkljsdlkfjsl
    It’s been 7 years and I can’t live without it!!!
  • Calendar Request

    By abbylyn444
    LOVE the YNAB method! It has literally changed our lives. Thank you so much! Would like to suggest a calendar to be added for reference.
  • It works

    By Knopeh
    The first time I tried this system, I became very frustrated and quit before my free month was up. The second time I tried it, it clicked. When the tutorial said “our most successful users open them app multiple times a day to enter expenses,” I thought I would never do that. I thought that if budgeting was that much work, it wasn’t worth making myself miserable. Turns out, I now enter all my expenses on the same day I make them and it is a huge stress reliever. I think the phone app is better than the web page- though it would be nice to have the ‘undo’ button in the app.
  • Matching Older Transactions...

    By Jktcktt
    I love the app and the idea behind YNAB. It is a wonderful tool. I have one complaint about matching transactions. When I write a check, the person/company cashing that check can take weeks. When the check finally hits my account, the transaction does not see the uncleared transaction for the same amount if it is older than a couple of weeks. I have to manually change the date of the original transaction to the date of the new transaction, match the transactions, then set the date back to the date I wrote the check. Not a huge deal, but an annoying one. This is a problem for any ‘delayed transaction’, but checks would be the biggest culprit.
  • This system really works

    By Not0fThisWorld
    Hi, former never-budgeter here, and this is a great app for all budgeters and never-budgeters alike. My family has actually saved money and felt more free than ever before in our spending. The app itself is really handy, the support staff and tips that are sent out are great when starting out, and the ability to have bank feeds integrated is a huge plus. This app is 100000% worth the cost, but if you’re hesitant, give the free trial a go. I got two months through a link from my favorite podcast (The Relevant Podcast) and was ready to start paying for this by week two. The YNAB methodology for budgeting is great and the team is phenomenal. So, yeah. Get it.
  • Near feature parity with web makes this actually useful

    By lyyyndseyyy
    Now that you can do nearly everything in the app that can be done on the website, the mobile app is actually useful to me. Thanks so much, YNAB!
  • Best Budget App

    By CulEx0r
    I had been through all the top budget apps out there when I found YNAB well before the subscription service, had that Dropbox sync! I was reluctant to pay for the service after so many years of using what I had paid already paid for and using for free....IT WAS WORTH IT. The bank synchronization works pretty well for me overall, some accounts don’t update like they should but they are not important enough to cause me any issues. Most important thing I tell everyone is give some time and patience with learning it. My husband hated it when I had him start using YNAB. It does take some time to learn how to think like YNAB but once you get the hang of it and work it out for your budget and needs, you will love it. Including the time when it wasn’t a subscription based service, I have been going at least 5-6 years strong with YNAB and don’t plan on using anything else. Highly recommend to everyone!
  • The budgeting app that will change your life.

    By Rivak
    I can’t recommend this app enough - it has significantly changed our finances for the positive and reduced money fights, stress and complications to zero. Spend the time and take their free webinars, learn the system and apply it and you’ll find out how liberating a budget really can be!
  • Financial Game Changer

    By Gregstergmo
    The real power of YNAB is in the philosophy behind the app: Approaching budgeting through the lens of assigning all income a job. It takes financial discipline. If you’ve been broke to the point of begging the power company to keep your power on, you will benefit from the YNAB method. It’s complimentary to many of the popular debt reduction and financial stability strategies that work. There is a community of users who are supportive. The technical support team at YNAB is very responsive. It’s worth every penny and more for a subscription.