YNAB

In-app purchases
4.7
17.6K reviews
1M+
Downloads
Content rating
Everyone
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About this app

Where does your money go? Frustrated you arenā€™t getting ahead? Entirely unsure about your future? Youā€™re asking the right questions but the world has taught you to think about money all wrong. You arenā€™t broke, but your money mindset is. Itā€™s time to change your relationship with money and enjoy your spending.

Donā€™t settle for a life of constantly second-guessing your spending decisions, your progress, and your futureā€”trapped somewhere between defeated, embarrassed, and overwhelmed. There is another way.

You need a set of habits to change your mindset and your behavior, until you are spending purposefully, saving aspirationally, and even giving generously.

YNAB has taught millions of people a set of habits to change their relationship with money for good. As these habits become second nature, youā€™ll stop fighting about money, make better decisions, and sleep better at night. Confident, secure ā€” are you ready to feel this way about your money (and so much more)?

Start your one-month free trial today!

Key Features:

Built for Partners and Families: A close-knit group of up to six people can share budgets (and dreams!) at no extra cost.
Manage your Loan Payoff: Tackle debt by calculating the time and interest saved with every extra dollar paid.
Expense Tracking: View changes to your budget in real time to simplify sharing finances with a partner.
Goal Setting: Turn your dreams into categories, set spending targets, and visualize your progress as you go.
Credit Cards: You'll always know whether you can pay off your credit card balance. If not, we'll help you make a plan to get there!
Import Income & Expenses: Add transactions manually or securely link accounts to view your big financial picture in one place.
Spending & Net Worth Reports: See your spending averages (down to the cent) and your growing net worth in full technicolor glory by slicing and dicing your data.
Privacy Protection: We don't (and won't) sell your data. We don't host in-app ads or pitch recommended products. Itā€™s never been our thing. Ew.
Resources Galore: Our award-winning support team is eager to answer your questions and a wealth of free resources, including live workshops, video courses, written guides, and more.

Love how you spend and celebrate how you save. YNAB and its simple set of habits will help you spend purposefully, save aspirationally, and even give generously.

How do you want to spend your money, or more importantly, your life?

Free for 30 Days, Then Monthly or Annual Subscriptions Available

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

Your Privacy Choices
https://www.ynab.com/privacy-policy/opt-out-request/?isolated
Updated on
Mar 14, 2024

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

4.6
17.1K reviews
Gloriana Maendel
March 21, 2024
The beginning of this year I wanted to find a robust budgeting app to help me save money. I tried over a dozen apps to find one that fit my criteria: customizable categories, links to bank account, good saving plan, not glitchy or frustrating to use, and free or inexpensive. I signed up for the free trial for YNAB and realized this fit every criteria but the last one. Finally I paid the $100 and two months later it's still worth it. It gamifies responsible spending habits.
1 person found this review helpful
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ynab.com
March 20, 2024
Awesome! I love that you have found YNAB to be so helpful and worth it. Thanks for leaving a review! \- Natalie @ YNAB
Eric B
March 24, 2024
Too manual and relies too heavily on static expenses when bills may change month to month. It would be one thing if it would link to online bill payment portals to adjust budget based on that but overall I just don't understand the hype around this app. It was nearly as much work as just running an Excel sheet. There's no way id ever consider paying for this app and I think it's incredible that they have as many subscribers as they do for such a simple app that requires the user to do so much
1 person found this review helpful
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ynab.com
March 27, 2024
Hi Ericā€”YNAB is intended to be much more flexible than traditional 'budgets' so that it can do exactly what you mentioned around adjusting based on fluctuating income and expenses. If you're interested in learning more and maybe getting some tips to help reduce the maintenance you mentioned, reach out to us at help@ynab.com :\) \- Angela @ YNAB
Lindsay Bergin
March 27, 2024
Customer service gets 5 stars but the app is terrible. It's clunky and overwhelming. Definitely not for beginners. With the amount of time I had to spend watching ALL their tutorials, then entering things on my laptop, then categorizing and approving transactions on the app, I could have looked into just getting an accountant.
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What's new

Lights, camera, YNAB! Weā€™ve made some behind-the-scenes tweaks and edits this week. This release might not win for Best Picture, but hey, itā€™s an honor just to be nominated. Stay tuned for more blockbuster updates!