YNAB

YNAB

By You Need A Budget LLC

  • Category: Finance
  • Release Date: 2015-10-20
  • Current Version: 24.17
  • Adult Rating: 4+
  • File Size: 116.95 MB
  • Developer: You Need A Budget LLC
  • Compatibility: Requires iOS 16.0 or later.
Score: 4.81109
4.81109
From 52,458 Ratings

Description

Where does your money go? Frustrated you’re not getting ahead? Unsure about your future? You’re asking the right questions but the world thinks about money all wrong. You aren’t broke, but your money mindset is. It’s time to change your relationship with money. You need a set of habits to change your mindset and 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 money mindset for good. As the habits become second nature, you’ll stop fighting about money, make better decisions, and sleep better at night. Are you ready to feel confident and secure about your money (and so much more)? Start your one-month free trial today! Features: -Built for Partners & 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 & 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. It’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, videos, written guides, and more Testimonials: "I never, 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 “Now that net worth is creeping upward, it’s such a relief. I’m sleeping better now. Our arguments about money have magically evaporated.” -Jonathan, Former Mint User "Three 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've been using YNAB for over two years, and my fiance and I will be paying for our wedding without any loans because of YNAB." -@Thai_Jonny 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/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

Screenshots

Reviews

  • Leave a good thing alone

    2
    By JenRRgirl
    Great budgeting app despite the cost. Finally deciding to unsubscribe due to the fact the app developers can not leave a good thing alone. The last 3 updates have made the app unnecessarily more complicated and did nothing to enhance the user experience.
  • Amex issues

    1
    By apple review11
    Amex transactions never import
  • Price hikes nearly annually for features we don’t want

    1
    By .Beltalowda
    The app is great as-is, but like every great capitalist company, they end up hiring some business dude who starts trying to squeeze every nickel and dime out of customers and justify it with “features” or visual refreshes. The app is good where it’s at. It does its job way better than the others so stop changing it and just let it be what it is. At this point the price hikes are ridiculous and an annual sub now costs almost as much as an Amazon Prime membership which, as terrible as Amazon has become, offers quite a bit of value. I and many other YNABers stood by your company when big banks started signing exclusivity deals with other data partners and cutting YNAB out. We went to bat for you and told our banks we would change banking partners and that exclusivity stuff got reversed real quick. My subscription was set to renew in September when your latest price hikes are scheduled to go into effect. I have cancelled my subscription and am actively seeking a replacement to YNAB. You have until then to reverse course or justify the price hikes to an acceptable degree because the last two offered no discernible additional value whatsoever to existing users and this latest one is an additional 10% price increase. If it’s because of the “tax” you pay for in app subs, that’s fine, tell us in an email and we’ll gladly go to the website to sub to help you with that. But now that we’re all getting better at managing our money, I know I can’t be the only one that is sick and tired of the late stage capitalism ensh_ttification of absolutely everything in existence these days. Buyer beware: They don’t let you into the app at all once your subscription is ended which means you cannot even export your own data. Just another shameful money grubbing tactic. Edit: Still true, now they try to justify it by saying “nuh uh! Not every year!” Give me a f-ing break.
  • Brilliant!

    5
    By yuppp(:
    This app has been instrumental to my finance journey. Reflect has been essential. I get to see where my money has been going and has allowed me to make strategic decisions! For example, maybe I’m spending too much in clothes, I could cut costs there and reallocate that money to a travel budget! It’s amazing. Thank you YNAB!
  • Big price for a big headache

    1
    By Ventedabde
    I’ve tried using this app for 2 months now. I like the mindset behind it, but the different functions in the app just don’t work very well. Keeping up with account balances, transferring money, managing purchases, waiting for transactions to clear, internal transfers, UGH. I never really feel confident about how much money I have available when using this. I’ve had to restart multiple times. Things keep getting messed up. Im spending hours every week just trying to unfudge this thing and it gets messed up so easily, no matter how conscious i am about whether a transaction has cleared my bank, how sure i am i assigned the right payee for an internal transfer, how many times i reconcile my balances, it just causes me more headache. It’s easier to just make a spreadsheet and manually record all my transactions and balances (which also saves me on that CRAZY $15+ subscription fee!)
  • Amazing!

    5
    By Arhigg
    I don’t usually write reviews for apps but YNAB has been amazing. The only budgeting that has ever worked for me. Saved close to $400 my first month. Very ADHD friendly!
  • Transactions Keep Not Loading

    1
    By nnnniiicccoooollleee
    I’ve had this app for a little over a year and my transactions have stopped loading 3-4 times so far. It’s so frustrating because it’s not accurate or usable when it’s like this and it’s very difficult to get it resolved since the steps or complicated and confusing and they do not have a phone a number and will only help you through email. The last time this happened was August 2024 and it took a month to get resolved and now it just happened AGAIN… I end up losing money as well when this happens not only to the $15 subscription, but the inaccuracy. When the app works it’s great, but it’s not been 100% of time for me.
  • Really slow and unusable

    1
    By Brozbty
    This app went from being fantastic to absolutely terrible slow and unresponsive. The worst part is the assign money workflow, it used to be really fast and easy (5-10s/category), now it takes 30sec-1min for each category, and is just incredibly frustrating
  • Too many problems

    1
    By MGoLou
    Moving money on the app has become a terrible experience. I don’t know why the thought the arrows and interface was an improvement, but it’s just unintuitive and clumsy. At least one of my accounts is always on delayed import. We are getting price increases and not getting anything of value in return.
  • Latest updates are annoying

    3
    By Mase Case 47
    I have to say the latest updates feel like a step back. They tried to make everything cute with a bunch of new animations but now things just take longer and are way more annoying. The cover overspending function is such a chore now because everything takes way more clicks and you have to wait for the dumb animations to finish. Please clean this up.

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