YNAB

YNAB

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YNAB: Get Good With Money and Stop Worrying

Join millions of people using the zero-based budgeting method to save an average of $6,000 in their first year. Give every dollar a job, pay down debt, and finally spend with total confidence.

Download on App Store

Publisher

You Need A Budget LLC

Category

Finance

Downloads

4M+

User Rating

4.8/5

Total Ratings

69K+

Locales

1

Your Future in Focus

Discover the interface used by 4M+ users.

YNAB mobile app home screen showing budget categories and funds ready to assign

YNAB mobile app home screen showing budget categories and funds ready to assign

YNAB app interface showing the Cost to Be Me budget calculation and monthly spending targets.

YNAB app interface showing the Cost to Be Me budget calculation and monthly spending targets.

YNAB mobile app screen displaying a budget plan with spending categories and funded amounts

YNAB mobile app screen displaying a budget plan with spending categories and funded amounts

YNAB mobile app interface showing how to cover a car repair overspending by moving money from other budget categories

YNAB mobile app interface showing how to cover a car repair overspending by moving money from other budget categories

YNAB app screen showing a savings goal for a Hawaii vacation with a message saying the target has been met

YNAB app screen showing a savings goal for a Hawaii vacation with a message saying the target has been met

YNAB mobile app interface showing Siri checking the grocery category balance on an iPhone

YNAB mobile app interface showing Siri checking the grocery category balance on an iPhone

YNAB Together feature interface for sharing budget access with loved ones

YNAB Together feature interface for sharing budget access with loved ones

YNAB app dashboard showing monthly spending breakdown by category and net worth tracking.

YNAB app dashboard showing monthly spending breakdown by category and net worth tracking.

YNAB app home screen displaying educational content and the YNAB Foundations module

YNAB app home screen displaying educational content and the YNAB Foundations module

Master Your Money with Total Confidence

The tools that make this app stand out, trusted by 4M+ users.

🤝

Built for Couples and Families

Share one subscription with up to six people. Sync transactions in real-time across devices to eliminate money arguments and reach your shared goals faster.

📉

Crush Debt with a Clear Plan

Use the interactive Loan Planner to calculate exactly how much interest you'll save and see the specific date you'll finally be debt-free.

🧘

End Financial Stress for Good

Give every dollar a job before you spend it. Gain peace of mind knowing you have exactly enough for your bills, your future, and even a little guilt-free fun.

Loved by users worldwide

Trusted by 4M+ people who love this app.

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"Before YNAB, my partner and I were constantly bickering about our spending. Now, we finally have a shared plan we both trust. We saved enough for a house down payment in half the time we expected. It is the best investment we have ever made for our marriage and our future."

Sarah Jenkins
"

"I used to think I was doing okay because I had a decent salary, but I was actually living paycheck-to-paycheck. YNAB gave me total clarity. Watching my net worth climb and finally paying off my student loans has been life-changing. I no longer feel like I am losing the money game."

Marcus Thompson

About the app

Everything you need to know about YNAB.

Description

Have you ever worried about money? You are not alone. Download YNAB, get good with money, and never worry about money again. “We started YNAB January 1st with $37 saved and ended the year with $42,000. Plus we paid $14,000 cash for a new roof.” -Kyle, YNAB user since 2020 Start your free one-month trial and stop feeling like you’re bad with money. “YNAB has removed the stress of money from my life and in doing so has helped make me a better husband. It's like I got to remove a personal flaw I had never been able to fix." -Kyle, again. We didn’t even pay him to say this, but maybe we should. Why YNAB? -92% of YNAB users report feeling less stressed about money since starting. -The average user saves $600 in the first month, and $6,000 in the first year. “A year of YNAB costs less than a massage and is a heck of a lot better for reducing stress.” -Kat, YNAB user since 2016 Benefits and Features STOP ARGUING ABOUT MONEY …and start planning your life, together -Create and share unlimited plans with up to six people with one subscription -Real time updates between devices make it easy to keep everyone informed -Cheaper than couples counseling STOP DROWNING IN DEBT …and start seeing progress with your paydown -Make a plan to pay down debt by calculating time and interest saved with the Loan Planner -Avoid new credit card debt with YNAB’s clever built-in spending categorization feature -Enjoy the benefits of a debt-paying community and resources STOP FEELING DISORGANIZED …and start feeling totally in control -Securely link financial accounts to automatically import transactions -Easily add transactions manually, if you prefer -Ask Siri to update your plan or provide expense category balances on the go START REACHING MORE GOALS …and stop thinking your future is limited -Keep your priorities and goals in focus -Visualize progress as you go -Watch your net worth climb START SPENDING CONFIDENTLY …and stop feeling guilt, doubt, and regret -Calculate your “Cost to Be Me” -Make a flexible, proactive spending plan -Always know how much you have to spend START FEELING SUPPORTED …and stop feeling like you’re alone in this -Talk to our “freakishly nice” award-winning support team (don’t tell them we called them freakish) -Join workshops and attend live Q&A sessions -Become part of our community of genuine, amazingly supportive people who get it -Attend one of our live events to learn, share, play, and even get tattooed with like-minded getting-good-with-money people. (Seriously.) The first step of never worrying about money again is starting a free one-month trial. Are you ready to get good with money? (You seem ready! And we already really like you, so please join us.) 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

Latest Version

25.38

Size

136.8 MB

First Released

Oct 20, 2015

Ready to never worry about money again?

Stop the stress and start spending with total confidence. Join millions of people who have gained control and saved an average of $6,000 in their first year. Start your free 30-day trial today—we think you're ready for this.

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FAQ

Frequently Asked Questions

Everything you need to know about YNAB

What is the YNAB app?

YNAB is a budgeting application designed to help users manage their money effectively. It assists in planning, tracking, and controlling finances to reduce stress and achieve financial objectives.

Does YNAB offer a free trial period?

Yes, YNAB offers a free one-month trial. Users can download and begin using the app without immediate cost to explore its features before subscribing.

Can multiple users share one YNAB subscription?

Yes, a single YNAB subscription allows users to create and share unlimited budget plans with up to six people. This facilitates collaborative financial management for families or groups.

How does YNAB assist in paying down debt?

YNAB helps pay down debt through its Loan Planner, which calculates potential time and interest savings. The app also features spending categorization to prevent new credit card debt and offers community support.

Can YNAB automatically import bank transactions?

Yes, YNAB securely links financial accounts to automatically import transactions. Users also retain the option to manually add transactions if they prefer a different method of input.

Does the YNAB app support Siri commands?

Yes, YNAB integrates with Siri. Users can utilize Siri to update their budget plan or inquire about their expense category balances directly and conveniently while on the go.

Does YNAB track net worth?

Yes, YNAB allows users to track their net worth. The application visually presents progress toward financial objectives, including the growth of a user's net worth over time.

What is the 'Cost to Be Me' feature in YNAB?

YNAB's "Cost to Be Me" feature calculates the amount needed for personal spending. This assists users in developing a flexible and proactive spending plan aligned with their individual financial requirements.

What are the subscription options for YNAB?

YNAB subscriptions are auto-renewable on a one-year basis, with billing options for monthly or annual payments. Payments are processed through the iTunes Account, and auto-renewal can be managed in Account Settings.

Does YNAB offer customer support and community resources?

Yes, YNAB offers an award-winning support team, along with workshops and live Q&A sessions. It also cultivates a supportive community for users to engage and learn from each other.