YNAB

YNAB

By You Need A Budget LLC

  • Category: Finance
  • Release Date: 2015-10-20
  • Current Version: 25.8
  • Adult Rating: 4+
  • File Size: 125.89 MB
  • Developer: You Need A Budget LLC
  • Compatibility: Requires iOS 16.0 or later.
Score: 4.8
4.80812
From 55,029 Ratings

Description

Where does all your money go? Exactly where you tell it to! “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 If you’re like the average YNABer (just AVERAGE), you’ll save $600 in the first two months. And $6,000 in the first year. But you might experience something much more powerful than a growing bank account balance or paid off credit cards: 92% of YNABers report feeling less stressed since starting YNAB. “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. Every dollar represents you—it’s the product of your energy. You work too hard for all that to go to waste. We’ll show you how to give every dollar a job, so your paychecks are working toward your priorities and values, your wants and needs, your work and your play. Your money is your life. Spend it well with YNAB. Start your one-month free trial today! Features: BUILT FOR PARTNERS & FAMILIES -Up to six people can share budgets on one YNAB subscription -Simplifies sharing finances with a partner -Cheaper than couples counseling PAY OFF YOUR DEBT -Loan planner tool -Calculate time and interest saved -A debt-paying community to cheer you on IMPORT TRANSACTIONS AUTOMATICALLY -Securely link financial accounts to bring in transactions -Option to add transactions manually -Experience the oddly satisfying routine of categorizing transactions NO ADS -Privacy protection -No in-app ads -No third-party product pitching. Ew. VIEW YOUR FINANCIAL PICTURE ALL IN ONE PLACE -Net worth report -Spending breakdown -Income vs expense report SET & REACH GOALS FASTER -Track expenses -Set spending targets -Visualize progress as you go REAL HELP FROM REAL HUMANS -Award-winning support team -Free live workshops -Real people (who aren’t perfect either) “My wife and I can attest to the fact that the average budgeter saves around $600 in 2 months. We did! We love everything about YNAB except that WE DIDN’T START SOONER!!!!!!!!!” -Gideon, YNAB user since 2019 "I never, ever thought I'd see this, and yet here it is: CREDIT CARD BEAST DEFEATED!” -@taber “I’m sleeping better now. Our arguments about money have magically evaporated.” -Jonathan, YNABer (former Mint user) "My fiance and I will be paying for our wedding without any loans because of YNAB." -@Thai_Jonny “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 Your money is your life. Spend it well with YNAB. 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

  • GREAT FORMAT

    5
    By Candle Chandler
    YNAB just has a great way to organize your money and keep track of what is being spent. It has helped me to budget for what is needed and to save for what I would like to get. I’ve never had any problems with service errors. And that is why I highly recommend using this app.
  • Great *Except for Amazon Card Users

    3
    By The Real HJ
    We love YNAB EXCEPT that the connection with Synchrony Bank/Amazon Store Card is the worst — transactions are always delayed coming in so despite paying for a premium subscription, I have to manually enter in transactions. We live and die by our budget so during holidays or for special events when we are buying more on Amazon… it’s the worst! Please Amazon and YNAB sort it out for my sanity
  • Hated Budgeting

    5
    By gws- His Grace
    I resisted budgeting for years. I felt it was too restrictive and to time consuming. Finally, I heard of YNAB and the stars aligned. I gave it a try. Yes there were initial challenges, but with some coaching I have now been successful using YNAB for several years. It has produced the opposite of what I thought FREEDOM! We are out of debt and typically one month ahead on our obligations. Love it!
  • Great platform unhelpful updates

    3
    By TU Greystones
    The latest update that changed split transactions is a nightmare to use. It’s extremely difficult to remove categories that auto populate. My wife was ready to tear her hair out and as a non-tech-savvy individual could not figure out how to remove the unnecessary categories. Please make this simpler. Overall we love YNAB, and while the UI may look fancy, you lost general usability and ease of functionality, which is not helpful for the user.
  • Incredibly helpful

    5
    By blessedgal16
    What a blessing! So easy to keep track of our budget and stay in tune with our finances! Would highly highly recommend! Thank you to everybody at ynab!
  • I can breathe again

    5
    By Abbie Falls
    Since the new year started, I’ve probably tried out at least 5 different budgeting apps and several prebuilt spreadsheets. All of them made the debt payoff strategy I’m doing (Velocity Banking) more confusing than it already is for me. With YNAB, I hardly even have to think!!! I absolutely LOVE the credit card feature that takes the amount you spent on a category using a credit card and adds it to the amount you should pay towards that credit card. It’s exactly what I needed!!! And honestly, I’d pay just for that feature alone. YNAB just made my life 10x easier and I’m so grateful. The only complaint I have is that new transactions from my synced bank accounts are a bit slow to update into YNAB as we are cashless spenders. But other than that, I love every feature it has to offer. UI is clean, web app and phone app is simple to operate, and everything about YNAB actually makes me excited to budget! 💕
  • Quality Decline

    2
    By Stefanie Rohricht
    I’ve been a YNAB user since before the team introduced subscriptions. At first, I felt as though the price was reasonable given the functionality of the app at the time. Even when the subscription saw its first price increase, I still felt like the value was there. However, after multiple increases and what seems to be a steady decline in the quality of the app, I no longer hold this opinion. While I haven’t experience the performance issues others have, I have found that the design changes make the app a visual strain to use. Both the Light and Dark modes drastically reduced contrast between fields making the app overall feel very disjointed. Even with the ability to differentiate colors with an outline does little to bring any sort of visual cohesion to the UX. I’m sure that many use the bank linking features, but that’s something I will never touch. A ledger should ALWAYS be the source of record for your transactions and you should do your best to keep the transactions up-to-date. Bank systems drop transactions due to how payment processors work, there shouldn’t be any need for managing transactions in addition to what gets imported. Bank linking becomes useless to me. It’d be one thing if there were subscription tiers that didn’t include bank linking, but since it’s only one size fits all there’s no flexibility for users like myself. I fully believe in app developers getting properly paid for their work. That being said, the decline of the usability of the app and its value proposition as a subscription makes me unlikely to renew my subscription later this year.
  • Only App you’ll ever need

    5
    By Iceman253
    At least for individuals, this app is great. The UI is easy to understand and use with clear directions on what does what. The automatic transactions died in with my Apple Cash card are also extremely convenient and work well. Thanks YNAB!
  • Incredible Tool

    5
    By LGDean2
    I have never felt more in control of my money. I wish I had started sooner.
  • Could be useful

    1
    By Cactus.pill
    This app was great at first, but with every update they do, they make it more and more complicated to use. I have been on it for 3 years now, and it gets less and less intuitive. You would be better off just using a free template in google. Just an example of overpaid designers trying to justify their job.

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