YNAB

YNAB

By You Need A Budget LLC

  • Category: Finance
  • Release Date: 2015-10-20
  • Current Version: 24.6.1
  • Adult Rating: 4+
  • File Size: 122.87 MB
  • Developer: You Need A Budget LLC
  • Compatibility: Requires iOS 16.0 or later.
Score: 4.8
4.81494
From 50,314 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

  • I wanted to like

    2
    By Minnesota-22
    This app was a bit too much for me. For someone who’s already disciplined with budgeting and finances, all the bells and whistles of “assigning money so it’s available to spend” etc was way too much busy work. I’m sure it’s a great app but I didn’t feel like I would get value from spending $100/year. I just wanted something simple to replace Mint, which is proving to be very hard to find!!
  • It’s worth it

    5
    By HelloWhydoineedanickname
    YNAB has help my partner and I communicate about money in concrete terms. It takes out “grey-area” and decision fatigue. My priorities are clearly listed out for me to review and hold every dollar accountable. The app and web interface itself are excellent, and customer support with real humans actually will answer any question you have, both about technical questions or some of the “YNAB philosophy” of managing money. Worth every penny just for having an app that is so stable and responsive.
  • Two + Years

    5
    By Instructor
    I have been using YNAB for over two years and it has made a huge difference in understanding how much I need to spend on my obligations and how much I can spend on less-than-essentials. I access it primarily on my desktop and iPad but use my iPhone when out and about. I no longer stress about whether money is available because every dollar is assigned it's task when it comes in.
  • Yay!

    5
    By Lydia Trimble
    This app has really helped with keeping my schedule organized and neat! I definitely recommend it if you haven’t already! 🫶
  • Doesnt pull previous transactions

    2
    By advhyt
    Very simple ui that pretty much is just a notepad with some emojis. Not much analytics available. Dont even know what the subscription pays for.
  • Great Budgeting Tool

    5
    By CMTD21
    YNAB makes budgeting super easy. The app is very user friendly. Beyond the app their videos and tutorials are great for first time budgeting.
  • Money Cents

    5
    By LightHouse2431
    It’s a great feeling of power and calm knowing where your money is and where it’s going. I’ve saved for trips, paid off two cars early, and lived life with peace of mind.
  • Has genuinely changed my life.

    5
    By Caleb6895
    I wasn’t really taught how to budget growing up. I always felt like I was good with money, but in reality I was just hesitant to spend money on anything. YNAB has made me good with money. I have complete awareness of my finances now, and I don’t feel shame about spending money any more, because I’ve already set aside the money for the specific thing I’m spending it on. Don’t get me wrong, I don’t have an incredible amount of money to spend on things, but the money I have has a purpose. When I use it for that purpose, there’s no guilt about it, and instead there is the sense of satisfaction that I followed through on my plans. YNAB is not judgmental. They know what it is like to struggle paycheck to paycheck, and they are 100% on your side. They want to help you get out of that cycle and out of debt so you can use your money intentionally and on the things that are most important to you. I’ve been using YNAB for a while now and I think I’ll be using it for a long time to come!
  • YNAB does not integrate w Fidelity

    1
    By SHu627
    I bank with Fidelity so the fact that YNAB does not integrate with Fidelity makes this app useless to me and my family. Very upset because I heard Fidelity used to be supported but that is no longer the case.
  • LOVE YNAB

    4
    By stoffenhammer11
    We have been using YNAB for a few years now and love how it helps us to be proactive in how we spend our money. We almost always use the mobile version and there’s some features from the desktop that I wish were on mobile, such as the reports. On the mobile the reports only show age of money and net worth, but on the desktop you can breakdown your monthly spending and see your trends by specific categories and timeframes. This would be amazing to have on mobile, even if I could just easily see the total for how much I have spent for each month that would be awesome. That being said we are very happy with YNAB and plan to continue using it for a long time to come.

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