YNAB (You Need A Budget)

YNAB (You Need A Budget)

By You Need A Budget LLC

  • Category: Finance
  • Release Date: 2015-10-20
  • Current Version: 2.4
  • Adult Rating: 4+
  • File Size: 61.66 MB
  • Developer: You Need A Budget LLC
  • Compatibility: Requires iOS 10.0 or later.
Score: 4
From 1,829 Ratings


YNAB—Budget, Personal Finance, Expense Tracker YNAB will help you break the paycheck to paycheck cycle, get out of debt, and save more money. On average, new users save $600 in the first two months, and more than $6,000 in the first year. Try it free for 30 days. Key Features: Bank Synching—Easily connect all your accounts in one place. On the Go— Realtime access to all your data makes it simple to share finances with a partner. Debt Paydown—The tools and teaching you need to help you get out of debt for good. Goal Tracking—Set and track goals to reach them faster. Reporting—Detailed, visual spending and trend reports help you measure progress and improve. Personal Support—Our friendly support team is available around the clock via email, live chat in the app, and offer 100+ free, live workshops every week. Customer Testimonials: “YNAB is the first budgeting app I’ve ever used, stuck with, and that has made sense. Absolutely love it!” -- @brennandunn “I never, ever, 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 “3 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 just don’t know what I’d do without YNAB. I’ve never been so financially aware in my life.” -- @janejoneslives “I’ve been using YNAB for over 2 years, and in 23 days my fiance and I will be paying for our wedding without any loans because of YNAB. Thank you!” -- @Thai_Jonny You’ve Never Budgeted Like This Before YNAB is unlike any personal finance app, expense tracker, or money management system you’ve tried before—because it works. The powerful combination of award-winning apps and a proven method—YNAB’s Four Rules—has changed the lives of hundreds of thousands of people by teaching them to get control of their finances, stop stressing, and live the life they want to live. A Proven Method—YNAB’s Four Rules Rule One: Give Every Dollar A Job | Be intentional about what you want your money to do before you spend it. Rule Two: Embrace Your True Expenses | Break up larger, less frequent expenses into smaller, manageable amounts. By saving monthly for insurance premiums, holidays, or car repairs, when the time comes, your money is ready and waiting to do its job. Rule Three: Roll With The Punches | When life changes, so must your budget. Make adjustments and move along. Flexible budgets succeed because they’re guilt-free, realistic, and sustainable. Rule Four: Age Your Money | As you repeat the first three rules, you’ll increase the time between earning a dollar and the moment you need to spend it. When your money is at least a month old, you’ll have finally broken the paycheck to paycheck cycle for good. Free for 30 Days, Then an Annual Subscription We don’t want your money unless you feel like YNAB is helping you gain control of yours. In fact, we offer a No-Risk, 100% Money-Back Guarantee. At any point, if you don’t feel like you have more control of your money with YNAB, we’ll give you a full refund. No questions asked. Subscription Details - YNAB is a one-year auto-renewable subscription, billed 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. Terms of Use: https://www.youneedabudget.com/terms/?isolated Privacy Policy: https://www.youneedabudget.com/privacy-policy/?isolated



  • Most used

    By OneMusashi
    One of my best and most used apps on my phone. Keep the awesome updates coming!
  • Only budgeting app you’ll ever need

    By Sincerely Sara Beth
    YNAB is the best thing I have ever done for myself and my family. On the path to financial freedom!! The system takes time to learn, but the free 34 day trial is the perfect amount of time to set your mind straight. App is easy to use and super customizable.
  • Must have for personal finance

    By Schotzie's dad
    YNAB has changed my financial life for good. It’s helped with priorities, especially. It takes discipline, but knowing there’s money to pay bills and have fun is awesome. App works great, never have issues.
  • New to budgeting? Give YNAB a try. It will change the way you think about money.

    By Angel and Steve
    It’s a bit intimidating to get started and works quite differently than other tools like Mint. We’ve been using it for 6 months and money stress and arguments are all but gone. We know exactly what we have saved for what goal (bills, vacations, groceries, etc) and can pay down loans without worry. BUT this is a different beast and you have to keep and open mind. Watch the tutorials. Take it slow. Try connecting to just your main spending/checking account first and slowly grow from there. We tried to manage everything quickly and got all turned around and had to restart after a month. The support is amazing. They will always get back to you.
  • New update broke the login

    By Finance76
    Can’t login to the app. Gives error 404
  • Awesome Platform, had to delete iPad version :-(

    By Birthday Freak
    Been using YNAB for a couple years now and before that, budgeting was done on the fly by seeing how much money I had to spend. Very scary at times unfortunately. Since using YNAB, my life has been transformed entirely with a piece of mind that I cannot fully explain. And, the addition of the new webapp based phone app has simply made the platform even better. However, when I added the app to my brand new iPad, my budget crashed unexpectedly on both my tablet and my phone. After freaking out to customer service, the only solution I could come up with so that I could still use the app on my mobile devices was to delete the iPad app and use the webapp on the iPad instead. Then, everything went back to normal and YNAB now functions normally. Plus, there is the added benefit of using the webapp on the tablet, which adds more functionality. So, maybe it worked out for the better. Suggestion: delete the iPad app or don’t install it, the webapp actually works on the tablet quite well.
  • Missing BASIC features, like search

    By dtoyd
    Just started using YNAB. Trying to wrap my head around the apparent fact that there's no search box to search for a transaction and the transaction details are cut off, with no way to expand, in lists and in the "categorize transaction" window. Can't turn the screen width-wise, can't view in a larger box? So i have to switch to my bank's app whenever the cut-off description makes no sense, just to figure out what a purchase really was?? This is a popular, paid service, right? These are basic, simple to implement features, folks.
  • Lots to not like

    By MyPistachio
    Update: I’m done with YNAB. I have encountered far too many problems. The frustration level with this app makes me want to be paid to put up with it. It’s a good idea with horrible implementation. Account and app deleted. Original review: I’ve been using YNAB off and on for over a year. This app seems to do a lot but there is much it doesn’t do well. Perhaps it’s my expectations; I compare it to the efficiency of Mint, Clarity and others and YNAB mobile just doesn’t measure up in many areas. The worst is its (in)ability to import transactions. It often takes more than a day to import cleared transactions from my bank and credit card accounts. This is as designed; YNAB’s instructions are to wait 48 hours for a cleared transaction to display before contacted help. Most other apps show cleared, and often pending, transactions instantly when importing. This makes YNAB mobile’s direct import feature not useful in its primary mission which is to show how much money is available (unspent) for unexpected costs. There have been several times when my connections to my banks have failed. YNAB apparently has a “Direct Import Partner” as a contractor that manages account connections. I think they need to revisit that contract as their “Partner” is letting them (and me) down. The number of times my connections have failed, even though my login credentials are correct, is just excessive for a mature app. I know the philosophy behind the YNAB method is that all transactions should be entered manually and perhaps this problem in the app is actually a feature designed to make users manually track transactions. But I often have a few dozen transactions each day and I want my budgeting app to track those for me and display them in real time when I need to use the app to make decisions. It’s also frustrating that several tasks cannot be done in the mobile app and must be done on a desktop. It’s not the 90’s folks; many people like me don’t use desktops any longer and other apps allow us to do everything via our mobile devices. And don’t even get me started on how YNAB treats credit card transactions. I finally had to disconnect my credit cards and track them manually as my “To Be Budgeted” was always screwed up by my credit card transactions. Yes, there are dozens of hours of help files, tutorials, videos available and I’ve read and watched all I could find but still can’t get credit card accounts to work properly. I’ve given up on that aspect of the app. There are other annoying and frustrating issues; hence the need for prodigious help files, tutorials, videos, etc. The YNAB method seems simple but this app is often more of a hindrance than a help. I’ve waited a long time to leave this review and I’ll update it if things improve. But for now I have to say this app is very much a work in progress. Best of luck to the developers.
  • Wasn’t Happy with It

    By JZdizzle
    I’ve been a budget Nerd since Dave Ramsey came out with his Total Money Makeover so I’m not slouch when it comes to making a budget and sticking to it. I constantly manage my budgets but what keeps throwing me off with YNAB is the tracking of transactions between accounts. All I can read is Transfer To Account Xxxxxxx and can’t actually see what accounts each transaction has gone to. It threw my budget completely off. Now thoroughly confused I’m going back to Mint and an Excel Document for my budgets. YNAB seems to be a good app and a work in progress. It just isn’t working for me
  • Receipt tracker....where is the receipt tracker??

    By JoeyM@ck
    I'm pretty happy so far with this app. But I really wish it had a receipt tracker. If it did I would give it a 5/5. So Mr. & Mrs. Developers add that to the app. Please and thank you.