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: 2.5
  • Adult Rating: 4+
  • File Size: 63.65 MB
  • Developer: You Need A Budget LLC
  • Compatibility: Requires iOS 10.0 or later.
Score: 4
From 1,922 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



  • Will not pull transactions from bank accounts

    By hfnsktnfmd
    Have linked account at multiple banks. None work. It’s impossible to get a budget started if I can get my account fully together and that’s can’t happen if the budget is always 2-3-4 days behind. Could not be less impressed.
  • Life saver app

    By rooney0432
    This is a life saver app/program for me. Watch the YouTube videos, read the blog, listen to the podcast and join some YNAB groups on fb. Once I got the hang of what I was doing I seriously can say this app has changed my life for the better! No more wondering about my money situation. Everything is laid out for me easy peasy. Starting to dig myself out of the paycheck to paycheck lifestyle I have been living my whole life and actually get a buffer and emergency backup. Wish I would have started this program years ago! But never too late to change your situation! Worth every penny for me!
  • Amazing and worth it

    By kwa2105
    I’ve been using YNAB a year now and, even though it might sound dramatic, it truly is life changing. It takes a little bit of learning but once you get into it, it seriously changes your relationship with money. I’ve saved more and felt less financial stress in the last year than ever in my life before. Do the trial, watch some of the tutorial videos and you’ll see it’s worth it. Seriously love YNAB.
  • Fun budgeting!!

    By Livvy614
    This app makes budgeting incredibly efficient and fun!! I recommend the free online webinars that teach you how to beat use the app!
  • Not for everyone

    By Bob Brown Oregon
    Seems like a good approach for someone just beginning to budget, and who needs to better control their debt. That probably fits most Americans today. However, for those of us who have no debt, know how to control our expenses, and want to budget beyond a month in advance, it doesn’t work very well. I’ve used Mint for years. It also has limitations in the budget area. However, I followed advice in a Wirecutter review (which rated YNAB as their top choice) and customized my own budget using Mint to gather the data as it already was, and downloading that data to an Excel spreadsheet to report against the budget I setup in Excel. Now I have what I wanted, and the flexibility to change it as I gain experience with me new system.
  • Couldn’t Link Accounts

    By Dhdisnxh
    Really wanted this app to work but it was never able to link to my bank account.
  • Add “Reconciling & Hiding Cleared Transactions”

    By No TV Stations?
    This app is amazing. I absolutely love it. However, it is lacking one key thing that keeps it from being able to be used as a stand alone (no need to get a computer). You still can not reconcile your accounts. Please please please add account reconciliation to the app! And along the same lines add the ability to hide cleared transactions. A phone is inherently cluttered by design because the screen is small. If you could have the ability to hid cleared transactions it will make it easier to see what needs your attention. Please add the ability to reconcile in the app.
  • Bank connection issues not worth the price

    By Greenescience
    For $85 per subscription, YNAB shouldn’t have constant errors in connecting to my bank. How am I supposed to follow a budget if it won’t sync reliably with my account? And you’re going to charge me $85 for a product that only works every other day??
  • Seriously unusable worse than paper

    By DallasBlonde34
    After my fourth attempt at a budget I was forced to delete this app - No way to build a budget and follow through with actual transactions- After the budget is built transactions are imported but deposits are required in individual budget areas- this is worse than paper.
  • Don’t ask for help

    By Karell
    If you choose to use this app, watch these people *very* carefully. It’s probably not a good idea to ask them for help, either. They did *nothing* that I asked for and EVERYTHING I asked them not to … and the only person who didn’t follow this pattern is likely being kept from helping me because the boundary-violating bullies are having too much fun.