YNAB 4+

Spend, save, and give joyfully

You Need A Budget LLC

    • 4.8 • 417 Ratings
    • Free
    • Offers In-App Purchases

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

What’s New

Version 24.4

What’s new in iOS 24.4

You can now seamlessly import your Apple Card, Apple Cash, and Savings with Apple Card transactions into YNAB!

YNAB is proud to be one of the first apps to offer direct import with Apple Card, Apple Cash, and Savings with Apple Card, making your Apple-centric life a breeze. This new feature means that as you spend and save with your favorite Apple products, your transactions will appear in YNAB almost instantaneously. No manual entry required.

Imagine: when you open YNAB on your device (running iOS 17.4 or higher), all of your Apple transactions are there, ready to categorize. Just make sure you have updated to the latest iOS and YNAB app versions to access this fruitful feature.

Ratings and Reviews

4.8 out of 5
417 Ratings

417 Ratings

InterplanetarySpaceCowboy ,

Good idea, horrible app

Guys, get your act together, the UX of this app is horrific. It went from bad (classic) to worse (1st nYnab mobile app) to even worse with last updates.

- why remove Touch ID?! It’s 30min of work to implement that feature (even less if your devs are any good).
- why can’t I hide the badge of my overspent categories? How annoying is that red badge on my screen while I take my time to re-budget those in a few days?
- choosing a Payee doesn’t bring up the keyboard anymore so now, it’s an extra annoying tap to do so
- who thought it was a good idea to auto populate the payee/category field on location?! Do you realize some people budget at specific locations (e.g. home) so I have to tap 5 times (!!!) to set payee and category manually? Since someone also thought it’s cool to predict the category when a payee is chosen so you end up in a little dance - change one thing changes another and here I go in circles...
- who on earth thought it was a good idea to change clearing swipe direction from left to right? You realize people have been using that for years and now the same swipe deletes the transaction...

I can go on but you are arrogant, I’ve seen your snarky videos regarding feedback so I’m not sure there’s a point...

Kendoji ,

Life-changing app and method

I’ve been using YNAB over a year now and it has honestly been life-changing. For the first time in my life I truly have a handle on my finances and most importantly, the ways I think about money and how I behave when deciding to spend it have been transformed. Can’t recommend the app and method highly enough.

Hugo Aylva ,

Gamechanger

YNAB is simpelweg briljant. Je moet je er even in verdiepen als je ermee begint, maar dat betaalt zich dubbel en dwars terug. Hetzelfde geldt voor de kosten: het lijkt duur, maar geloof me, je verdient het bedrag binnen de kortste keren in veelvoud terug. Zeker in deze financieel lastige tijden een absolute aanrader. Ongeacht je inkomen, als je serieus gebruik maakt van YNAB krijg je zoveel inzicht in je financiën en houd je zoveel geld over…

App Privacy

The developer, You Need A Budget LLC, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Linked to You

The following data may be collected and linked to your identity:

  • Purchases
  • Financial Info
  • Location
  • Contact Info
  • User Content
  • Identifiers
  • Usage Data
  • Diagnostics

Privacy practices may vary based on, for example, the features you use or your age. Learn More

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