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YNAB (You Need A Budget)

By You Need A Budget LLC

This app is only available on the App Store for iOS devices.


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:

What's New in Version 2.0.7

What’s new in v2.0.7

Bug fixes
• Fixed an issue with split transactions


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Customer Reviews

What a budgeting tool should look like

Long time Mint user here (5+ years), and after 1 week I can wholeheartedly say this is the budgeting tool I’ve always wanted Mint to be. This system tells you what the money in your account(s) is allocated for, so you know if it’s safe to spend or not. It took several days of reading tutorials, watching training videos, and testing to get my mind wrapped around this approach, but it has been well worth it. The community is awesome, with an active forum for questions and inspiration, along with free targeted webinars for interactive q&a with a budgeting expert.

I am used to spending too much time on Mint figuring out how my account balances related to my budget. I created separate savings accounts for vacations and down payments and tax payments and made transfers to them when I thought I could. Now I spend 5 min each morning updating transactions that posted, allocating any new income to the budget item as needed. No need for separate accounts and transfers!

Life changing!

This app has changed our life for the better. My husband and I are in our 40s and empty nesters. We have always lived paycheck to paycheck. We wanted to change our ways and to think about our future. We have had YNAB for 30 days and feel good about our money situation for the first time ever. We no longer worry about our bank balance but just check our budget amounts before spending. We are actually funding next month categories and Christmas at the same time. Highly recommend for those that are sick and tired of living paycheck to paycheck. Plus their support system answers questions quickly and knowledgeable. They help you get your budget off the ground!

It’s not a budget; it’s a waste of time

I wanted to love this app. On the surface, it looks to have everything I wanted, such as integration with my accounts so transactions could be loaded automatically, the ability to add my own categories, and use of both desktop and app.

But I hate it. The integration rarely works. The categories are not as flexible as I’d like because I can’t use some of the fields sometimes, several of my banks are not accessible via the automatic feed, they introduced some functionality that is stupid — it’s not helpful and it junks up the screen. I can’t always “match” something I’ve entered manually with the transaction that comes in automatically, but in order to actually use it for budgeting, I need to know in real time what money is in my accounts. The feed is supposed to show the next day. It often doesn’t.

I’ve just found this tool maddening. Don’t waste your time.

YNAB (You Need A Budget)
View in iTunes
This app is designed for both iPhone and iPad
Offers Apple Watch App for iPhone
  • Free
  • Category: Finance
  • Updated:
  • Version: 2.0.7
  • Size: 55.0 MB
  • Apple Watch: Yes
  • Language: English
  • Seller:

Compatibility: Requires iOS 9.0 or later. Compatible with iPhone, iPad, and iPod touch.

Customer Ratings

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Top In-App Purchases

  1. YNAB Subscription$83.99
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