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.
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.
“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
- 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.
- Any unused portion of a free trial period, if offered, will be forfeited when the user purchases a
subscription to that publication, where applicable.
What’s New in v2.5.1
•If you split a transaction and enter the split amounts before the total, we now calculate the total for you. It’s the least we could do. Well, maybe not the /least/. The least would be to do nothing, which is what we’ve been doing before this release. So maybe I should say it’s the least we could do that would be different from what we’ve done in the past.
•Fixed an issue where we would fire scheduled transactions even if the first sync after launch failed. This caused “a lot of confusion and messiness” in the budget, to quote the generously worded bug report. Now scheduled transactions only fire after a successful sync.
•The title animation of the transaction list popover was a little wonky. It’s the opposite of wonky now.
•On the budget screen, quickly and repeatedly tapping a category could cause the tab bar to disappear. Originally intended as a party trick with which we imagined you delighting your friends, this “feature” is now being considered a bug. Fair enough, it’s fixed. But good luck delighting your friends with a category that doesn’t make anything disappear when you tap it quickly and repeatedly.
•We wrote a workaround for an iOS bug that caused an even more rare quickly-and-repeatedly-tapping-something issue. This time, multiple-tapping on an account could cause the app to crash. You may now tap to your heart’s content.
•Empty transaction lists once again display a nice message rather than a empty screen.
Ratings and Reviews
I hate the new keyboard
App is great, service is great and life changing. Been using it for two years and finally can keep up with my spending and seeing improvement But anyways this is a review of the app not the service and I currently have a few issues
1. My girlfriend and I (she is more enraged than I am) loved how easy it was to change budgets in the old app! Now We have to go through a very long journey just to change the budget! And I have 3 different budgets (sometimes 4 if I am traveling) I wish there was an easy way to switch between them (while we are at it, the web app could use easier budget switching ..). Also, maybe add in a title somewhere which budget I have opened? A few times I have logged in things in the wrong budget, because I didn’t realize I had the wrong one open
2. The keyboard to enter a transaction as of 21st of January. I like the overhaul of the page, I love how everything is in one page, but hate the new keyboard! My eyes bleed every time I look at it .... YNAB has designed such an aesthetically pleasing app, why did they do that!! And it bothers me that the keyboard covers the clear button (yes it’s silly I know). I hope the great developers behind this app can find it in their hearts to make the keyboard visually pleasing ...
New app is a massive improvement
I had started using YNAB but ended up losing the habit because there would be times when a purchase made on the go couldn’t fit into any existing categories I had set up on the web app, and I had no way of changing things until I had long lost track of purchases.
Now, the new app lets me do literally everything I used to have to go on my computer to do, and it does so in a beautiful, easy-to-use package. With the most recent update, the app went from feeling 8 years outdated and nearly unusable to one of the best-designed apps on my phone. I used to have to apologize for it - “if you can get over the outdated app, the system works really well” - and now I can wholeheartedly recommend the YNAB system to people who ask for help with budgeting.
Don’t fall for the convenience of automated budget tracking with other apps! YNAB’s manual system forces you to pay attention to the consequences of every single purchase. The learning curve is difficult at first, and it does take an hour or two to get everything set up. But the payoff is literal - managing my money tightly with YNAB lets me spend more comfortably by making sure I have what I need for expenses and savings. This is hands-down the best budgeting system available.
Thank you for the update!
An update for your app is one of the few app updates that I am excited to see! I’ve already noticed a couple of the fixes and they are SO helpful! Your app is just plain packed with good stuff! You’ve just thought of everything! Thank you so much! I love using the desktop (cloud) version too. Sometimes my phone screen is just not big enough. Kind of like being cramped in the car on a long car ride and it feels good to stretch your legs...and see my budget on a bigger screen. I like to visualize my budget and using YNAB is the best way to do it. I’ve tried so many other ways to budget the last 25 years...and none has been successful until I started using YNAB. I love the new cloud version. I got frustrated with YNAB 4 for several reasons and gave it a break (and used the free version of Every Dollar, which was nice to look at, simple and easy to use, and smooth in many ways but lacked a lot). When I tried YNAB again after about 9 months, almost everything I was frustrated with was fixed, and now about a year later, everything is fixed. I’m VERY impressed with your developers! Thank you for your hard work!! Make sure they see this!
- You Need A Budget LLC
- 81.4 MB
- Requires iOS 10.0 or later. Compatible with iPhone, iPad, and iPod touch.
- Age Rating
- Rated 4+
- Copyright © 2018 YouNeedABudget.com
- In-App Purchases
- YNAB Subscription $83.99
- YNAB Subscription $6.99
With Family Sharing set up, up to six family members can use this app.