YNAB - Budget, Personal Finance, Expense Tracker.

YNAB - Budget, Personal Finance, Expense Tracker.

By You Need A Budget LLC

  • Category: Finance
  • Release Date: 2015-10-20
  • Current Version: 2.0.3
  • Adult Rating: 4+
  • File Size: 59.61 MB
  • Developer: You Need A Budget LLC
  • Compatibility: Requires iOS 9.0 or later.
Score: 3.5
From 1,017 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 $50/Year 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 $50, 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/



  • YNAB is perfect$ I am debt free!

    By CarmenDarlin'
    I've been using YNAB over six years. In the midst of a divorce, my finances and my life were a tangled mess. I had over 15 credit cards and 49k in debt. I stumbled across Jesse's whiteborad wednesdays and those YouTube videos saved me. Jesse exudes pragmatic simplicity. Very slowly, my eyes were opened. With patience, hard work, better choices, I gradually crawled out of the deep hole I'd dug myself into. I have stayed YNAB through its many iterations. It was great to start with and its gotten better. So have I! I kept informed through the inline classes. I love the current phone app. I keep track of my budgets and its fun to watch my savings grow. For 2017, my goal $3000 in cash savings is close to reality. I going to make it!! Without suffering. Food on the table. I go out. I have plenty to wear. Whats different is the choices I make. Sometimes a walk in the park suffices over a costly movie. Books from the library. Errands on the bike vs. car gas. My spending choices are more thoughtful, stop impulse buying. Wait a day. Its a real adventure or more like a game. Whats the best way to make this $12 last? cool! Today I have 1 credit card and used as a cash card because its more secure online than a debit card. Today I live within my means and I am proud of my financial security. YNAB is no ordinary budget tool. Its a real-life-finance-changer. I have philosophically shifted the way I spend my money. It was not easy and took alot of work and discipline. YNAB helped me to get honest in my motives and financial choices. I learned that there is a tangible relationship between my values and the choices I make with spending.
  • Great app, great service

    By AdeleMajor
    Let me start by saying that managing my money is my worst nightmare. I just hate it. YNAB is not just an app, it’s a philosophy and a system. While YNAB hasn’t yet cured me of my terrible habits, it’s gotten me through very tight situations. Plus the customer service is fantastic, the app keeps getting better and better, and the whole thing is done with a sense of humor. Love it.
  • Changed my life

    By Valentinek92
    It’ll change yours too. Helped me control my finances and understand them much more deeply. Beautiful, user friendly interface. Helped me get out of thousands of dollars of debt, and shows you reports as well, which makes you want to keep going and going. Leaves you making better financial decisions. The best!!
  • New app is a massive improvement

    By hellojeffmclean
    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.
  • Indispensable Budgeting Tool!

    By Aaron121848183
    YNAB has been indispensable in our day-to-day spending. We continue to see great value from an always up-to-date, high-level view of our finances. Being able to clearly see where our money is going and how much we are able to save each month is the true power of this system. With the new, web-based YNAB, budgeting has gotten even easier with direct import, goals, and easy category-to-category transfers. I was not on board with the subscription model at first, but seeing what they have been able to do with this product along with the constant stream of updates and bug fixes, I would say they have won me over.
  • Life changer!

    By graffxguy
    I tell so many people about this app. Helped me get out of my car loan and student loans. This new version is a game changer because you can do everything from your iOS device and not rely on the computer. The notifications and import feature on iOS keeps me WAY more engaged and on top of where my budget stands. That means I’m actually making spending decisions based on how much i have in each category and rolling with the punches as unexpected stuff happens and I need to rearrange money (easily!) from other categories. FEATURE REQUEST: in iOS 11, it’d be SO COOL to be able to add a new transaction via Siri!!! All the other apps are adding Siri integration... just sayin’! 😇
  • Unable to view description box

    By madweekay
    When manually entering a transaction, I can't view the box, and it hides behind the keyboard for typing. This is a bug tied to the latest update, which I am JUST seeing in the update notes. since in your update notes you acknowledge this is a bug, why not just pull back the update and keep others without automatic updates from updating to something so buggy?? I cannot add my transactions via the app and am stuck having to use the desktop.
  • Changed my life!

    By akmmrr
    I should start out by saying that I am 51 is old, and have been budgeting for most of my adult life. I can cross YNAB about three months ago, and it has since changed my life. I know exactly where all of my money goes and have made huge strides in saving for the things that I want. I am not going to waste my time explaining the process here. Logon to the website, sign up for the 30 day free trial and change your life. I should also say that the latest version of the app is almost perfect. Not only does it include most of the functionality of the website, but improves on it in several ways. Just the ability to approve all incoming transactions in a single window is a real time saver. So why almost perfect? Because you CAN’T RECONCILE YOUR ACCOUNTS!!! Seriously?? I can literally do everything in the app now that the webpage does EXCEPT that. OK, I would also like to be able to search and show/hide, but REALLY??? How hard would it have been to but a button in the upper right hand corner that when clicked says “is this your current account balance? Yes/No” and then change a few green “c” icons to green lock icons??? And now I STILL need access to the web page for this one feature. Help me out. PLEASE add this feature so I can ditch the webpage and give this app the 5 stars it deserves!
  • Love the new release, also a good patch

    By MrMKenyon
    Good fixes. Thanks!
  • it works

    By MinnesotaMatt2
    well i works but the price is outrageous. 50$/year. there are cheaper budget apps. the watch app is a joke. you see your budget but that's it. You cannot enter transactions on the watch or do anything useful. Blah The iPhone app is OK and actually looks nice. It needs a good tutorial video and walk through to learn it though. The best feature I like is the bank import.