YNAB

In-app purchases
4.0
19K reviews
1M+
Downloads
Content rating
Rated for 3+
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About this app

Where does your money go? Frustrated you aren’t getting ahead? Entirely unsure about your future? You’re asking the right questions but the world has taught you to think about money all wrong. You aren’t broke, but your money mindset is. It’s time to change your relationship with money and enjoy your spending.

Don’t settle for a life of constantly second-guessing your spending decisions, your progress, and your future—trapped somewhere between defeated, embarrassed, and overwhelmed. There is another way.

You need a set of habits to change your mindset and your 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 relationship with money for good. As these habits become second nature, you’ll stop fighting about money, make better decisions, and sleep better at night. Confident, secure — are you ready to feel this way about your money (and so much more)?

Start your one-month free trial today!

Key Features:

Built for Partners and 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 & Net Worth 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, video courses, written guides, and more.

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 or Annual Subscriptions Available

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

Your Privacy Choices
https://www.ynab.com/privacy-policy/opt-out-request/?isolated
Updated on
Jul 22, 2024

Data safety

Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region, and age. The developer provided this information and may update it over time.
This app may share these data types with third parties
Personal info and Device or other IDs
This app may collect these data types
Location, Personal info and 4 others
Data is encrypted in transit
You can request that data be deleted

Ratings and reviews

4.0
18.4K reviews
Lori Kneisler
July 30, 2024
Finally! They fixed the app for credit card use. Can't select "ready to assign" category for adjustments, as it should be. It didn't actually move the $$. I Love YNAB. A lot. And now I love the app again. I only use credit cards for expenses and purchases because it's safer. Balanace gets paid every month, no problem. I really appreciate that YNAB worked out how to use a credit card. Just don't ever use, or try to use the "ready to assign" category. It will rip a hole in time and space.
27 people found this review helpful
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ynab.com
August 5, 2024
Hi Lori - so glad to hear those recent improvements made handling credit cards easier for you in the mobile app!!! We appreciate you hanging in there with us! -Caitlin @YNAB
Renee Obert
August 1, 2024
I put off getting YNAB for a long time, thinking it would be a waste of money since I had a budgeting spreadsheet, but it has been so helpful and i definitely believe that we have saved more money than we have spent on the subscription. So helpful, especially for making financial decisions together with your spouse and keeping on a budget or planning ahead.
2 people found this review helpful
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Hernan Metaute
July 31, 2024
The app uses a method that I really like and that can really make you save a lot of money. sad that it isn't translated to Spanish and that the linked account feature only works for the U.S. Credit card management is a bit finicky but it is the best personal finance app I've used. I've been using it for more than a year now so that should tell you something. A bit on the pricier side though since the annual subscription is over 100 dollars which isn't nothing in my country
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What's new

We’ve squashed some bugs and closed some PRs so that you can keep aligning the way you spend with the way you want to live.