YNAB

YNAB

By You Need A Budget LLC

  • Category: Finance
  • Release Date: 2015-10-20
  • Current Version: 25.32
  • Adult Rating: 4+
  • File Size: 122.65 MB
  • Developer: You Need A Budget LLC
  • Compatibility: Requires iOS 18.0 or later.
Score: 4.79507
4.79507
From 57,235 Ratings
Free On itunes

Description

Have you ever worried about money? You are not alone. Download YNAB, get good with money, and never worry about money again. “We started YNAB January 1st with $37 saved and ended the year with $42,000. Plus we paid $14,000 cash for a new roof.” -Kyle, YNAB user since 2020 Start your free one-month trial and stop feeling like you’re bad with money. “YNAB has removed the stress of money from my life and in doing so has helped make me a better husband. It's like I got to remove a personal flaw I had never been able to fix." -Kyle, again. We didn’t even pay him to say this, but maybe we should. Why YNAB? -92% of YNAB users report feeling less stressed about money since starting. -The average user saves $600 in the first month, and $6,000 in the first year. “A year of YNAB costs less than a massage and is a heck of a lot better for reducing stress.” -Kat, YNAB user since 2016 Benefits and Features STOP ARGUING ABOUT MONEY …and start planning your life, together -Create and share unlimited plans with up to six people with one subscription -Real time updates between devices make it easy to keep everyone informed -Cheaper than couples counseling STOP DROWNING IN DEBT …and start seeing progress with your paydown -Make a plan to pay down debt by calculating time and interest saved with the Loan Planner -Avoid new credit card debt with YNAB’s clever built-in spending categorization feature -Enjoy the benefits of a debt-paying community and resources STOP FEELING DISORGANIZED …and start feeling totally in control -Securely link financial accounts to automatically import transactions -Easily add transactions manually, if you prefer -Ask Siri to update your plan or provide expense category balances on the go START REACHING MORE GOALS …and stop thinking your future is limited -Keep your priorities and goals in focus -Visualize progress as you go -Watch your net worth climb START SPENDING CONFIDENTLY …and stop feeling guilt, doubt, and regret -Calculate your “Cost to Be Me” -Make a flexible, proactive spending plan -Always know how much you have to spend START FEELING SUPPORTED …and stop feeling like you’re alone in this -Talk to our “freakishly nice” award-winning support team (don’t tell them we called them freakish) -Join workshops and attend live Q&A sessions -Become part of our community of genuine, amazingly supportive people who get it -Attend one of our live events to learn, share, play, and even get tattooed with like-minded getting-good-with-money people. (Seriously.) The first step of never worrying about money again is starting a free one-month trial. Are you ready to get good with money? (You seem ready! And we already really like you, so please join us.) 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

Screenshots

Reviews

  • WYNAB gives confidence

    5
    By Hyhoo0
    WYNAB is the most confidence inspiring money app on the market. I’ve tried them all and my engineers brain appreciates how everything must add up and then and only then can we budget.

  • Started great, going downhill

    2
    By Wandering Photographer
    It all started great. It was usable and it was easy to use. Tweaks keep being made it is becoming increasingly unusable (especially the app) for what I need. The “Home” page is only customizable to point and it doesn’t work for me. I am unable to call my budget a budget (I am forced to use the word “plan”). I will be looking for a new platform before I have pay another hundred dollars.

  • Great, but they love to make changes for the worse

    3
    By backporchphilosophy
    Honestly, YNAB has changed the way I handle my finances and it’s helped me immensely over the few years I’ve been using it. But, they seem to really love to make changes that don’t seem to make much sense. My personal example from most recently, they’ve removed the transactions ready to review banner from the top of the Plan page, where I spend 99% of my time on the app, to the Home page. I assume in order to force everyone to see their content. It might seem like a really small thing, but it’s messed with my overall flow of how I use YNAB, and it’s made me consider moving on more than a few times now. I just wish they’d give the option of showing it on the Plan page. I would still recommend them, but prepare yourself for some updates that make you scratch your head sometimes.

  • Did not work

    1
    By Elliot.Mei
    I downloaded YNAB, even signed up (still in the free trial period), and filled out everything, liked my bank. Then the app would not refresh past the initial carousel. I deleted the app, re downloaded it, nothing worked. Trying something else

  • Pretty average

    1
    By Derekshreds
    Overall this is an excellent budgeting tool, but there are a few areas that are not good. Credit card support is poor, as you can’t just assign money to the account for payments. It’s easier to just not link them and make a payment category instead. Bank support for Chime is poor just like every other budgeting app. They reduce pending payments from the account balance, but that is already factored in, so you end up with a temporary double reduction per transaction, which can lead to inaccurate allocations. Investing account support is poor. It only shows my paper trading account, not my actual investing account, resulting in an inflated and inaccurate net worth. Transaction auto-mapping is poor. If you routinely spend in various categories from the same store, it auto-assigns the wrong category. Those instances should ideally start as uncategorized, or it can accidentally result in misallocation. Hidden due dates after funding a target is a hindrance to planning. I need to know when to move money into what account, as I manage multiple bank accounts. The result is this app being non-functional if you work with multiple bank accounts. It’s geared for a single account. It could be better by assigning which targets come out of certain accounts. I’m removing two stars for these failures. Update: Taking another two stars off. Transactions aren’t always showing up, imaginary transactions that didn’t happen and don’t exist are showing up, and general unreliable importing is making this fundamentally useless. Overassigned categories, even by accident, become permanently screwed after correction. You have to delete them and create new ones to get correct targets.

  • New version

    2
    By Amalo86
    I am not in love with this new UI at all. I have stopped using my iPhone to manage this and have completely gone back to my PC to manage YNAB..

  • Don't use it until the long term users come back

    2
    By Ivan S. C. Lugo
    I'm also a long term many year user of YNAB. I've seen it change from a tool for people with a specific way of budgeting things, to just another "growgrowgrow" business. The recent "home page" change is much worse than a misstep in UX. It's a loud shoutout that the company doesn't care about budgeting - they care about having a product to "keep people engaged". I always hated the blogs and podcasts and side chats but ignored them without issue because I was not one of the people that sought them out. Now, the UX was deliberately changed to make people that don't want that to see notifications to your budget state in a completely illogical place to drive clicks into the "platform content". Enough is enough. My attention span is not up for your casual manipulation. I've cancelled my subscription and am actively looking for a replacement. The only reason I still am using it is to not lose my long history. I'll stick around if they actually listen to the core base that wants to manage money and just the "focus mode" happen. I don't want platform insights, company tips, vALuE aDd PrOpOsiTionS, or community tools. I want a mobile piece of software that tracks money.

  • A weird cult. Disappointing changes, seemingly for the sake of change. Superfluous.

    1
    By GoDodgers!!!!!!!!!
    If it isn’t broken, why break it? I’ve been using YNAB for over a decade so I’ve seen it all. I started when you had to hold onto receipts and enter them manually. This was a lightweight, and fast application with a lot of reports you could run. Mind you, this was on the desktop. But it was its own standalone app. No internet required. It was a welcome change when they added the bank/credit account syncing. But they stopped developing a standalone app, and made you use their website to run any reports, etc. very disappointing. I’m rarely checking the app before a purchase and just manage the budgeting as the transactions roll in. The first few years the new YNAB was fine. Even good. Now I cannot say it’s good cause it would be lying and lying is bad. They started making changes to the workflow like unnecessarily creating additional steps that weren’t there before. Also, the company has seemed to develop into a type of weird cult. No joke. They had a meet up? How much did that cost to put on? Why is the company doing ridiculous things like this? It is an enormous waste of money. I have zero desire to meet any of these YNAb users, and I can’t be alone. It’s just so unnecessary and frankly, STUPID. The company has grown and grown and no doubt every department feels like they need to justify their unnecessary existence by producing unnecessary changes. It’s incredibly sad to see. YNAB is slowly but surely losing its way. It’s a shame to see. They aren’t even promoting the principles which guide the entire philosophy. The company seems lost and rudderless. They continue the pointless “features” and animations to justify their existence.

  • Crashes

    1
    By ShermaniacFTW
    Does not work, crashes whenever you try to login or make an account

  • Love YNAB but…

    5
    By ahhcfhbdhbcfhbxsfbb
    I love the app and how you can break down what is in my account. The only thing I wish could be done is break down targets to biweekly along with weekly/monthly/annually. Because I personally budget biweekly as I budget each paycheck

More by You Need A Budget LLC

  • YNAB

    You Need A Budget LLC

    4.79507

keyboard_arrow_up