YNAB

YNAB

By You Need A Budget LLC

  • Category: Finance
  • Release Date: 2015-10-20
  • Current Version: 24.6.1
  • Adult Rating: 4+
  • File Size: 122.87 MB
  • Developer: You Need A Budget LLC
  • Compatibility: Requires iOS 16.0 or later.
Score: 4.81465
4.81465
From 50,062 Ratings

Description

Where does your money go? Frustrated you’re not getting ahead? Unsure about your future? You’re asking the right questions but the world thinks about money all wrong. You aren’t broke, but your money mindset is. It’s time to change your relationship with money. You need a set of habits to change your mindset and 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 money mindset for good. As the habits become second nature, you’ll stop fighting about money, make better decisions, and sleep better at night. Are you ready to feel confident and secure about your money (and so much more)? Start your one-month free trial today! Features: -Built for Partners & 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 & 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, videos, written guides, and more Testimonials: "I never, 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 “Now that net worth is creeping upward, it’s such a relief. I’m sleeping better now. Our arguments about money have magically evaporated.” -Jonathan, Former Mint User "Three 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've been using YNAB for over two years, and my fiance and I will be paying for our wedding without any loans because of YNAB." -@Thai_Jonny 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/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

  • Best personal finance app

    5
    By CSIowa
    YNAB has changed my relationship with money. It’s easy to see the trade-offs I am making, and easy to move money when I change my mind. It’s the best money tool I have ever used.
  • Great Methodology & Ecosystem

    5
    By Charliemander_
    The YNAB methodology has changed my family’s entire financial story. I highly recommend it to anyone looking to take control of their financial situation. I do wish that the mobile app had more reports available, such as the income v expense report of the spending report. It seems like the mobile app is falling behind there.
  • Excellent Budget App!!!!!

    5
    By BrandoMiller
    I’ve been using this app now for a couple of years and I really enjoy it. I had a couple glitches here and there with my bank account not syncing up, but overall has been a great experience. I would really like though if there could be a little more reporting on the iOS mobile app
  • Way better than Mint!

    5
    By necopium
    Moved to YNAB after mint closed down— this app has fantastic features and I’ve never felt more knowledgeable about where my money is going. I love maintaining my accounts every day to make sure they’re all up to date.
  • Good for Budgeting but could use improvement

    4
    By EC0087
    I have been using the app for 3 months and it is a good app for monthly budgeting. It is easy to classify expenses to your categories and see how your money is used. The website is very robust. The app is great but has a learning curve. This is a good system if you want to share a budget with a partner. Here are the things I don’t like. 1) If you have certain credit cards, you will have to reauthorize every few days; re-enter your password and sign in - or else your transactions won’t show up in the app. 2) It takes a long time for credit card transactions to show up in YNAB. YNAB even encourages you to manually enter transactions yourself, which is time consuming and prone to error. I would prefer if credit card transactions showed up in a day or two. 3) Tracking Investments in YNAB: the account balances and transactions never updated. Looking at Reddit it seems other people had to enter transactions manually because YNAB doesn’t update. I ended up deleting my investment accounts out of YNAB as I’m not interested in manually updating balances. Despite these drawbacks, YNAB can help you learn where your money goes each month so you can easily identify areas that need improvement.
  • Great if you’re willing to put in the work

    5
    By Idkmick
    Budgeting and finances has always been a sore subject for me. A lot of apps just shame you into saying your spending all your money here or there and you feel like you just can’t get a grip. YNAB asks you start TODAY. Don’t review yesterday or the day before. How much money do you have today and what are your plans for it. That mindset has made me accountable for my money but also assures me that I can spend money on these things I want in my life because I planned for it. If you’re willing to put your mind to it. YNAB is incredible
  • Does not import transactions

    1
    By DinoTapSucks
    Did not import transactions for the month when i linked my accounts. Hate their proactive motto, I want to see all my data. You'd think paying $15 a month there would be both Budget and spending trackers. Not worth the price, lacking features. I’ll just use Chase’s budget tools on their app. Way better and free
  • Somehow budgeting became fun!

    5
    By granma 10
    I really love using YNAB. We had the budget - it was keeping track of our expenses that was hard. Not with this! I check it multiple times a day just because it is fun. There are so many helpful videos. After 37 years of marriage this is the most I have ever budgeted! Thanks YNAB!
  • How do people live without YNAB?

    5
    By Mykayla90
    Not a rhetorical question. I’ve been using YNAB since I was 20 and it was just computer software — literally a life saver. I’ve used other apps and nothing compares.
  • Easy to navigate budgeting app

    5
    By Hobbes045
    I started using this app back in January and really like it. The free one year subscription for students has allowed me to give it a shot without breaking the bank. The free training webinars they offer were helpful and I’m using it for long term savings goals and loan repayment plans.

keyboard_arrow_up