YNAB (You Need A Budget)

YNAB (You Need A Budget)

By You Need A Budget LLC

  • Category: Finance
  • Release Date: 2015-10-20
  • Current Version: 2.6.1
  • Adult Rating: 4+
  • File Size: 76.75 MB
  • Developer: You Need A Budget LLC
  • Compatibility: Requires iOS 10.0 or later.
  • App Ratings:
    4.5/5 ( 3,405 App Reviews)
  • Price:
    Free
YNAB (You Need A Budget) App Ratings: 4.5
4.5
Based on 3,405 App Reviews
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YNAB (You Need A Budget) App Details

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 an Annual Subscription Subscription Details - 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. Terms of Use: https://www.youneedabudget.com/terms/?isolated Privacy Policy: https://www.youneedabudget.com/privacy-policy/?isolated

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YNAB (You Need A Budget) App Reviews

  • Would be great...

    1
    By JJ2875
    Unable to sync bank info, really is a deal breaker. Looks like a great app, but this is an essential component. I do my banking at a major bank and it has been non-functional since the onset.
  • Please update this app!!!

    4
    By MilMike
    Love the YNAB system and book. Please, for the love of all that is holy, update this iPad app for the new iPad Pro’s! The black screen space on the side is driving me batty. Also, it would be great to be able to search transactions. I do most everything in the iPad and I hate having to go to my MacBook when I need to hunt down a specific transaction
  • 5 years

    5
    By Niccarwri
    Been using YNAB for 5 years. Better than therapy at putting my mind at ease about money.
  • Exactly what I was looking for

    4
    By Moki tree
    The YNAB “system” is exactly what I was looking for to help my wife and I organize and track our budget/spending/goals. Tried other software/apps like Quicken, Personal Capital, Mint and a few other lesser known but always ended up going back to my old Excel + Dry Erase board system. Was debating between YNAB and EveryDollar and decided to try YNAB first, initially because it was cheaper (though not by much now) and also based on online reviews. I found that YNAB just clicked for us so never got around to trying EveryDollar ... been on YNAB for almost a year now. There are a few things that take some getting used to and a certain level of granular/auditing detail that I feel is missing, but these “wish list” items are way overshadowed by YNAB’s simple and pragmatic approach and overall user experience. The mobile app is functional and provides all of the features you need when you are out-and-about. Geotagging places we frequent (grocery stores, coffee shops, etc) and remembering the category and spending account I last used at that location make recording spending quick and easy. You can also quickly check your budget’s status because it syncs all updates to the cloud near instantly. The only downsides I’ve run into with the mobile app are that you can’t reconcile (at least not at this time) and you can’t undo actions. For those features (and a few others) you’ll have to go back to a desktop browser - I’ve tried on IE, Edge, Firefox and Chrome and haven’t run into any issues. Also automatically syncs (imports) transaction from your bank account at regular intervals with very few (if any) hiccups. At the end of the day, the “best” system is the one that accomplishes the mission and is efficient/easy for all to use. YNAB met the criteria perfectly for us.
  • Love YNAB since 2014

    5
    By Ralph Russo
    The new updated version is fantastic! I’m retired and it is invaluable to living on a fixed income. 👍🏼👌
  • I can’t stress enough how wonderful this is.

    5
    By Jeffwestbolivia
    I have spent the last few years with this app and the classic version it is hands down the best budgeting software out there. I volunteer my time helping people put their finances in order and have tried to work with other apps. The people that have had the most success use YNAB. It has made the difference for me and my family being able to stay with the program. Take it and run with it. You will be so happy you did!
  • Perfect if you like budgeting

    5
    By alcatholic
    If you like budgeting but find your spreadsheet labor intensive, or the “tracking” apps unsatisfying in ways that might be hard to explain, YNAB will feel like coming home… as you start it couldn’t be simpler, as you get momentum it couldn’t be more fluid and efficient, and soon it does everything you think you want to try. The app doesn’t make you look back and put in all the effort to just tell you where you’ve been financially. It helps you see your future money choices, answers questions or concerns about your future money choices, and gives you confidence that once the app says you can do something there is no doubt. You can spend that money you set aside for braces and not think twice how or if it will affect next summer’s vacation. It’s fundamentally sound in its concepts and remarkably bug free, so I have zero frustration using it. The pay off for the effort in using the app is instant and high over time, too. It removes the guess work on purchase timing or mental accounting common with budget apps that give you budget category “goals” based upon “expected” or future income. That way lies madness! YNAB’s way is certainty and confidence.
  • Life changing

    5
    By swimgal978
    YNAB has been absolutely integral in me becoming aware of my money, and especially learning how to spend on stuff I really do want and save on the rest. The app is great, and on the few occasions I’ve needed to contact Support (mainly because I was trying to do tricky things and couldn’t figure out how), they were awesome! This system definitely has a bit of a learning curve because the style of budgeting is not the same as some others. That said, it’s absolutely worth it.
  • I love this app!!!

    5
    By Relkriv
    Four years ago, I was about $30,000 in debt and money was evaporating out of my wallet at every turn. We spent $2000 more than my wife made one month (thankfully we had savings to cover that!) and my wife finally agreed that we need a budget! We started using YNAB and went from $2000 over budget to a month ahead on all our expenses, because we gave every dollar a job and were able to immediately age our money! With YNAB, my wife and I have much better transparency and communication about money, we’re more generous, putting 10% of our money in our donations category and actually donating it, and putting about 12% of our income away for retirement and a little bit each month for my daughter’s college! And most importantly to me, we are DEBT FREE!! I dragged my student loans around from age 18-34, and we paid them off in April. The app itself was an amazing improvement from the old app, and I LOVE budgeting on my phone in the morning while I drink my coffee. My only wish for the app is that reconciling could be a phone app feature as well.
  • Totally Revolutionized Our Finances

    5
    By Wakeupcall1311
    YNAB has completely transformed how we spend and save our money. Not only is the app incredibly easy to use but it’s so easy to see where we’re overspending, how close we are to our spending goals, and also helps us keep track of our accounts without switching apps. We cannot say enough about YNAB. For the first time I feel like we have completely control of our finances. The $50 a year we spend for it is nothing compared to the amount we have saved! This is the best money you’ll ever spend especially if you’re having trouble keeping track of your finances. Plus, you get the first 30 days free! Try it, you won’t regret it!

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