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: 2.2
  • Adult Rating: 4+
  • File Size: 62.51 MB
  • Developer: You Need A Budget LLC
  • Compatibility: Requires iOS 10.0 or later.
Score: 4
From 1,489 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 an Annual Subscription 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 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/



  • Too complicated

    By azbuck66
    I have been desperately searching for an app to get my finances under control. This one isn’t it. Again, this is way too complicated and confusing. I feel like I need either a degree in economics or programming to use it. First, it keeps wanting me to budget my savings for expenses. This the exact opposite of what I want to do. When my bank shows a payment to a credit card or loan it doesn’t seem to do anything to the balance of the corresponding account. I don’t understand why someone can’t make a simple budgeting app. Maybe it’s time to go back to pencil and paper. At least the cost of those isn’t a budget buster like the cost of these apps.
  • Love this app

    By bryjenmun
    I really love this budget app. It’s easy to use, it’s intuitive, and it has so many features that a budget needs. I would suggest two tweaks: 1. The ability to hide or delete temporary budget categories (such as saving for a special event) without losing the history of that category forever. 2. Somehow make it more forgiving to change the amount of a budget category. I often find that when I am on my phone, it is too easy to accidentally make my change to the wrong line, and there’s no undo button. Once you start typing, it’s hard to se the line you are working on. Otherwise I commend this app, and recommend it all the tine.
  • Thank you for the update!

    By Addicted to budgeting
    An update for your app is one of the few app updates that I am excited to see! I’ve already noticed a couple of the fixes and they are SO helpful! Your app is just plain packed with good stuff! You’ve just thought of everything! Thank you so much! I love using the desktop (cloud) version too. Sometimes my phone screen is just not big enough. Kind of like being cramped in the car on a long car ride and it feels good to stretch your legs...and see my budget on a bigger screen. I like to visualize my budget and using YNAB is the best way to do it. I’ve tried so many other ways to budget the last 25 years...and none has been successful until I started using YNAB. I love the new cloud version. I got frustrated with YNAB 4 for several reasons and gave it a break (and used the free version of Every Dollar, which was nice to look at, simple and easy to use, and smooth in many ways but lacked a lot). When I tried YNAB again after about 9 months, almost everything I was frustrated with was fixed, and now about a year later, everything is fixed. I’m VERY impressed with your developers! Thank you for your hard work!! Make sure they see this!
  • YNAB is the best budgeting app out there

    By PrticulrJustice
    A friend turned me onto YNAB and our family has been spending more wisely ever since . Well worth the annual subscription in what you will save and be more aware of around your finances
  • Trial Period User

    By yahoouser88
    The app seems to be very thorough and I like the light hearted approach. Challenges include importing transactions - it is kluge and unreliable. From my desktop, it would not connect, but trying from my phone, it connected and readily imported. This aspect of the tool is the only thing keeping me from paying for the year’s subscription - it’s fundamental to the process.
  • Love the app, but not the iPad mobile version

    By Beck58
    Revised review — maybe it’s just my new iPad. I’ve been using YNAB on chrome under W10/Surface and just switched to iPad. YNAB won’t let me use the web version on the iPad. It force redirects me to the mobile app - ugh... I’m going to submit a help ticket to see if there’s alternatives. I need this app - it’s super. Just don’t like the Mobile only option on the iPad. —————————- I’ve used the app a while and yes I love it. But this upgrade… Really? Dark green on dark gray in a small font for totals “really pops” - really? Totals are the numbers you want to quickly reference and track - they should pop and IMO they don’t. Yes I use my iPad in the dark. My choice. I should still be able to read it. Turquoise on white and dark green on dark gray just doesn’t cut it for me. I guess I’m stuck between using the classic with it’s bugs or upgrading and fighting the UI. Bummer…
  • Security?? No TouchID

    By bcbeatty
    Please turn on Touch ID! This is the only financial app I'm aware of that Doesn't use touch ID and saves you passwords to not only the app, but also to credit cards and bank accounts. It would be a 4 or 5 star app once you implement Touch ID
  • Frustrating

    By Just Trying in PA
    I love the concept. And I was doing this via another program way before ynab. This program just makes it easier. However the direct import is hit or miss. So many times it just disconnects. Right now mine aren’t working? Was told it might take a few weeks to fix. Huh?? And blaming on their direct importer. Do you aren’t doing the importing? It’s a third party? Very confusing as to the process. But left with a useless app right now and I’m paying for the monthly piece? Hmm. Not happy.
  • The Online App is Now Very Rigid

    By JFavia
    I was a YNAB fan early on, even owned the standalone application. I loved the ability to sync to my phone and to even keep up two different budgets (household and personal). I was not thrilled when it became an online application with a $45 a year price tag, but I figured I would give it a shot. After a year and a half, I am running into new ways that they want to control my budgeting process and I am done. In the old days, I could choose how to handle a budget category in the red: move funds from another category, charge to available balance or carry to the next month. Now they will carry credits forward, but not debits. Those are automatically charged to available funds. No choice, no workaround. This is a deal breaker for me. They do a great job of helping people in debt or who have tight finances. Neither is true for me so I want more flexibility. For $45 a year, that doesn't seem like too much to ask.
  • Changed my financial world completely

    By jmacgregor
    YNAB is levels above the competition. It’s budgeting software and rules completely reshaped the way I view and spend money.