YNAB
YNAB
Download on App Store

This page is not an official page of the app or its developer, but an independent editorial publication created for informational and commentary purposes. Unless expressly stated otherwise, neither the app nor its developer is affiliated with, endorsed by, sponsored by, authorized by, or otherwise officially connected with MWM, Apple, Google Play, the app publisher, or the app's developer, and nothing on this page implies that the app was developed using MWM's services. Any trademarks, logos, screenshots, and other content remain the property of their respective owners.

Logo of YNAB
Download on App Store

YNAB

YNAB's method gives users clarity, transforming chaotic finances into a clear path forward.

Key Figures

Downloads

2.5M+

User Rating

4.8/5

Total Ratings

69.1K

Publisher

You Need A Budget LLC

Category

Finance

Locales

1

Latest Version

26.13

Size

145.7 MB

First Released

Oct 20, 2015
Features

Analyzing core functionalities designed to foster financial independence and reduce stress for proactive individuals.

YNAB: A Software Evaluation for Financial Empowerment

Zero-Based Budgeting Methodology

This fundamental principle allows users to assign every dollar a specific job, enabling confident spending by always knowing how much is available for each category and preventing overspending.

Goal Setting & Progress Visualization

The app allows users to define financial goals (e.g., saving for a down payment, retirement) and visually track their progress, providing motivation and clarity on their financial journey.

Debt Management & Loan Planning

It features a dedicated Loan Planner that helps users strategize debt repayment, calculating potential interest savings and estimated payoff times, which is vital for those aiming to eliminate debt.

FAQ

Frequently Asked Questions

Everything you need to know about YNAB

What is the YNAB app?

YNAB is a budgeting application designed to help users manage their money effectively. It assists in planning, tracking, and controlling finances to reduce stress and achieve financial objectives.

Does YNAB offer a free trial period?

Yes, YNAB offers a free one-month trial. Users can download and begin using the app without immediate cost to explore its features before subscribing.

Can multiple users share one YNAB subscription?

Yes, a single YNAB subscription allows users to create and share unlimited budget plans with up to six people. This facilitates collaborative financial management for families or groups.

The following screenshots and description are sourced directly from the app's official store listing and are the property of the app developer.

App Store

Screenshots

YNAB - Explore the app's intuitive home screen, displaying both 'Ready to assign' funds and categorized 'Top Priorities' to guide spending.

Explore the app's intuitive home screen, displaying both 'Ready to assign' funds and categorized 'Top Priorities' to guide spending.

Dashboard Overview

YNAB - Understand personal spending with the 'Cost to Be Me' feature, detailing 'Monthly Income' and various 'Regular Expenses' for clear financial planning.

Understand personal spending with the 'Cost to Be Me' feature, detailing 'Monthly Income' and various 'Regular Expenses' for clear financial planning.

Define Your Budget

YNAB - Organize monthly finances by viewing 'Ready to Assign' funds and tracking allocated amounts for 'Living Expenses' like groceries and utilities.

Organize monthly finances by viewing 'Ready to Assign' funds and tracking allocated amounts for 'Living Expenses' like groceries and utilities.

Spending Plan

YNAB - Track progress towards financial objectives, as demonstrated by the 'Hawaii Vacation' goal showing the current 'Balance' and a 'Target' met.

Track progress towards financial objectives, as demonstrated by the 'Hawaii Vacation' goal showing the current 'Balance' and a 'Target' met.

Achieve Your Goals

YNAB - Effectively address unexpected costs by utilizing the 'Cover Overspending' tool, which allows reallocation from categories like 'Emergency Savings' to mitigate budget impacts.

Effectively address unexpected costs by utilizing the 'Cover Overspending' tool, which allows reallocation from categories like 'Emergency Savings' to mitigate budget impacts.

Manage Overspending

YNAB - Access financial updates on the go with Siri, instantly providing balances for categories such as 'Groceries' directly from the app.

Access financial updates on the go with Siri, instantly providing balances for categories such as 'Groceries' directly from the app.

Siri Integration

YNAB - Facilitate shared financial management through 'YNAB Together,' enabling users to 'Share access' to plans and see group 'Members'.

Facilitate shared financial management through 'YNAB Together,' enabling users to 'Share access' to plans and see group 'Members'.

Collaborative Finance

YNAB - Gain clarity on financial health with comprehensive reports, including an 'Income vs. Spending' chart and a 'Net Worth' tracker to visualize progress.

Gain clarity on financial health with comprehensive reports, including an 'Income vs. Spending' chart and a 'Net Worth' tracker to visualize progress.

Financial Insights

YNAB - Enhance financial literacy with tailored educational content, such as the 'YNAB Foundations' module within the 'For You' section, designed to improve money management skills.

Enhance financial literacy with tailored educational content, such as the 'YNAB Foundations' module within the 'For You' section, designed to improve money management skills.

Learn & Grow

Description

Have you ever worried about money? You are not alone. Download YNAB, get good at 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 at 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-at-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 at 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

Download

Download on App Store

This page is not an official page of the app or its developer, but an independent editorial publication created for informational and commentary purposes. Unless expressly stated otherwise, neither the app nor its developer is affiliated with, endorsed by, sponsored by, authorized by, or otherwise officially connected with MWM, Apple, Google Play, the app publisher, or the app's developer, and nothing on this page implies that the app was developed using MWM's services. Any trademarks, logos, screenshots, and other content remain the property of their respective owners.