YNAB 4+

Spend, save, and give joyfully

You Need A Budget LLC

    • 4.7 • 926 Ratings
    • Free
    • Offers In-App Purchases

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

What’s New

Version 24.6.1

What’s new in iOS 24.6.1

This update might not burst with fireworks or confetti, but it's just as exciting—the thrill of spring cleaning, ya know? We've been in full-on declutter mode, meticulously sprucing up the nooks and crannies of our app to ensure a smoother experience for you. Why not ride this wave of freshness? Take a moment to dust off your spending plan and give your categories a little springtime sparkle. It is all about starting the season fresh and organized!

Ratings and Reviews

4.7 out of 5
926 Ratings

926 Ratings

Banya Meadow ,

Feine Sache!

Für mich als jemand, der Geldangelegenheiten bisher am liebsten ignoriert und sie eher der besseren Hälfte überlassen hat habe ich erstmals einen wirklich kompletten Überblick über unsere Finanzen und die (bisher) unsichtbaren Löcher, in denen das Geld verschwindet. Ich nutze YNAB seit ca 2 Wochen und ja, es ist ein Haufen Arbeit alles einzupflegen, aber es lohnt sich total. Die App funktioniert auch reibungslos und tut was sie soll.
2 kleine Kritikpunkte habe ich: 1. nur auf Englisch, 2. nur webbasierte Anwendung am PC möglich. Schön wäre es, wenn in der mobilen App die Überkategorien such einklappbar wären. Das würde es am eh schon kleinen Handybildschirm übersichtlicher machen.

Jazz09! ,

Diese App hat meine Finanzen revolutioniert!

Ich kann gar nicht genug ausdrücken, wie toll ich dieses Programm finde. Ich habe vor mittlerweile 3 Jahren angefangen, YNAB zu benutzen. Damals war ich noch Studentin mit wenig Geld. Diese App hat mir einen Überblick über meine Finanzen und die Bestimmung meines Geldes gegeben. Heute verdiene ich zum Glück selbst Geld und kann mir immer noch (oder gerade deshalb) ein Leben ohne ynab nicht mehr vorstellen. Es macht Spaß, meine Finanzen zu regeln und ich weiß ganz genau, für was ich mein Geld verwende. Ich kann mir mit gutem Gewissen Wünsche erfüllen und langfristige Sparziele verfolgen. Dieses Programm ist jeden Cent wert.

komorebi223 ,

Hat mein Leben verändert

Bis vor einem Jahr habe ich mein ganzes Erwachsenenleben (mehr als 20 Jahre) in einer finanziellen Schieflage verbracht. YNAB hat mir geholfen, mir ein klares Bild von der Realität zu machen und langsam aber sicher aus dem Chaos herauszukommen - und das ohne unerträgliche Einschränkungen.

Ich persönlich empfand den Einstieg als sehr leicht, und es gibt genug Infomaterial in Form von Videos und Artikeln, die einen unterstützen. Die App funktioniert zuverlässig- man muss sagen, dass es empfehlenswert ist, zusätzlich auch die App im Webbrowser zu nutzen. Klare Empfehlung von mir, gerade auch für Leute, die schon häufig erfolglos versucht haben, ein Haushaltsbuch zu führen.

Developer Response ,

What an amazing review! Thank you so much for sharing your story. We're thrilled to hear that YNAB helped you gain control over your finance, that's a huge win! It sounds like you really put in the work to make it happen. 🙌 Happy budgeting! \- Jill@YNAB

App Privacy

The developer, You Need A Budget LLC, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Linked to You

The following data may be collected and linked to your identity:

  • Purchases
  • Financial Info
  • Location
  • Contact Info
  • User Content
  • Identifiers
  • Usage Data
  • Diagnostics

Privacy practices may vary based on, for example, the features you use or your age. Learn More

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