YNAB

In-app purchases
4.4
23K reviews
1M+
Downloads
Content rating
USK: All ages
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About this app

Have you ever worried about money? You are not alone.

Download YNAB, get good with money, and never worry about money again.

Start your free one-month trial and stop feeling like you’re bad with money.

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.

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

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-with-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 with 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 Google 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
Updated on
Oct 21, 2025

Data safety

Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region, and age. The developer provided this information and may update it over time.
This app may share these data types with third parties
Personal info and Device or other IDs
This app may collect these data types
Location, Personal info and 4 others
Data is encrypted in transit
You can request that data be deleted

Ratings and reviews

4.4
22.4K reviews
Lisa Finger
July 18, 2025
I'm coming up on a year since I started using YNAB. It has changed the way I look at money and more importantly, how I save money. I've used other budgeting apps over the years, but they did not have the support system to help me learn how to create a budget that works for my family. With YNAB, there are video tutorials on their website and YouTube that teach you about budgeting and for the first in my life I'm controlling my money instead of my money controlling me.
44 people found this review helpful
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ynab.com
July 18, 2025
Amazing review, Lisa! 🎉 We're so glad you found YNAB, and it's made such an impact on your life. It's wonderful to hear that our educational videos on YouTube and the website have helped you succeed. Here's to feeling in control of your money—and happy YNABing! -Blair@YNAB
Marseille Bouisson
March 31, 2023
Instead of writing the expense right away, you have to write a budget for each line item. How do you know the budget? Write down at random how much to spend on pizza per month? Better Easy Expence, where you can start using, than spend a lot of time setting up. By the way there is a trial, which is already good. Still, it's not a pure budgeting app. It can only account based on your money. Write that you have 1 million in your account so the app doesn't piss you off with red alerts.
1 person found this review helpful
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ynab.com
May 4, 2023
Hi there, thanks for leaving a review and giving us this helpful feedback. I will definitely pass it along to our team! - Natalie @ YNAB
David Dütting
November 13, 2020
YNAB has changed my life. Period. If you feel like you never know where all your money goes and are constantly struggling with bills then get this app. Have been a user way before they even had an app, back when it was more an Excel sheet on crack. But the app makes everything sooo much easier. It literally takes seconds to input a transaction. The app also saves the location of the last Payee. So when you leave your grocery store and pull up the app, it will have all the right information already in there, you just need to input the amount and press save. I am from Europe so I don't even have the option to automatically input transactions and I STILL would recommend this app. Get it. Don't look back.
12 people found this review helpful
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ynab.com
January 12, 2021
Hey David, Thank you so much for the five-star review, and for being such a longtime YNABer with us. We truly appreciate you! ❤️ "an Excel sheet on crack" is definitely my favorite way I've heard the original YNAB described 😆 - Matt @ YNAB

What’s new

We’ve spruced up the Manage Connections flows! Manage Connections adds nicknames, clearer bank connection statuses, bank logos, and visual cues to show which accounts are linked (and which are still flying solo). Plus, you can now multi-select when reviewing transactions.