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
When you’re dealing with just one currency, it’s gonna work. But if you earn, spend, save, and invest in different currencies, the app can’t handle that properly.Theoretically, you can set up separate budgets, but it’s almost worthless and doesn’t add any clarity.
Developer Response
We do have a setup that can help if you regularly use multiple currencies, but you're right — it's not actively built into the app just yet. Feel free to reach out to our Support team (help@ynab.com) if you'd like help in gaining some clarity between those two plans! 😊 -Renae @YNAB.com
Slow development
NikolaLNS
I’ve been using YNAB for many years, but for an app that I’m paying a 100$ per year I’d expect the devs to show that some work is being done. We are still missing relatively basic features that people have been asking for for years, such as multi currency and a calendar view. If you look at the version history for the past year:- regular bug fixes- minor UI changes- a new report (we are up to 3 whole reports after ten years)- Apple Card (not supported in most of the world)If this was a free app this would be more than enough, but for this price I expect the app to improve much faster. I really like the YNAB system, but the app has a few big issues because of which I’m actively looking for alternatives.EDIT: while I appreciate that the devs took time to respond, the response is making out multiple currency support to be much more complicated than it is. As a former iOS developer I know it’s not something that will take a few days rather a couple of sprints, but I also know there are many free APIs that provide conversion data (but considering the price of YNAB they can use a paid one) and that many free apps have this relatively simple feature. It doesn’t have to be perfect, as this is not a banking or trading app, and almost any form of multi currency support would be more precise than what we currently have (adjusting balances manually).
Developer Response
Hi NikolaLNS, thanks for sharing your thoughts and for using YNAB these many years! I understand the improvements from the past year aren’t what you hoped to see. As a long-time international YNABer myself, I know YNAB’s vision for the app is different from my own. I would love a true multi-currency update! That said, it would require us to dive into the world of currency exchange, which changes moment by moment—and that’s simply not in our scope right now. While I can’t promise your favorite features are coming, know that we do hear you. I also invite you (and anyone interested) to check out http://ynab.com/whats-new to see what else we’ve worked on, or reach out via help@ynab.com to share ideas or ask questions anytime. ~ Lauren @ YNAB
Life is short, spend it well. Here’s how we’re helping you this week:
• We fixed a bug so that Hide Amounts, when enabled from the Share & Earn hub, successfully hides all of your numbers.
• Want to show off where you bought your trinkets without revealing how much you spent on them (a very reasonable amount, we’re sure!)? You can now access all tabs while using Hide Amounts, including Spending and Accounts.
Version 26.28
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, for example, on the features you use or your age. Learn More
The developer indicated that this app supports the following accessibility features. Learn More