YNAB

YNAB

Never worry about money again

62K ratings
1655 reviews
#6 in top-grossing Finance
📊 Productivity
💰 Finance
Free
In-App Purchases

Details

  • Released
  • Updated
  • October 20, 2015
  • October 7, 2026

Features

YNAB video #1 for iPhone
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About

This app helps users gain control of their finances by creating flexible spending plans, tracking expenses, and managing debt. It aims to reduce financial stress and empower users to reach their goals. Features include account linking, manual transaction entry, and collaborative planning for multiple users.

✓Create and share unlimited spending plans
✓Automatically import transactions
✓Manually add transactions
✓Loan Planner for debt paydown
✓Visualize progress towards goals
✓Real-time updates for shared plans
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What users say

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+1

What's New in YNAB

26.38

October 7, 2026

Life is short, spend it well. Nothing major this week, just some small fixes and improvements under the hood.

6

Subscriptions & In-App Purchases

YNAB Subscription

Proven results = total control of your money.

$14.991 Month
1 Month trial
How to cancel YNAB subscription ⁉️

Charts

Top Grossing

📉 6-1

Finance

This app dropped -1 position in Finance chart.

Last updated on October 8, 2026.

Events

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User reviews

Good app overall, needs more data

I like this app overall. Makes it easy to track expenses and makes budgeting easier. However, I often find it is lacking in retrospective data. “How much money did I spend this month in xy or z category, and how does that trend over time?” Technically, this data is possible to pull (at least some of it), but it’s not easy and it’s not part of the budget plan itself. I wish it was easier to access. But overall, if you struggle to budget, this is a helpful tool.
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Do you ever listen to your users?

STOP making all of these stupid visual changes. I did not sign up with YNAB for you to change all the visual flags every single week. By far, this app is the worst app I have ever used. I only use the desktop app because the app that you force upon us is so badly designed that it is inferior to my workflow. Rather than ask us for ideas about what we would like to see, why don’t you just roll back all of the changes you’ve made over the past five years?
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The best

I love this app. I have a clear picture of my financial situation.

Does the job, but kind of complicated to use

This app can be very helpful for budgeting, but if you’re new to it, it’s kind of complicated. It caters well to those getting out of debt, but not to those who use credit cards without carrying a balance. I didn’t see a tutorial, but if there is one, it should be more obvious. Genuinely LOVE that it notifies you of transactions that need to be categorized and that it summarizes your spending for you to reflect on.
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Best investment

I have been using YNAB for 5+yrs and I can’t imagine not having it! I’ve started my friends and family on it and they’re hooked too. It’s helped me manage, plan, save, and keep my head above water during stressful times. Highly recommend to everyone no matter where you are in your journey!

User experience

🐞

Reported Bugs

2 issues

Frequent disconnections from bank accounts

Bug

Syncing issues between mobile and web versions

Bug
✨

Requested Features

5 requests

Fortnightly budgeting options

Feature

Improved reporting and analytics

Feature

Ability to upload files/documents

Feature

Undo/redo functionality

Feature

Biometric login for mobile app

Feature

FAQ

What does YNAB do?

YNAB is a personal finance management application designed to help users get better at managing their money. It focuses on proactive budgeting, tracking expenses, planning for the future, and reducing debt. The app aims to reduce financial stress and empower users to achieve their financial goals.

What are the key features of YNAB?

Key features include the ability to create and share unlimited spending plans with up to six people, automatically import transactions by securely linking financial accounts, and manually add transactions. It also offers a Loan Planner to help calculate debt paydown progress and visualize progress towards financial goals.

How much does YNAB cost?

YNAB offers a free one-month trial. After the trial, it operates on a subscription model, with options for monthly or annual billing. The subscription is auto-renewable and payment is charged to your iTunes Account upon purchase confirmation.

What devices is YNAB compatible with?

The app description mentions real-time updates between devices and the ability to ask Siri for updates, suggesting compatibility with iOS devices. While not explicitly stated, personal finance apps typically offer web and Android versions as well.

Who is YNAB for?

YNAB is designed for anyone who worries about money and wants to gain control of their finances. It's particularly beneficial for individuals and couples looking to stop arguing about money, pay down debt, feel more organized, reach financial goals, and spend confidently.