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YNAB

YNAB

Never worry about money again

62K ratings
1684 reviews
#6 in top-grossing Finance
📊 Productivity
💰 Finance
Free
In-App Purchases

Details

Released
October 20, 2015
Updated
October 28, 2026

Features

Developer

You Need A Budget LLC
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YNAB video #1 for iPhone
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📉no. 6
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Reviews summary↘︎
⭐1.7K
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Alternatives↘︎
🎪2 available
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❓5 answered
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📦~ in 6 days
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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
Show original description

What users say about YNAB

Reviews of YNAB are mostly positive: the Finance app is rated 4.8/5 from 62K App Store ratings. What users like most: helps save money, intuitive and easy to use. Top complaints: steep learning curve, connectivity issues with some banks. Summarized from real user reviews.

Positive things

  • 💰Helps save money
  • 👍Intuitive and easy to use
  • 🚀Efficient budgeting system
  • 🤝Helpful for couples/families
  • 🧠Changes financial mindset
  • 💻Seamless desktop and mobile experience

Negative things

  • 🔍Steep learning curve
  • 🔌Connectivity issues with some banks
  • 💰Expensive subscription
  • 🕰️Reconciliation process could be improved
  • 📱Mobile app lacks some features of web version
See all reviews
+2

What's New in YNAB

26.41

October 28, 2026

Life is short, spend it well. Here’s how we’re helping you this week: • Card Mode now shows when a scheduled transaction is still uncleared.

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 29, 2026.

Events

Read more about Your New Spending Super Powers
Event EndedMajor Update

Your New Spending Super Powers

Siri, Shortcuts, and new views simplify spending

Sep 15, 2025 — Oct 15, 2025

Read More

Read more about Even Better with Apple Card
Event EndedMajor Update

Even Better with Apple Card

Import your transactions into YNAB instantly!

Mar 5, 2024 — Mar 26, 2024

Read More

See All

User reviews

Most RecentHighest RatedLowest Rated

Incontournable

Je ne peux plus me passer de YNAB ! Cette app rend la gestion du budget facile et ludique et je ne suis plus jamais à découvert
FFlorieBriand

Bad bad

Had such a hassle deleting my subscription,

I was automatically signed up for?
BBadb8itchfeeeeeeee

Fastest way to turn your life and finances around.

YNAB forces you to create a plan and be forward looking and take control of your finances and therefore life.
JLJoshau lalalalalal

Great app to track your finances

I have been using it for the last year and it is one of the best decisions I have ever took. It provides clarity in handling your finances and facilitates making a plan.
Highly recommended
RRamez.e.t

More clicks, broken functionality

The app has gotten away from its roots of simple design and functionality. Things are starting to break now too…such as the ability to select multiple new transactions and “bulk” categorize them all at once. The “Categorize” button at the bottom/right is literally unresponsive
Jjiden77
See 1679 more reviews

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.