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YNAB

YNAB

Never worry about money again

61K ratings
1572 reviews
#5 in top-grossing Finance
📊 Productivity
💰 Finance
Free
In-App Purchases

Details

  • Released
  • Updated
  • October 20, 2015
  • August 27, 2026

Features

Developer

You Need A Budget LLC
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YNAB screenshot #1 for iPhone
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❓5 answered
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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

Summarized from real user reviews of YNAB. Based on 61K reviews and a 4.8/5 average, it highlights the 6 positives and 5 negatives reviewers mention most about this Finance app.

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
+1

What's New in YNAB

26.32

August 27, 2026

Life is short, spend it well. Here’s how we’re helping you this week: • Auto-categorization is now smarter! A single, one-off recategorization won’t change a payee’s usual category. Instead, the default category will only change when 2 of the 3 most recent transactions agree on a different category.

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Subscription plans

YNAB Subscription

Proven results = total control of your money.

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

Charts

Top Grossing

📊 5

Finance

The app has maintained its position at 5 recently.

Last updated on August 28, 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

The best

YNAB has been an app me and my family have been using for probably close to a decade. It allows us to be in control and get ahead.
Bryan FeilBryan Feil

Latest update backslides

It’s really less useful at a glance now.
DoritoStyleDoritoStyle

Great budget!

Finally seeing my savings grow after being stuck at 9K/10K for a few years. After 1 year of daily use and mastery, I’ve increased my savings from 10K to 22K (increase would be only maybe to 18K without job promotion/income increase). There is a learning curve, but the early effort put in is worth it. Would highly recommend!
Show more
Ruva MRuva M

The 2 star rating is for the app

Tired of the majority awful and unnecessary UI updates
lulu008lulu008

Too Complicated

Too much extra bull.
inkking79inkking79
See 1567 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.