YNAB

YNAB

Never worry about money again

61K ratings
1528 reviews
#5 in top-grossing Finance
📊 Productivity
💰 Finance
Free
In-App Purchases

Details

  • Released
  • Updated
  • October 20, 2015
  • July 29, 2026

Features

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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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What's New in YNAB

26.28

July 29, 2026

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.

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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 8, 2026.

Events

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User reviews

Latest update is bad

I have used YNAB for years. Gifted my daughter a subscription and few years ago and she loves it too. It has helped us both stay debt free. But this last update is causing me grief! So glitchy and not nearly as seamless as before.

True Budgeting Unlocked

I discuss money with people for a living. YNAB has helped me and my wife tremendously. We too have fallen into the “lifestyle creep” as we grow our professional careers. YNAB has helped us not only with tracking expenses, but also behavior modification. Making informed decisions with finances is so important. YNAB allows you to make financial decisions with confidence. I highly recommend this app to anyone who feels like they’re behind, needs clarity with their finances, or even is at a good place financially.
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French option

I love the app but I would love a French version of it

YNAB Letting Go of Ben, Hannah, and The Budget Nerds Podcast Changed My Opinion of Them Forevor

I researched many budgeting apps before deciding on YNAB. The truth is, zero-based budgeting is no longer unique. Many apps offer the same budgeting method.
What made YNAB stand out wasn’t just the software. It was the content creators.
For me, content creators like Ben and Hannah, and especially the Budget Nerds podcast with Ben and Ernie, were the reason I chose YNAB. Their knowledge, humor, authenticity, and ability to explain budgeting in a relatable way made learning about personal finance enjoyable. They created a genuine connection that made YNAB feel like much more than just another budgeting app.
Now that those familiar faces are gone, the content has lost the personal, human touch that made YNAB different. It feels much more corporate and less authentic. When so many apps offer zero-based budgeting, it’s the people behind the content who make the difference, and that was what set YNAB apart for me.
Whenever I would get discouraged, I would watch one of the videos, especially the budget nerd episodes, as well as Hannah’s.
I hope YNAB realizes that while the software is important, the community and the people who educate and inspire users are what truly make a company stand out.
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Best Budget App

I love YNAB! I have tried several budget apps but could never stick with it. YNAB works so well since it easily syncs with all my bank accounts and it handles credit cards extremely well. The notifications for new transactions are the reason I remember to stay on track, and the app looks modern and sleek and is a pleasure to use.
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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.