YNAB

YNAB

Never worry about money again

62K ratings
1622 reviews
#6 in top-grossing Finance
📊 Productivity
💰 Finance
Free
In-App Purchases

Details

  • Released
  • Updated
  • October 20, 2015
  • September 16, 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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+1

What's New in YNAB

26.35

September 16, 2026

Life is short, spend it well. Here’s how we’re helping you this week: • Search now has a Matched filter, so you can quickly pull up every transaction that got matched during import and double-check that everything landed where it should.

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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

📊 6

Finance

The app has maintained its position at 6 recently.

Last updated on September 18, 2026.

Events

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User reviews

Love this app but finally ran into a bad problem

I’ve used this app for a few years now and never had a problem with it. It was revolutionary in helping me learn how to budget and gain control of my finances. However, I finally ran into a problem with the app that has put me in a very bad financial position. The app for some reason unlinked all my accounts over the last few days and when I linked them again there appeared transactions not only from the last three days but also random transactions over the last month from many of my accounts. Because these random transactions didn’t go through in a timely manner, I grossly overspent, when I wouldn’t have otherwise. I still love the app, so 4 stars, but taking a star away for this problem it’s put me in
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A Minor Complaint

I finally figured out how to transfer money between categories, and see monthly activity on my iPad app. This is not intuitive, and somehow I missed the change. It is also different from the iPhone. Otherwise, I’ve been using it forever, and it’s done a great job for me.

Wildly inaccurate and annoying to use

The title speaks for itself. I'm going back to using paper and an excel document...It's recommended by any accountant worth it's salt anyways.

Great App

This product is essential to me feeling in control of my money. It helps me be proactive and plan. It integrates well with banks and credit cards.

Has been extremely empowering/freeing for my family’s finances. We have a plan for every dollar!

Going downhill.

All live education workshops now scrapped, which was one of the reasons for the subscription model over paying them for a download.

Now switched to one of the many alternatives.

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.