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YNAB

YNAB

Never worry about money again

61K ratings
1470 reviews
With Ads#6 in top-grossing Finance
📊 Productivity
💰 Finance
Free
In-App PurchasesWith Ads

Details

  • Released
  • Updated

Features

Developer

You Need A Budget LLC
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YNAB video #1 for iPhone
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iphone
ipad
🧾$14.99 - $109.00
In-App Purchase↘︎
📉no. 6
Charts↘︎
📌Ready
Reviews summary↘︎
⭐1.5K
Reviews↘︎
📝40+ tags
Tags↘︎
🔄6+ apps
Alternatives↘︎
🎪2 available
Events↘︎
❓5 answered
FAQ↘︎
📦~ in 6 days
Updates frequency↘︎
🖼️Get Icon
Icons↘︎

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

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

26.26

July 15, 2026

We’ve squashed some bugs and made a few improvements to make it easier than ever to get good at money. Notably: * Sharing has never been easier, or more rewarding! Find the new Share & Earn package under the More menu for quick access to referrals, gift subscriptions, and tips for sharing IRL. * We fixed a bug that was causing the app to crash when auto-distributing amounts on a split transaction.

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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

📉 6-1

Finance

This app dropped -1 position in Finance chart.

Last updated on July 19, 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

New UI is Cumbersome

The new UI has made everything harder. Cleared vs not cleared transactions is foundational to what this app does. Now I have to click a bunch more times to mark things as cleared since they decided to nest things in dropdowns instead of the scrolling model that worked so well. They keep adding friction to things that are the most important and putting front and center things that are less important. I’m close to moving to a new solution if their direction continues
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wirdnahwirdnah

Changed my life

It has completely changed how I view money and has made my life so much easier, highly recommend.
ZenndezZenndez

Life changing

Using YNAB will change your life in all the best ways.
cindywhitesidescindywhitesides

Chinese pls

Support multiple languages pls
怪咖怪咖

Gamified garbage for non-adults

I don’t need or want confetti on app startup, with a 10 second cartoon that fearmongers to get my anxiety up.
DisappointedDBADisappointedDBA
See 1465 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.