# YNAB — Never worry about money again

> Personal finance management app for budgeting, debt reduction, and goal achievement. (iPhone/iPad app by You Need A Budget LLC.)

- Source: https://appshunter.io/ios/app/ynab/id1010865877 (this page in markdown: same URL + `.md`)
- Developer: [You Need A Budget LLC](https://appshunter.io/developer/1226490621)
- Category: Finance, Productivity
- Price: Free with in-app purchases
- Rating: 4.80/5 from 61,323 App Store ratings · 1,572 written reviews indexed
- Age rating: 4+
- Requires: iOS 18.0 · 150 MB
- Languages: Australian English
- Released: 2015-10-20
- Data updated: 2026-08-28
- Monetization: subscription
- User reviews in markdown: https://appshunter.io/ios/app/ynab/id1010865877/reviews.md

## What is YNAB?

Have you ever worried about money? You are not alone. 

Download YNAB, get good at money, and never worry about money again.

“We started YNAB January 1st with $37 saved and ended the year with $42,000. Plus we paid $14,000 cash for a new roof.”
-Kyle, YNAB user since 2020

Start your free one-month trial and stop feeling like you’re bad at money. 

“YNAB has removed the stress of money from my life and in doing so has helped make me a better husband. It's like I got to remove a personal flaw I had never been able to fix." 
-Kyle, again. We didn’t even pay him to say this, but maybe we should.

Why YNAB?
-92% of YNAB users report feeling less stressed about money since starting.
-The average user saves $600 in the first month, and $6,000 in the first year.

“A year of YNAB costs less than a massage and is a heck of a lot better for reducing stress.”
-Kat, YNAB user since 2016

Benefits and Features

STOP ARGUING ABOUT MONEY
…and start planning your life, together

-Create and share unlimited plans with up to six people with one subscription
-Real time updates between devices make it easy to keep everyone informed
-Cheaper than couples counseling

STOP DROWNING IN DEBT
…and start seeing progress with your paydown

-Make a plan to pay down debt by calculating time and interest saved with the Loan Planner
-Avoid new credit card debt with YNAB’s clever built-in spending categorization feature
-Enjoy the benefits of a debt-paying community and resources

STOP FEELING DISORGANIZED
…and start feeling totally in control  

-Securely link financial accounts to automatically import transactions
-Easily add transactions manually, if you prefer
-Ask Siri to update your plan or provide expense category balances on the go

START REACHING MORE GOALS
…and stop thinking your future is limited 

-Keep your priorities and goals in focus
-Visualize progress as you go
-Watch your net worth climb

START SPENDING CONFIDENTLY
…and stop feeling guilt, doubt, and regret

-Calculate your “Cost to Be Me” 
-Make a flexible, proactive spending plan
-Always know how much you have to spend

START FEELING SUPPORTED
…and stop feeling like you’re alone in this

-Talk to our “freakishly nice” award-winning support team (don’t tell them we called them freakish)
-Join workshops and attend live Q&A sessions
-Become part of our community of genuine, amazingly supportive people who get it
-Attend one of our live events to learn, share, play, and even get tattooed with like-minded getting-good-at-money people. (Seriously.)

The first step of never worrying about money again is starting a free one-month trial. Are you ready to get good at money? 

(You seem ready! And we already really like you, so please join us.) 

Free for 30 Days, then Monthly/Annual Subscriptions Available

Subscription Details
-YNAB is a one-year auto-renewable subscription, billed monthly or annually.
-Payment will be charged to iTunes Account at confirmation of purchase.
-Subscription automatically renews unless auto-renew is turned off at least 24-hours before the end of the current period.
-Account will be charged for renewal within 24-hours prior to the end of the current period.
-Subscriptions may be managed by the user and auto-renewal may be turned off by going to the user's Account Settings after purchase.
-Any unused portion of a free trial period, if offered, will be forfeited when the user purchases a
subscription to that publication, where applicable.

You Need A Budget UK Limited is acting as an agent of TrueLayer, who is providing the regulated Account Information Service, and is authorized by the Financial Conduct Authority under the Electronic Money Regulations 2011 (Firm Reference Number: 901096)

Terms of Use:
https://www.ynab.com/terms/?isolated

Privacy Policy:
https://www.ynab.com/privacy-policy/?isolated

California Privacy Policy:
https://www.ynab.com/privacy-policy/california-privacy-disclosure?isolated

## Key features

- 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

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| YNAB Subscription | $14.99 | per month |
| YNAB Subscription | $109.00 | per year |
| YNAB Subscription | $109.00 | per year |
| YNAB Subscription | $14.99 | per month |


## Chart rankings

- #5 in Top Grossing · Finance (US App Store)

## What do users think of YNAB?

Overall sentiment: positive

**Pros**

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

**Cons**

- 🔍 Steep learning curve
- 🔌 Connectivity issues with some banks
- 💰 Expensive subscription
- 🕰️ Reconciliation process could be improved
- 📱 Mobile app lacks some features of web version

**Commonly reported bugs**

- Frequent disconnections from bank accounts
- Syncing issues between mobile and web versions

**Most requested features**

- Fortnightly budgeting options
- Improved reporting and analytics
- Ability to upload files/documents
- Undo/redo functionality
- Biometric login for mobile app

## Recent user reviews (10 of 1,572)

All indexed reviews: https://appshunter.io/ios/app/ynab/id1010865877/reviews.md

### 5/5 — The best

*2026-08-24, version 26.31*

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.

### 3/5 — Latest update backslides

*2026-08-23, version 26.31*

It’s really less useful at a glance now.

### 5/5 — Great budget!

*2026-08-23, version 26.31*

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!

### 2/5 — The 2 star rating is for the app

*2026-08-22, version 26.31*

Tired of the majority awful and unnecessary UI updates

### 1/5 — Too Complicated

*2026-08-22, version 26.31*

Too much extra bull.

### 5/5 — Very useful for keeping track

*2026-08-22, version 26.31*

Used it for theee years and love it.

### 2/5 — The perfect app is being butchered

*2026-08-21, version 26.31*

I don’t mind the price rises - but the most recent change is absolutely horrendous. I’ve had the app for the best part of 8 years or so and the most recent UI and UX update is torture. Progress bars gone. 

You can no longer see how much you’ve added to a category this month without clicking into it. What on earth? 

Reddit says it’s some A/B testing nonsense. Well I’m in the B for Bad. 

Change it back. Please. Or at least give the option to. The app was so good I’d literally pay extra to go back to the previous iteration. That’s how bad the new update is. 

Which is a shame, the the app and concept itself was wonderful.

### 1/5 — No la supe manejar

*2026-08-21, version 26.30*

No me gustó, tengo pagos semanales y eso de andar asignando dinero a más de 15 cosas por semana es tedioso.

### 2/5 — Frustrating update

*2026-08-20, version 26.30*

New update is really frustrating. I can no longer see what I’ve spent in each category without additional work that’s not user friendly. It’s frustrating to see $0 in my plan or available to spend, but I want to see what my spend has been without having to act like I’m assigning funds. This feature being removed will likely make me look for a new product.

### 5/5 — So helpful

*2026-08-20, version 26.30*

I thought folks were exaggerating about how helpful this app is. But honestly it’s really improved my relationship with money so much.

## Frequently asked questions about YNAB

### 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.

## Version history (last 5 releases)

### 26.32 — 2026-08-27

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.

### 26.31 — 2026-08-21

Life is short, spend it well. Here's how we're helping you this week:
• Credit card payments now match to the correct card, even if your bank refers lovingly to all of them as AUTO-PAY THANK YOU.
• We fixed  a bug so that the  credit card setup tutorial is just as easy to read when using zoom for accessibility.

### 26.30 — 2026-08-12

Life is short, spend it well. Here's how we're helping you this week:

- Share your referral link with a QR code! Pull it up in the Share Hub and let a friend scan it, no copying and pasting, or even contact info, required.
- Tapping to change a transaction’s category no longer auto-opens the search field and keypad, so you can scroll and browse your categories before deciding if search is necessary.
- Hit a net worth milestone? Tap the new Share Your Progress button in your Net Worth chart on the Reflect tab to download a shareable image and celebrate your win with your community.
- Mobile now respects your payee's categorization settings. If you've turned off auto-categorization for a payee or set a default category on the web, mobile will follow those rules, too.

### 26.28 — 2026-07-29

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.

### 26.27 — 2026-07-22

We’ve squashed some bugs and made a few improvements to make it easier than ever to get good at money. Notably:
• After credit card spending, a new prompt can help you understand how that spending connects to your credit card payment category.
• When an imported transaction matches one you’ve already entered, it now comes pre-approved, because you’ve already made every important decision.

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-28.*