Best Ynab Apps

250+ iOS apps curated and reviewed

4.5 avg rating
19 free apps
Updated August 2026

Looking for free ynab apps? 19 of our 250+ tracked titles are free to download — no subscription, no trial. The rest are premium picks worth paying for.

Compare top Ynab Apps (August 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1YNABYNABFree4.8★ (61K)NoYesAug 2026
2Monarch: Budget & Track MoneyMonarch: Budget & Track MoneyFree4.9★ (106K)NoYesAug 2026
3Rocket Money - Bills & BudgetsRocket Money - Bills & BudgetsFree4.5★ (384K)YesYesAug 2026
4EveryDollar: Budget ManagementEveryDollar: Budget ManagementFree4.7★ (84K)NoYesAug 2026
5Copilot: Track & Budget MoneyCopilot: Track & Budget MoneyFree4.8★ (30K)NoYesAug 2026
6Goodbudget Budget PlannerGoodbudget Budget PlannerFree4.6★ (13K)NoYesAug 2026
7NerdWallet: Smart Money AppNerdWallet: Smart Money AppFree4.8★ (125K)YesNoAug 2026
8Buddy: Budget Planner AppBuddy: Budget Planner AppFree4.7★ (9.4K)NoYesAug 2026

Top Picks for Ynab

YNAB#1

YNAB by You Need A Budget LLC

Never worry about money again
Editor's Choice
💰 Finance
4.8😊(61K ratings)
FreeIn-App Purchases
#5in Finance
YNAB screenshot 1
YNAB screenshot 2
YNAB screenshot 3
YNAB screenshot 4
YNAB screenshot 5
YNAB screenshot 6

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.

What We Love

  • 💰 Helps save money
  • 👍 Intuitive and easy to use
  • 🚀 Efficient budgeting system
  • 🤝 Helpful for couples/families

Room to Improve

  • 🔍 Steep learning curve
  • 🔌 Connectivity issues with some banks
  • 💰 Expensive subscription
Monarch: Budget & Track Money#2

Monarch: Budget & Track Money by Monarch Money, Inc.

Spending, Net Worth, Investing
Strong Contender
💰 Finance
4.9😊(106K ratings)
FreeIn-App Purchases
#7in Finance
Monarch: Budget & Track Money screenshot 1
Monarch: Budget & Track Money screenshot 2
Monarch: Budget & Track Money screenshot 3
Monarch: Budget & Track Money screenshot 4
Monarch: Budget & Track Money screenshot 5
Monarch: Budget & Track Money screenshot 6

Consolidate all your financial accounts into a single, intuitive dashboard. Track spending, manage budgets, monitor investments, and collaborate with others to achieve your financial goals with actionable insights.

What We Love

  • 💻 Extremely customizable
  • 🤝 Great for couples
  • 🔍 Comprehensive budgeting and net worth tracking
  • 📈 Excellent data visualization

Room to Improve

  • 🔁 Recurring account disconnection issues
  • 🇨🇦 Limited support for Canadian users
  • 💰 Expensive subscription cost
Rocket Money - Bills & Budgets#3

Rocket Money - Bills & Budgets by Rocket Money

Subscription & Expense Manager
Worth Considering
💰 Finance
4.5😊(384K ratings)
FreeAdsIn-App Purchases
#3in Finance
Rocket Money - Bills & Budgets screenshot 1
Rocket Money - Bills & Budgets screenshot 2
Rocket Money - Bills & Budgets screenshot 3
Rocket Money - Bills & Budgets screenshot 4
Rocket Money - Bills & Budgets screenshot 5
Rocket Money - Bills & Budgets screenshot 6

This personal finance app helps you manage your money by tracking expenses, creating budgets, and automating savings. It also finds and cancels forgotten subscriptions and negotiates lower rates on your existing bills.

What We Love

  • 🚀 Comprehensive financial tracking
  • 👍 User-friendly interface
  • 💰 Helpful budgeting and savings features
  • 🔒 Secure account integration

Room to Improve

  • 🐛 Buggy app performance and connectivity issues
  • 💸 Misleading or ineffective bill negotiation service
  • 🔍 Difficulty linking all accounts and transactions

More Ynab apps to explore

4
EveryDollar: Budget Management
EveryDollar: Budget Management
EveryDollar: Budget Management
Track Income, Bills & Spending
Free

This app helps you create custom budgets, track expenses, and manage your money effectively. It aims to reveal hidden savings and empower you to pay off debt, build wealth, and achieve your financial goals.

Create custom budgetsTrack expenses and transactionsManage bills and income
💰 Finance
(84K)
free with in-app purchases
5
Copilot: Track & Budget Money
Copilot: Track & Budget Money
Copilot: Track & Budget Money
Spending, investing, net worth
Free

This app provides a clear and simple way to manage your finances. It offers smart tools for categorizing spending, budgeting, and tracking investments, all with bank-level security and personalized support. Reclaim control of your financial data with an intuitive interface.

AI-powered transaction categorizationAdaptive budgeting based on habitsSubscription tracking
💰 Finance
(30K)
subscription
6
Goodbudget Budget Planner
Goodbudget Budget Planner
Goodbudget Budget Planner
Money & Expense Tracker
Free

This app helps you manage your finances and plan your spending using a virtual envelope system. Track expenses, monitor debt, and gain insights with helpful reports. Share your budget with family or friends across multiple devices.

Virtual envelope budgetingShared budgetsExpense tracking
💰 Finance
(13K)
freemium
7
NerdWallet: Smart Money App
NerdWallet: Smart Money App
NerdWallet: Smart Money App
Track, Save & Invest
Free

This app helps you manage your finances by tracking spending, monitoring bills, and providing insights into your credit score and cash flow. It also offers opportunities to earn interest on cash, invest in Treasury Bills, and automate investments.

Track cash, investments, credit cards, loans, and propertyMonitor and cancel recurring bills and subscriptionsActionable financial insights on credit score and cash flow
💰 Finance
(125K)
free with in-app purchases
8
Buddy: Budget Planner App
Buddy: Budget Planner App
Buddy: Budget Planner App
Bill Tracker & Money Manager
Free

This app helps you create and manage personal or shared budgets. Track expenses, connect your bank account for automatic transaction import, and gain a clear overview of your spending, income, and savings. It also features tools to split costs and settle up with others.

Create personal budgetsShared budgeting for couples/groupsConnect bank accounts for transaction import
💰 Finance
(9.4K)
free with in-app purchases
9
Lumy for YNAB
Lumy for YNAB
Lumy for YNAB
Budget charts and reports
Free

Visualize your financial data with beautiful charts and detailed reports. This app connects to your existing budget to offer insights into spending habits, net worth, and income versus expenses. Track your progress with customizable spend trackers and set goals for frugal months.

Daily Net Income chartsDays of Buffer visualizationNet Worth tracking
💰 Finance
(43)
free with in-app purchases
10
Stats for YNAB
Stats for YNAB
Stats for YNAB
Visualize your YNAB data.
Free

This companion app offers visual insights into your personal finances, allowing you to quickly review income, expenses, and their distribution by month, category, and payee. It requires an active YNAB subscription and does not support manual transaction entry.

Graphical data consultationIncome and expense visualizationMonthly distribution charts
💰 Finance
(7)
free with in-app purchases
11
Budget app - spending tracker
Budget app - spending tracker
Budget app - spending tracker
Budget planner & money tracker
Free

This personal finance app helps you track spending, plan budgets, and save money to achieve financial freedom. It offers features like AI-powered tracking, shared budgeting, and detailed stats to understand your financial habits.

Budget PlannerSpending TrackerMoney Management
💰 Finance
(16K)
free with in-app purchases
12
Winnie: Savings Goal Tracker
Winnie: Savings Goal Tracker
Winnie: Savings Goal Tracker
Simple Budget App Alternative
Free

This app focuses on tracking your savings progress towards visual goals, rather than monitoring expenses. It helps you stay motivated by celebrating milestones and offers collaborative saving features with partners. No bank linking is required, keeping your financial data private.

Set visual savings goalsLog contributions and track progressProject timelines based on savings pace
💰 Finance
(3)
freemium
13
Expense & Budget App: Spendee
Expense & Budget App: Spendee
Expense & Budget App: Spendee
Money Tracker & Planner
Free

This app helps you track spending, manage budgets, and gain financial awareness. Connect bank accounts, analyze expenses with smart insights, and optimize your savings. Features include AI receipt scanning, shared finances, and multiple currencies.

Connect bank and crypto walletsAutomatic expense categorizationBudget creation and tracking
💰 Finance
(6.2K)
free with in-app purchases
14
Receipts for YNAB
Receipts for YNAB
Receipts for YNAB
AI receipt scanner for YNAB
Free

Effortlessly scan receipts with AI to extract line items and automatically suggest YNAB category splits. All processing happens on your device for maximum privacy. Sync directly to your YNAB budget with confidence.

On-device AI receipt scanningAutomatic line item extractionSuggested YNAB category splits
💰 Finance
(2)
free with in-app purchases
15
Money Manager Expense & Budget
Money Manager Expense & Budget
Money Manager Expense & Budget
20M+DN,Budget&Expense Tracker
Free

This app simplifies personal finance management with easy data entry, graphical spending insights, and robust budgeting tools. It offers features like double-entry bookkeeping, PC management, and credit card tracking to help you stay on top of your finances.

Easy data entryGraphical spending analysisBudget planning
💰 Finance
(19K)
free with in-app purchases
16
See Your Budget for YNAB
See Your Budget for YNAB
See Your Budget for YNAB
Data visualisations for YNAB
$4.99

Visualize and manage your YNAB budget data with detailed overviews of transactions, payees, categories, and goals. Gain insights into spending habits and track financial progress to optimize your budget and achieve financial success.

Budget overviewPayee insightsCategory analysis
💰 Finance
(2)
paid
17
Expense Keep: Envelope Budget
Expense Keep: Envelope Budget
Expense Keep: Envelope Budget
Smart Simpler Budget Tracker
Free

This app offers a simple and fast way to track expenses and income, helping users manage their finances and save money. It allows for organizing funds into separate accounts or spending envelopes, with features for recurring transactions and detailed monthly history.

Track expenses and incomeOrganize money into accounts/envelopesSet up recurring transactions
💰 Finance
(1.7K)
free with in-app purchases
18
Left — Envelope Budget Tracker
Left — Envelope Budget Tracker
Left — Envelope Budget Tracker
Bills aside, spend the rest.
Free

This app simplifies daily budgeting by focusing on a single number: what's left to spend after setting aside essential bills. It offers a minimalist approach to personal finance, ideal for those overwhelmed by complex budgeting tools.

Single daily spending numberEnvelope for big billsCustomizable spending periods
💰 Finance
(1)
free
19
PocketGuard・Budget Planner App
PocketGuard・Budget Planner App
PocketGuard・Budget Planner App
Expense & Subscription Manager
Free

This app simplifies personal finance by automatically tracking expenses and bills. It helps you understand your disposable income, analyze spending habits, and manage subscriptions to save money. Set financial goals and create debt-payoff plans with smart algorithms.

Automatic expense trackingBill and subscription monitoringDisposable income calculation
💰 Finance
(7.7K)
free with in-app purchases
20
Cents for YNAB
Cents for YNAB
Cents for YNAB
Effortless budgeting
Free

This app analyzes your budgets and spending habits to help you save money. It shows daily remaining funds, top spending by category and payee, and visualizes your expenses. Color-coded categories warn you when you're nearing budget limits.

Daily spending analysisTop payee and category spendingColor-coded budget health indicators
💰 Finance
(29)
free

FAQ about Ynab

What are the best ynab apps for iPhone?
YNAB tops our ynab apps ranking as of August 2026, with a 4.8-star average from 61K App Store ratings, and it's free to download.
Yes — 19 of the top ynab apps we rank are free to download, including YNAB and Monarch: Budget & Track Money.
YNAB has no ads and offers in-app purchases, according to its App Store listing as of August 2026.
We track 250+ ynab apps on the iOS App Store as of August 2026, ranked by rating, recency, and analysis of real user reviews.
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.
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.

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