YNAB

Description

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

Recent Reviews

• ★★★★★BravoCgB

  YNAB

  Unparalleled flexibility, conviviality and design. World’s #1 budgeting App. A useful tool for monitoring the progress of your assets.

• ★★★★★Tina102529

  Disappointed

  As soon as I created an account, it automatically signed me up for a free trial WITHOUT MY PERMISSION. Now I have to spend time figuring out how much they charge afterwards how to cancel it. I didn’t even have a chance to see if I like the app and what it has to offer. They literally TRAPPED me into this free trial. They not how a good financial app has to work.

• ★★★★★BBstacey31

  Best budgeting app!

  I honestly love this app. It does take awhile to get a hang of it but once you link your account and understand how it works, it’s amazing. You just have to pick which category you’re spending from and it tells you how much you have left or how much you’re saving. It doesn’t keep track of subscriptions but I just make a category for it to know that I have money on the side.

• ★★★★★Some rando who likes the app

  YNAB Saved My Financial Future

  This is likely going to be a very long review, but for anyone considering a budgeting app change or even just adopting one altogether, this is for you. 6 months ago I woke up and my bank account was drained to 6 cents. Nothing more. My savings had been completely drained by auto-transfers from my checking account over and over until both were empty. I had already racked up a significant amount of credit card debt and had no idea how I would be paying bills that month. I had been reckless with my money, irresponsible…and I knew I needed to change. So I took a long time researching what I could about finding the right app. I used the Dave Ramsey one for a while (Every dollar) and I used the Experian one for a while, but neither worked. There were limitations on managing the cash flow and carryover and management of actual categories. That is when I landed on YNAB. I’ll be honest, at first I wasn’t impressed. The app had a lot going on and it took me a lot of time trying to figure out what every button does and what every term means. But for someone with variable income, this app has taught me to manage every new dollar that enters my bank account. I can see in real-time how my money is helping me pay off my debt, and rebuilding my savings. I can monitor what I’m putting towards my retirement accounts and ensuring I have the money when my bi-annual car insurance payments hit. I can plan for a vacation with no stress, because I know that when the money is needed at those times I already have it set aside and not to be touched. The mental and emotional freedom I’ve been given by using a clear and accurate budgeting app has genuinely changed my financial future and my life, and I don’t know if I would have had this much peace without the help of YNAB. Their support is also amazing and everything you could ever ask about their app is in their Knowledge Base. I truly have no complaints!

• ★★★★★Pedantix

  More than a month ahead

  Game-changer app. What's different about YNAB and other apps is that YNAB is NOT set it and forget it. When a category (such as clothing or restaurants) is out of money, I have to ask, "Do I want to move $ from my electricity-bill category or cell-phone category in order to buy clothes or go out to dinner? No because then I won't be able to pay my bills." YNAB helps you know when to STOP spending. Most other apps just tell you what you did in the past, which is not helpful in guiding your next purchase. As a result of YNAB, my paychecks now fund NEXT month. I bought my new car with cash. My vacation to Europe was paid in full ahead of time. All hail YNAB! Why four stars instead of five? Targets are such a pain. These constantly break and are such much more complicated than they need to be.

• ★★★★★DannyK08dkdk

  Beyond confusing.

  Basic idea is good. But how the app actually manages your credits, income, transfers within your savings account is the biggest headache

• ★★★★★Blumenkohlfrau

  The best there is

  This is the best budgeting app out there!

• ★★★★★kimberlyreviews

  App is amazing

  I don’t even use the desktop site anymore. The app is so easy to navigate and comfortable to use.

• ★★★★★JC - Chicago

  A great tool

  Once I learned the system and how the app works, I find it very helpful in maintaining my peace around money. The company has a lot of educational resources on their website and YouTube channel to help.

• ★★★★★Kaybug57

  I can breath easy on a fixed income

  I have been using YNAB for about 6 years now. Once my husband and I retired, we really needed to have clarity on our spending plan. YNAB gives that to us. Getting a month ahead at the beginning has made a huge difference to our peace of mind. Highly recommend!