4.5
24.9K reviews
Content rating
Rated for 3+
1M+
Downloads
Content rating
Rated for 3+
Learn more
Screenshot image
Screenshot image
Screenshot image
Screenshot image
Screenshot image
Screenshot image
Screenshot image

About this app

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

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

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

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.

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

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-with-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 Google 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
Updated on
Jul 7, 2026

Data safety

Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region, and age. The developer provided this information and may update it over time.
This app may share these data types with third parties
Personal info and Device or other IDs
This app may collect these data types
Location, Personal info and 4 others
Data is encrypted in transit
You can request that data be deleted

Ratings and reviews

4.5
24.1K reviews
Melissa N
March 2, 2026
if your tech savvy and have time on your hands this may be the right app for you. But if your a busy mum or you work a lot this app is fiddly and doesn't update clear enough. I watched videos for help, even joined community groups for advice but found myself exhausted I don't have time to keep sorting what the app should be doing and cos the app won't stay in sync I found myself constantly editing. it's too confusing and overwhelming for me. I'm sure it works for some folks but it's not for me.
8 people found this review helpful
Did you find this helpful?
ynab.com
March 3, 2026
Hi Melissa! We totally get it: there's a LOT to learn when you start YNAB. It can be overwhelming—and dealing with sync issues doesn't help! If you're up for it, YNAB Support can add more trial time. We'll work with you to make sure the app syncs AND to answer your questions about YNAB. If that sounds good, reach out to help@ynab. com! -Blair@YNAB
Ray Lee
November 3, 2025
YNAB streamlines and simplifies what I've been trying to do with a spreadsheet for months. I went with the annual fee and it is absolutely worth the $9 per month because it's saved me hundreds each month. i went from living pay check to pay check to now having a 2k buffer in my bank account at the end of the month after just 2.5 months with the app. Im way less stressed and much more balanced with my money. Thank you ynab!!
30 people found this review helpful
Did you find this helpful?
ynab.com
November 3, 2025
Well done, Ray! It sounds like you're working the program — and absolutely killing it! 🤘 -Renae @YNAB.com
Alexis Holloman
June 27, 2026
it is definitely a learning curve, I feel like if there were tutorial videos to walk you through how to use the app it would be easier for alot more people. I worked in accounting so I was able to figure it out pretty quick because their setup reminded me of Quickbooks. I manually add in income & our bills & our purchases ect. I havent tried adding my bank just because I prefer to enter them myself. I do love this app it has helped me keep track of what we are spending our money on & budgeting.
1 person found this review helpful
Did you find this helpful?
ynab.com
July 3, 2026
So glad you're loving YNAB, Alexis! Manual entry is such a great way to stay in control & aware. We have lots of content on our YouTube channel, but we'd love to hear more about which tutorials you think would be helpful. You can share more with us anytime at help@ynab.com, and thanks so much for your lovely review! - Caity @ YNAB

What’s new

Sharing your money wins has never been easier! Find our new Share Hub under the More menu for quick access to referrals, gifting, and our demo mode. Or shout about your Net Worth progress, now available as a shareable image. Plus, the Plan tab got way fancier under the hood! Same tab, snappier feel.