YNAB—Budget, Personal Finance, Expense Tracker
YNAB will help you break the
paycheck to paycheck cycle, get out of debt, and save more money. On average,
new users save $600 in the first two months, and more than $6,000 in the first
year. Try it free for 30 days. Key Features: Bank S...
The iPad app is way to kiddy
The app/methodology/paradigm(s) have really revolutionized the way I approach my own finances and i cannot recommend it enough from that regard as a service & function. I have budgeted myself for well over a decade and have done alright, but always felt there was some missing piece or rather a “hole” that seemed to be getting in my way. This app/way of tagging and budgeting really helped me see in a very adult way, the ways in which I was failing to connect some financial dots and keep myself from doing as well as I should have been; it made sense after I really pressed myself to drop my bad thinking that I had developed to try and work around the natural holes in a standard budget logic. Having said all of that, I find myself using my iPad Pro to access the web client, as the app itself is so kiddy and limited that it makes it actually harder to digest the information presented and make the most sense of it. So much information but it’s all so “big” that you can’t see the big picture, almost simply because the text and forms are so LARGE. Really the app could be and needs to be as feature-rich and dense as the web app; basically take the web app and adapt it to be touch targets and color coded like the app is. It could be so much BETTER than the web interface with all the screen real estate on the iPad and the easy entry and basic structure they have in place for it already. I really look forward to the iPad app “growing up.”
New app is a massive improvement
I had started using YNAB but ended up losing the habit because there would be times when a purchase made on the go couldn’t fit into any existing categories I had set up on the web app, and I had no way of changing things until I had long lost track of purchases. Now, the new app lets me do literally everything I used to have to go on my computer to do, and it does so in a beautiful, easy-to-use package. With the most recent update, the app went from feeling 8 years outdated and nearly unusable to one of the best-designed apps on my phone. I used to have to apologize for it - “if you can get over the outdated app, the system works really well” - and now I can wholeheartedly recommend the YNAB system to people who ask for help with budgeting. Don’t fall for the convenience of automated budget tracking with other apps! YNAB’s manual system forces you to pay attention to the consequences of every single purchase. The learning curve is difficult at first, and it does take an hour or two to get everything set up. But the payoff is literal - managing my money tightly with YNAB lets me spend more comfortably by making sure I have what I need for expenses and savings. This is hands-down the best budgeting system available.
Thank you for the update!
An update for your app is one of the few app updates that I am excited to see! I’ve already noticed a couple of the fixes and they are SO helpful! Your app is just plain packed with good stuff! You’ve just thought of everything! Thank you so much! I love using the desktop (cloud) version too. Sometimes my phone screen is just not big enough. Kind of like being cramped in the car on a long car ride and it feels good to stretch your legs...and see my budget on a bigger screen. I like to visualize my budget and using YNAB is the best way to do it. I’ve tried so many other ways to budget the last 25 years...and none has been successful until I started using YNAB. I love the new cloud version. I got frustrated with YNAB 4 for several reasons and gave it a break (and used the free version of Every Dollar, which was nice to look at, simple and easy to use, and smooth in many ways but lacked a lot). When I tried YNAB again after about 9 months, almost everything I was frustrated with was fixed, and now about a year later, everything is fixed. I’m VERY impressed with your developers! Thank you for your hard work!! Make sure they see this!
Exceeded the hype
I didn’t want to like YNAB. I’ve been proudly budgeting for years (even got myself out of credit card debt..... before going right back in), using Excel and envelopes. But I was ready to try something new, and poured myself into YNAB. It’s worth it to read all the articles, enroll in the webinars, watch the videos, etc. I stumbled a bit at the start, even tried out some of the other budgeting apps in frustration but none of them had the bells and whistles or the ease of use that YNAB has. After creating my 3rd YNAB budget all I can say is, IT WORKS. I didn’t think I needed to learn anything else about budgeting, but this really reframed how I think about my money. The tools are so easy to use, once you get the gist (give yourself at least 3 months, especially if you’re used to another budgeting system - - and use their exceptional tech support when you get confused or stuck), that my budget is now something I’m both proud of and look forward to doing. The online and phone apps work seamlessly, so it’s easy to keep up with everything and see what’s coming up. YNAB helped build my confidence while teaching me new skills. Thanks, Jesse and friends! ❤️❤️❤️
I had to post a review because...
I have written reviews on products or apps maybe five times in my long history of online purchasing. I am a stickler and do a lot of research before purchasing anything, and am rarely blown away by the quality of something, even if it meets my expectations. I’ve been using YNAB for several months now, and it is hands-down, the best, most intuitive, most user-friendly app of ANY kind that I’ve ever used. I’ve used other budget and personal finance apps, including the most popular ones you’ll consider if you are on the hunt for one. Trust me on this...give YNAB an honest try. The app itself is brilliant. There is a learning curve for some transactions - I had to start over a couple times. However, I am now very comfortable with YNAB. One of the reasons for that level of comfort is their mind-boggling customer service. I can’t write enough glowing adjectives to describe my happiness with their stupendously great service. Words of advice: Go through the tutorials - they really helped me understand YNAB. Ask the team questions...they’re wonderful. YNAB has changed the fundamental way I budget. Every dollar we earn has a job. Brilliant!
My husband and I have been using YNAB for almost a year now and I cannot speak highly enough about it! I have tried to budget in so many different ways and this was the only system that stuck and actually works for us. I love the integration with the app and the desktop, we are able to do most everything we need to on the app (I personally prefer setting the budget for the month on the desktop so I can see it all more clearly but this is just a personal preference). The app is easy to use and if you set up integration with your accounts, transactions automatically flow into the app within about a day or so of posting. This app has made keeping up with budgeting so easy with my busy schedule as it is something you can do every day in a few short moments. We have saved so much money with YNAB by giving each dollar a job and holding ourselves accountable. It has absolutely changed the way we think about money, budgeting, saving, and goal setting. The ease of use of this app is a huge part of that success for us. Thank you YNAB, you have truly impacted our lives in such a profound way and I will be forever grateful!!!
The BEST financial overview!!!
I love seeing exactly how much we have and what categories we are saving for etc. I’ve been using YNAB for over a year now and have really gotten into my groove with our budget. It does take time and commitment...in the beginning. Now I spend about 5-10 minutes every morning reconciling my accounts...I actually look forward to it! I try for monthly budget chats with my husband so he can see where we’re at. I have added things and tweaked my budget over the past year, and now I don’t think there is a thing that we’re not planning for. (A solid emergency fund for the totally unexpected stuff). I definitely spend less, because I know exactly where our money is and where we want it to go. With three teens in the house and college coming up, we need to be on top of things. I’ve tried MANY budgeting apps and this is the only one that finally allowed me to give up my Excel spreadsheet. We are a debt free family (no mortgage, no car payments, etc), but we do have a Lake house rental business (reasonable mortgage on that). YNAB has kept us SO organized!!! Love!
I love this app!!!
Four years ago, I was about $30,000 in debt and money was evaporating out of my wallet at every turn. We spent $2000 more than my wife made one month (thankfully we had savings to cover that!) and my wife finally agreed that we need a budget! We started using YNAB and went from $2000 over budget to a month ahead on all our expenses, because we gave every dollar a job and were able to immediately age our money! With YNAB, my wife and I have much better transparency and communication about money, we’re more generous, putting 10% of our money in our donations category and actually donating it, and putting about 12% of our income away for retirement and a little bit each month for my daughter’s college! And most importantly to me, we are DEBT FREE!! I dragged my student loans around from age 18-34, and we paid them off in April. The app itself was an amazing improvement from the old app, and I LOVE budgeting on my phone in the morning while I drink my coffee. My only wish for the app is that reconciling could be a phone app feature as well.
Careful before you buy- good for single account low transactions
This app seemingly is good for someone with one or two accounts and a level of transactions that they are comfortable going through all the time and comparing with YNAB Vs your account ledger. IMO, this app is an electronic way to balance a check book, nothing more. I made the mistake of adding all of my cash accounts and credit card accounts since I liked the function of credit card spend automatically going to your budget. However, the transferring around of money from one account to the other when paying is a nightmare in how it affects your “budget” on the application. Additionally, the auto function of reconciling accounts never works and my accounts were inaccurate most of the time. Another big problem with multiple accounts and banks is there is always connection issues that are blamed on the bank yet I ran mint along side and never had issues with Mint on same accounts. 30 day trial is NOT long enough for you to realize all the issues you will have with this application. Apple will NOT refund your $90 and YNAB will point you back to Apple. Be very careful on this tool, Mint is far better in every aspect and doesn’t cost you a dime.
Awesome Platform, had to delete iPad version :-(
Been using YNAB for a couple years now and before that, budgeting was done on the fly by seeing how much money I had to spend. Very scary at times unfortunately. Since using YNAB, my life has been transformed entirely with a piece of mind that I cannot fully explain. And, the addition of the new webapp based phone app has simply made the platform even better. However, when I added the app to my brand new iPad, my budget crashed unexpectedly on both my tablet and my phone. After freaking out to customer service, the only solution I could come up with so that I could still use the app on my mobile devices was to delete the iPad app and use the webapp on the iPad instead. Then, everything went back to normal and YNAB now functions normally. Plus, there is the added benefit of using the webapp on the tablet, which adds more functionality. So, maybe it worked out for the better. Suggestion: delete the iPad app or don’t install it, the webapp actually works on the tablet quite well.
Can change your entire financial outlook!
More than an app, YNAB provides tutorials, podcasts, videos and workshops to help change the fundamental ways you think about income and spending. The philosophy behind it is that even if you’re doing a great job, you can do better. The money you work hard for can work harder for you if you follow a few simple rules and adjust some behaviors that are getting in the way of maximizing your financial well-being. This is a tool (one I found as the #1 recommendation by the New York Times) that takes advantage of technology in simple but powerful ways. It’s organizational more than computational, intelligent without being punishing. It doesn’t “gamify” budgeting, it just has you follow some simple guidelines (e.g. give entry dollar a job and age your money) and apply some organization to your finances that is a total game changer. It’s a serious tool but so user friendly that it makes it simple to know each day where you stand financially and via goal setting exactly where you’re headed.
Keeps you on track
This app is just absolutely awesome, it helped me gain so much in such a short time I was able to set up my budget. It offers carry over of your income for instance let’s say you have a particular savings where you put money in every month it rolls over to the next month wants it untouched and love that about it. The app allows to create goals let’s say you have a debt to pay off in a certain date it advises the amount you must put away a month and if you don’t go track it adjusts to it can gives you the new figure and also tells you what you need to stay on track. You can see past month expenditures and it helped me too really allocate money properly each month and I was able save a lot more cause of this I became more aware of what I am spending my money on am so glad for this app. Thank you to the creators of this app. Probably to only thing that was a bit difficult for me was the payment only offers yearly and not monthly. But they have good reasons and it is worth it.
I have used YNAB for a while and love it. I do use the app on a daily basis. I highly recommend this for people who want their budget to work with them instead of being a hassle. They make it easy to organize categories and adjust things as you go. I also love the charts and reports that they offer. One thing that is frustrating: the “cover with” feature. When you overspend in one category and want to simply and quickly cover it with another category. It is easy on the website but the mobile app is frustrating. The app offers to take money out of the category you have selected (which is always the one I want to ADD money to) and put it somewhere else. I don’t know why it doesn’t work the same way the website does. One thing I would like to see is something in the reports about projected debt payoff information and tools. I love to watch my net worth love but it doesn’t have any calculators that project pay off or reaching wealth goals. Overall an amazing app. Thank you guys!
Love YNAB....one request
I really love YNAB! It has helped us tremendously with our budget and is easy to use. For me, the app is a bit smoother and simpler to use than the website. Here is my conundrum: We use a small town bank that does not have direct download, so we have to manually download our transactions. I don’t want to fire up the laptop just to do this, as it doesn’t really take that long. So it goes, sign into bank website, download transactions, sign into YNAB website, which using an iPad means go to YNAB site, choose Request Desktop Site, then login, then import. Understandably, being it is a small bank, there may be no direct link in the near or distant future. I have no desire to move to another larger bank (there aren’t any close enough) that has direct link. So, I have one request, could we have a way to upload our manual transactions from the app instead of having to go through the website every time? It would make it a tad smoother process on the user end. I still love YNAB and will continue to use it. Never hurts to ask, right?
Saved us so much for years
I can say so many great things about YNAB and how helpful it’s been for our family’s budget. The iPad app especially is easy to use, customer service is human and always friendly, and there’s a helpful community at your finger tips if you have questions. The app itself is so much better than the one on a phone. It’s easier to add accounts, move money from category to category, and budget month to month. I only gave it four stars because it’s missing two incredibly important features that the web app has: searching and reports. If you want to look at say, how much you spent at Starbucks for the year, you can’t search at all on the app. This is a really basic feature and not having it on here is especially frustrating (you can’t access the web app through Chrome on the iPad either, it automatically redirects you to the iPad app). Since there’s a yearly cost to use the program I’d expect the app and web app to have identical features.
Yes. YNAB (You Need A Budget) is quiet safe to use but use with caution. This is based on our NLP (Natural language processing) analysis of over 32,979 User Reviews sourced from the Appstore and the appstore cumulative rating of 4.8/5 . Justuseapp Safety Score for YNAB (You Need A Budget) Is 34.0/100.
Yes. YNAB (You Need A Budget) is legit, but not 100% legit to us. This conclusion was arrived at by running over 32,979 YNAB (You Need A Budget) User Reviews through our NLP machine learning process to determine if users believe the app is legitimate or not. Based on this, Justuseapp Legitimacy Score for YNAB (You Need A Budget) Is 34.0/100.
YNAB (You Need A Budget) works most of the time. If it is not working for you, we recommend you excersise some patience and retry later or Contact Support.
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