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YNAB: Budgeting & Finance app for iPhone and iPad


4.6 ( 8336 ratings )
Productivity Finance
Developer: Steine LLC
Free
Current version: 23.18, last update: 6 months ago
First release : 20 Oct 2015
App size: 76.67 Mb

You don’t need someone to tell you how to spend your money. You just need a tool that offers a big-picture perspective of your finances so that you can stop wasting dollars on things that don’t matter to you and start spending intentionally on the things that do.


YNAB is a simple method and budgeting app that has taught millions of people to change their relationship with money. Stop arguing with your partner about your finances, quit doing mental math to figure out if you can really afford something, and start taking control of your finances so you can fund a future that you’ll love living. Get started today with a one-month free trial!


Key Features:


Subscription Sharing: A close-knit group of up to six people can share budgets (and dreams!) at no extra cost.
Loan Planner: Tackle debt by calculating the time and interest saved with every extra dollar paid.
Expense Tracking: View changes to your budget in real time to simplify sharing finances with a partner.
Goal Setting: Turn your dreams into categories, set spending targets, and visualize your progress as you go.
Import Income & Expenses: Add transactions manually or securely link accounts to view your big financial picture in one place.
Spending & Net Worth Reports: See your spending averages (down to the cent) and your growing net worth in full technicolor glory by slicing and dicing your data.
Privacy Protection: We don’t (and won’t) sell your data. We don’t host in-app ads or pitch recommended products. We make it easy to trust your budget.
Resources Galore: We have an award-winning customer support team eager to answer your questions and a wealth of free resources, including live workshops, video courses, written guides, and more.


Customer Testimonials:

“YNAB is the first budgeting app I’ve ever used, stuck with, and that has made sense. Absolutely love it!” -- @brennandunn

“I never, ever, ever thought I’d see this, and yet here it is: CREDIT CARD BEAST DEFEATED! Props to @YNAB which helped me get it done!”
-- @taber

“3 years ago I started with YNAB, the goal was paying off all my debt. With YNAB, I was able to double the goal! Bye, financial stress!”
-- @HancinGaming

“I just don’t know what I’d do without YNAB. I’ve never been so financially aware in my life.”
-- @janejoneslives

“I’ve been using YNAB for over 2 years, and in 23 days my fiance and I will be paying for our wedding without any loans because of YNAB. Thank you!”
-- @Thai_Jonny

Love how you spend and celebrate how you save. The YNAB budgeting app and its simple four-rule method will help you demolish your debt, save piles of cash, spend without guilt, and reach financial goals faster.

Free for 30 Days, Then Monthly or 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.

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

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

Pros and cons of YNAB: Budgeting & Finance app for iPhone and iPad

YNAB: Budgeting & Finance app good for

The new app is great! Just need to be translated to brazilian portuguese and work with brazilians banks.
More than just jolting down your expenses, it allows you to really budget, plan and improve your finances.
Very good companion app for the new YNAB. I miss a passcode-protection or even Touch-ID.
Works well. I think to ship it without protection via passcode or touch ID is a very bad decision. Hope this will follow asap.
I love Ynab! But it would be really nice to have more functions in the app as on the website. Like swap to the next month or edit the categories.
The "classic" YNAB allowed you to set up a PIN to lock access to the app. That doesnt seem to be the case with the new version. Other than that, it looks good. Being able to make budget changes on the fly is a very neat feature.

Some bad moments

- Subscription based pricing - Financial data on their servers with unclear security and potential sale of personal data - No desktop app anymore - Buggy as sh** Thx a lot you just lost a loyal customer...
Really? The Desktop App was the powerhorse that gave ynab its uniq selling point. I dont mind paying a few bucks, but 50 per year is too much and without desktop app... sorry. Im really mad now. Why does everything good gets replaced with a god damn website nowadays? This must stop. Proper Software is more effort, but its worth the effort!
I really like Ynab and have been using it for quite a while now. But the new concept is a no go in several aspects. First, I will never have my data completely and exclusively on a server, especially which I cannot choose myself. Second, I pay for good software and for new versions, if I think its worth buying. But I will not pay for its mere existence every month. So I will stick to the classic version, which I have bought and never regretted doing so. If it should one day stop working, I will have to look for alternatives. But maybe there will be a real new version of Ynab worth upgrading to?
I used to love YNAB, but I will stop using it. I do not want to store my financial data on a server that is not under my control. Furthermore I dislike your new subscription model. Iam more than willing to pay a premium price for a product that is an upgrade to that what I already have. But your new approach seems like an obvious downgrade to me. You lost a formerly happy customer. :(
App has been working without problems, but the new subscription based model ist just a pure rip-off for every loyal customer. Bring me a useful updated and I am willing to pay for the app, but not this subscription based rip-off. Good luck with that! I hope no one else is falling for this.
Another update and still no support for the big iPad Pro. Let alone feature parity with the web version. (Which is not compatible with iOS browsers by the way.) I think this is pretty unfortunate because this is a subscription service and no one time purchase.

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