YNAB

In-app purchases
25.5K reviews
Content rating
Rated for 3+
1M+
Downloads
Content rating
Rated for 3+
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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 34-day 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

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)
-Become part of our community of genuine, amazingly supportive people who get it
-Attend one of our live events to learn, share, play, and grow with like-minded getting-good-at-money people

The first step of never worrying about money again is starting a free 34-day trial. Are you ready to get good at money?

(You seem ready! And we already really like you, so please join us.)

Free for 34 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 your 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.

YNAB is an agent of Plaid Financial Ltd., an authorised payment institution regulated by the Financial Conduct Authority under the Payment Services Regulations 2017 (Firm Reference Number: 804718). Plaid provides you with regulated account information services through YNAB as its agent.

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

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

U.S. State Privacy Notice:
https://www.ynab.com/privacy-policy/state-privacy-notice?isolated
Never worry about money again
Updated on
Nov 3, 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

24.7K reviews
Bryan Chan
November 4, 2021
I was first introduced to zero-based budgeting when I found YNAB many years ago. THAT is where the magic is at. Along the way the required subscription to use this app has become way too expensive for my liking. They'll tell you it's worth it because budgeting better can save you more than you pay. But YNAB is by far not the only or even best way (value-wise). Learn the method, and save your money.
7 people found this review helpful
Did you find this helpful?
ynab.com
November 22, 2021
Hi Bryan! I'm so glad to hear that the YNAB Method has helped you gain total control of your money. We're hopeful your subscription feels worth the new price, but if it doesn't, we understand that, too. Please don't hesitate to reach out to [email protected] if there's anything we can help with!
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.
12 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!!
34 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

What’s new

Life is short, spend it well. Nothing major this week, just some small fixes and improvements under the hood.