YNAB

YouNeedABudget.com ❘ Freeware ❘
Android iOS

Master Your Finances with YNAB

David Fischer

01/10/2025

YNAB is a powerful budgeting tool designed to help users take control of their money and achieve financial goals through proactive planning and real-time tracking.

Are you wondering where your money is going? Do you feel frustrated that you're not making progress or uncertain about your future? These are important questions, but the way we think about money has been shaped by society. It's time to change your money mindset and start enjoying your spending.

Don't settle for a life filled with constant doubt about your spending decisions, progress, and future. You deserve better.

YNAB offers a set of habits that can transform your relationship with money for good. As you adopt these habits, you'll stop arguing about money, make wiser choices, and have peace of mind. Are you ready to feel confident and secure in your financial decisions?

Try YNAB with a one-month free trial today!

Key Features:

Built for Partners and Families: Share budgets and dreams with up to six people at no extra cost
Manage Your Loan Payoff: Calculate the time and interest saved with each extra dollar paid towards debt
Expense Tracking: Easily view budget changes in real-time to simplify managing finances with a partner
Goal Setting: Turn your dreams into tangible categories, set spending targets, and visualize your progress
Credit Cards: Gain clarity on your ability to pay off credit card balances and get guidance on creating a plan
Import Income & Expenses: Add transactions manually or securely link accounts to get a comprehensive financial view
Spending & Net Worth Reports: Analyze your spending patterns and track the growth of your net worth in vivid detail
Privacy Protection: Rest assured knowing that we don't sell your data or display in-app ads
Resources Galore: Access a wealth of free resources, including live workshops, video courses, and written guides

Customer Testimonials:

"I never thought I'd see the day, but thanks to YNAB, I've conquered my credit card debt!" - @taber
"Now that my net worth is increasing, I'm sleeping better and our money arguments have disappeared." - Jonathan, Former Mint user
"Thanks to YNAB, I not only paid off all my debt but exceeded my goal. No more financial stress!" - @HancinGaming
"In just 23 days, my fiance and I are paying for our wedding without any loans, all thanks to YNAB." - @Thai_Jonny

With YNAB's simple set of habits, you can learn to spend purposefully, save ambitiously, and even give generously. How do you want to allocate your money and ultimately shape your life?

Start your one-month free trial today, and if you like what you experience, choose from our convenient monthly or annual subscription options.

Subscription Details:

YNAB is a one-year auto-renewable subscription, billed either monthly or annually
Payment will be charged to your iTunes Account upon confirmation of purchase
Subscription automatically renews unless auto-renew is turned off at least 24-hours before the end of the current period
Your account will be charged for renewal within 24-hours prior to the end of the current period
You can manage your subscriptions and turn off auto-renewal by going to your Account Settings after purchase
Any unused portion of a free trial period, if offered, will be forfeited when you purchase a subscription

Read our Terms of Use for more information:

https://www.ynab.com/terms/?isolated

Check out our Privacy Policy:

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

Overview

YNAB is a Freeware software in the category Business developed by YouNeedABudget.com.

The latest version of YNAB is currently unknown. It was initially added to our database on 01/26/2010.

YNAB runs on the following operating systems: Android/iOS.

YNAB has not been rated by our users yet.

Pros

User-friendly interface that makes budgeting easy for beginners.
Real-time tracking of expenses and income allows for accurate financial insights.
Encourages proactive budgeting by assigning every dollar a job.
Mobile app available for budgeting on the go, enhancing accessibility.
Strong community support and extensive educational resources provided by YNAB.
Ability to set financial goals and track progress towards them.
Yearly subscription fee is often justified by the savings users report over time.

Cons

Requires a learning curve to fully utilize all features effectively.
Subscription-based model can be viewed as expensive for some users.
Limited customization options for categories compared to other budgeting tools.
Not all banks are supported for direct connection, which may require manual entry of transactions.
No investments tracking feature, focusing only on budgeting, which may not meet all users' needs.

FAQ

What is YNAB?

YNAB (You Need A Budget) is a budgeting software created to help people take control of their finances, prioritize their spending, and save money for the future.

How does YNAB work?

YNAB uses a zero-based budgeting system where every dollar is allocated to a specific category. Users track their expenses, set financial goals, and adjust their budget as needed to stay on track.

Is YNAB free?

No, YNAB is a subscription-based service with a monthly or annual fee. However, there is a 34-day free trial for new users to test out the software before committing.

Can YNAB sync with bank accounts?

Yes, YNAB can sync with bank and credit card accounts to import transactions automatically. Users can also manually input transactions if they prefer.

Is YNAB safe to use?

YNAB uses bank-level encryption to secure users' data and does not store banking credentials on its servers. The company takes privacy and security seriously to protect user information.

Does YNAB offer educational resources?

Yes, YNAB provides educational resources such as blog articles, videos, workshops, and live classes to help users learn about budgeting, financial literacy, and how to make the most of the software.

Can YNAB be accessed on mobile devices?

Yes, YNAB has mobile apps for iOS and Android devices, allowing users to track their budget on-the-go and stay connected to their finances at all times.

Does YNAB support multiple currencies?

Yes, YNAB supports multiple currencies, making it suitable for users in different countries or those who have accounts in different currencies.

Can YNAB help with debt repayment?

Yes, YNAB offers tools and features to help users pay off debt by creating a plan within their budget and tracking progress towards debt reduction goals.

What sets YNAB apart from other budgeting apps?

YNAB emphasizes giving every dollar a job, encourages users to roll with the punches when unexpected expenses arise, and focuses on changing spending behaviors for long-term financial success.

David Fischer

I am a technology writer for UpdateStar, covering software, security, and privacy as well as research and innovation in information security. I worked as an editor for German computer magazines for more than a decade before joining the UpdateStar team. With over a decade of editorial experience in the tech industry, I bring a wealth of knowledge and expertise to my current role at UpdateStar. At UpdateStar, I focus on the critical areas of software, security, and privacy, ensuring our readers stay informed about the latest developments and best practices.

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