YNAB (You Need A Budget)

YNAB (You Need A Budget)

By You Need A Budget LLC

  • App Category: Finance
  • Release Date: 2015-10-20
  • Current Version: 2.3.2
  • Adult Rating: 4+
  • File Size: 60.09 MB
  • Developer: You Need A Budget LLC
  • Compatibility: Android, iOS 10.0
App Ratings: 4
4
Based on 1,702 Reviews

YNAB (You Need A Budget) App Description

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 Synching—Easily connect all your accounts in one place. On the Go— Realtime access to all your data makes it simple to share finances with a partner. Debt Paydown—The tools and teaching you need to help you get out of debt for good. Goal Tracking—Set and track goals to reach them faster. Reporting—Detailed, visual spending and trend reports help you measure progress and improve. Personal Support—Our friendly support team is available around the clock via email, live chat in the app, and offer 100+ free, live workshops every week. 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 You’ve Never Budgeted Like This Before YNAB is unlike any personal finance app, expense tracker, or money management system you’ve tried before—because it works. The powerful combination of award-winning apps and a proven method—YNAB’s Four Rules—has changed the lives of hundreds of thousands of people by teaching them to get control of their finances, stop stressing, and live the life they want to live. A Proven Method—YNAB’s Four Rules Rule One: Give Every Dollar A Job | Be intentional about what you want your money to do before you spend it. Rule Two: Embrace Your True Expenses | Break up larger, less frequent expenses into smaller, manageable amounts. By saving monthly for insurance premiums, holidays, or car repairs, when the time comes, your money is ready and waiting to do its job. Rule Three: Roll With The Punches | When life changes, so must your budget. Make adjustments and move along. Flexible budgets succeed because they’re guilt-free, realistic, and sustainable. Rule Four: Age Your Money | As you repeat the first three rules, you’ll increase the time between earning a dollar and the moment you need to spend it. When your money is at least a month old, you’ll have finally broken the paycheck to paycheck cycle for good. Free for 30 Days, Then an Annual Subscription We don’t want your money unless you feel like YNAB is helping you gain control of yours. In fact, we offer a No-Risk, 100% Money-Back Guarantee. At any point, if you don’t feel like you have more control of your money with YNAB, we’ll give you a full refund. No questions asked. Subscription Details - YNAB is a one-year auto-renewable subscription, billed 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. Terms of Use: https://www.youneedabudget.com/terms/?isolated Privacy Policy: https://www.youneedabudget.com/privacy-policy/?isolated

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App Reviews

  • It’s great!

    2
    By erricana
    Overall the app is great but they no longer import from my bank. When I paid to subscribe I was able to connect to my bank. I’m extremely disappointed.
  • Easy budgeting, needs a better goal progress view

    4
    By Bsmith100
    This tool is a fantastic way to organize your income and track your spending in relation to the budget you’ve allocated for each category. I’ll likely be using this for quite a while. It would be very nice to have a summary view of the progress on your goals. Sometimes I might forget I have a goal set for a certain category, and having a summary view would make it easy to prioritize underfunded goals.
  • Love it but...

    4
    By pjQRm
    I really like this app. It is absolutely changing my and my wife’s life. Though it feels a little pricey. To the developer: Most of all, I almost exclusively use the browser over the app (so does my wife) because the UX is difficult to navigate. I feel that there has to be a better way to use the iOS version I’m just not sure what that looks like... I sincerely hope it gets better because I love my mobile apps! Consider sticking to the Human interface Guidelines from Apple and taking a more radical minimalist approach. It’s close but not quite perfect.
  • Wish I had this years ago

    5
    By Mike8472529
    I've been using daily for 4 months now and it has made a huge difference in my finances. Well worth the subscription fee in my opinion.
  • Game Changing Life Saver

    5
    By ephievon
    I was 31K in debt with school loans, a car loan, and credit card debt. I had tried Mint, which was a great app to get an overall view of where my money was going, but I wanted to see where my money needed to go before it went there, and that's what YNAB does. Using this app and software was crucial in helping me get out of 31K in debt over 3 years. Now I am debt free with savings and I spend so much less on things I don't really want or need and just enough on things I do want and need!
  • Grate.... when it works.

    3
    By FCFRD
    This app is fantastic when it works and when it is linked to your accounts. Unfortunately it is CONSTANTLY loosing connection with my banks. Out of the blue YNAB will ask me to re-link my account, so when I re-enter the user ID and password it then tells me the password or something else is incorrect. So then I go directly to my bank webpage and log in with zero issues. This happens on almost a monthly basis with multiple different accounts and financial institutions. It will tell me that the connection is lost between YNAB and my bank for about a week or 2 then it will finally accept the same user name and password it has always been and work flawlessly for about a week or two. Then the cycle starts all over again.
  • Need passcode or fingerprint id

    4
    By SusanNicknameNotAllReadyUsed
    Need passcode or fingerprint id
  • Great app

    5
    By Happyfeetsterdead
    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!
  • Most confusing app ever purchased

    1
    By AllenPierce
    I recently tried this app for budgeting purposes. I found the setup to be extremely complicated and the process of categorizing new expenses painful. I gave up after several attempts to use. I forgot to cancel and was incredibly dismayed when they charged my Apple account $83.99. Yikes! Don’t let this happen to you. Wish I could get a refund!
  • Amazing

    5
    By Czhc
    This is the only review I have ever written. This is the only app that has satisfied me so much, that I love it with all my heart. Thank you YNAB.

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