YNAB (You Need A Budget)

YNAB (You Need A Budget)

By You Need A Budget LLC

  • Category: Finance
  • Release Date: 2015-10-20
  • Current Version: 2.3
  • Adult Rating: 4+
  • File Size: 60.04 MB
  • Developer: You Need A Budget LLC
  • Compatibility: Requires iOS 10.0 or later.
  • App Ratings:
    4/5 ( 1,578 App Reviews)
  • Price:
    Free
YNAB (You Need A Budget) App Ratings: 4
4
Based on 1,578 App Reviews

YNAB (You Need A Budget) App Details

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/

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App Reviews

  • Confusing

    1
    By Glad_e
    I work for a financial planner at an investment firm. I have my series 7 and 66 licenses. And I can’t understand this app. I hate that it includes my savings account as part of my “To Be Budgeted”. So it’s constantly showing I have thousands to use when I keep a limited amount in my checking account. I’m also confused how credit card payments work because when I make a payment OR spend money, the available balance for that credit card gets higher then rolls over to the next month. Same goes for my mortgage, I pay it off in full and the credit somehow rolls over to next month. I wish I could start at zero each month and categorize everything again. I appreciate the free online classes but it doesn’t make using the app worth it for me. A rep was even nice enough to email me an explanation of how the budget categories work but I don’t have time to study an app and figure out how it works. I canceled my subscription.
  • Great idea, spotty apps

    3
    By Swduncan
    The method is great, but the apps are have annoying bugs and missing features. Reconciling accounts can only be done on a computer, as the web app isn’t accessible on mobile devices (it just redirects you to a page to get the mobile app) The bank interfaces are buggy. The web app will often jump a row when an item is selected, so if you’re quick you’ll often find you’ve edited the wrong item. When you match two approved transactions you have to approve it again because whatever. Very glad I got in before the price increase.
  • Great app

    5
    By PenguinShuffle
    I love YNAB, it saves me a huge amount of time compared to using an excel spreadsheet to budget. There have been great improvements in the app over the last few months. I asked for a calculator and was amazed YNAB actually listened! Great app!
  • Way Too Complicated

    1
    By Vanessa in NJ
    I wanted to like this app, but I found it way too complicated. There are so many tutorials that I didn’t know where to start. Heading over to Mint. Sorry :(
  • Not a fan of the new keyboard

    4
    By ikanidan
    LOVE YNAB! The app works well for keeping the budget while on the go. I have been a subscriber since day one. This most recent update however is disappointing. While the calculators are welcome, the new number pad is WAY too small. What was a quick easy way to enter transactions, has become very prone to error. Here’s to hoping the YNAB team will update the UI soon!!!!
  • Not intuitive

    2
    By AB1471
    I downloaded this app because NYT recommended it. It’s not very intuitive. Has very minimal, restricted offerings. Mint is far better. Unfortunately, BofA doesn’t sync with Mint. Will try this for a month and see whether it actually helps.
  • Scam - Very hard to cancel trial and avoid $84 charge

    1
    By Spatello
    The way the trial subscription is set up is a scam and makes it incredibly difficult to cancel the subscription. Horrible app, would highly avoid the trial
  • Best Budgeting App

    5
    By 82SallySusan82
    I’ve been using ynab since October. The last six months I have been able to watch my account go from pennies between paychecks, to having a completely untouched paycheck in my account on payday. This app works. It’s like a check register. Debit cards changed how we kept track of money. Budgeting all of my money each month hasn’t been difficult or stressful at all. It’s given me control over my finances again and I’m in charge of where money is spent. This app is worth the yearly fee. It’s saved me so much already, it’s more hand paid for itself.
  • New calculators. Meh.

    3
    By facfour
    While it’s nice to be able to do some calculations, making the buttons smaller for entry was not the way to go. Bad UX for this guy.
  • Be careful!

    1
    By Psupatel
    I added this app because I had read about it and thought it might be helpful. $6.99/mo after a 30 day free trial seemed pretty reasonable. Well, it was more complex than I thought, so I put it away thinking I would come back to it. And forgot about it. So today I got charged $83.99 for a full year subscription for an app I have never used! Why is this the default subscription amount - it makes no sense other than the app developer is doing it intentionally to screw people who are trying to be careful about managing their budgets. Ironic. Anyway, looks like I’m out $83.99, but I’m hoping other people don’t make the same mistake.

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