Facebook_pixel
YNAB (You Need A Budget)

YNAB (You Need A Budget)

YouNeedABudget.com

Pay off more debt, grow your savings, and reach your goals faster.

4.5 Ratings 46K+ Reviews 1M+ Downloads

Coupon for this app

More Coupons from Similar Categories

Ratings & Reviews

Write a Review
  • img Community
    Let's face it - we all occasionally find ourselves in debt and nobody is immune to overspending. You Need a Budget is a solid app to get you back on track if you find yourself in a financial pickle.
    img by Gregory
    2 years ago
  • img Community
    As a freelancer, some months you earn $500 and some you earn well above $2000. The inconsistency can create a mess, so you need to organize so the numbers don’t overrun. It’s a great way to know how much you can spend depending on your monthly earning.
    img by Antonio
    2 years ago
  • img Community
    If your stay at home tasks include not only taking care of the kids all day but also spending 2 hours balancing excel sheets, you could use a much easier way to manage your household budget. Connect with all your accounts automatically to see where you stand before your next trip to Target.
    img by Ciera
    2 years ago
  • img Community
    No matter if your looking at buying or renting a new place, you'll need to be sure a ₹ 12,000 a month apartment or mortgage payment fits into your budget and financial goals. Track all of your expenses and manage your personal finances with budgeting tools.
    img by Bhanu
    2 years ago
  • img Community
    You may owe your bank $1,000 and one of the best ways to get out of debt is to manage your spending habits. If you need to find a way to control the amount you spend on certain things such as groceries and vacations, use this expense budgeting tool to manage them.
    img by John
    2 years ago
  • img Community
    If you don't know what you're spending on unnecessary items every month, then a budget might help you make smarter decisions. It's hard to spend $300 on shoes if you have to justify it in your budget at the end of the day.
    img by Steve
    1 year ago
  • img Community
    Carry out your kitchen renovation on a budget without overspending. This tool helps you to avoid falling into debt and save money. With it, you get to save up to $600 in a month. It allows you to connect your accounts in one place and save towards a goal.
    img by Sharon
    11 months ago
  • img Community
    With this app, you're giving every single $1 you earn a job to do. You set your budget and then link your accounts, ensuring all of your income and outgoings are tracked and going where you want them to. It's a great way of keeping on top of your mortgage.
    img by George
    9 months ago
  • img Community
    Giving yourself, and your kids, a budget when it comes to buying art supplies can help keep costs in check. Teaching kids about making choices when they've only got 5 bucks to spend can be a valuable lesson at a young age!
    img by Antonio
    5 months ago
  • img Community
    When you're creating a minimalist home, the difference between $500 per month and $700 per month can be vital to your dream layout. Creating a budget on your phone will allow you to make your dream house come true.
    img by Stefan
    5 months ago
  • Jan 14, 2022

    By S. J.
    I have used ynab for 10+ years. I think ynab was the best available. It is easy to use, attractive and good for budgeting. Negatively it is restrictive, they make you do things just so and took away features to make you budget according to their philosophy. It also is not very good about actually syncing to cards and banks. It would miss transactions often which makes budgeting more tedious. Price was OK. I now use another software without an app I like better.
  • The iPad app is way to kiddy Jan 31, 2019

    By Randombobarc
    The app/methodology/paradigm(s) have really revolutionized the way I approach my own finances and i cannot recommend it enough from that regard as a service & function. I have budgeted myself for well over a decade and have done alright, but always felt there was some missing piece or rather a “hole” that seemed to be getting in my way. This app/way of tagging and budgeting really helped me see in a very adult way, the ways in which I was failing to connect some financial dots and keep myself from doing as well as I should have been; it made sense after I really pressed myself to drop my bad thinking that I had developed to try and work around the natural holes in a standard budget logic. Having said all of that, I find myself using my iPad Pro to access the web client, as the app itself is so kiddy and limited that it makes it actually harder to digest the information presented and make the most sense of it. So much information but it’s all so “big” that you can’t see the big picture, almost simply because the text and forms are so LARGE. Really the app could be and needs to be as feature-rich and dense as the web app; basically take the web app and adapt it to be touch targets and color coded like the app is. It could be so much BETTER than the web interface with all the screen real estate on the iPad and the easy entry and basic structure they have in place for it already. I really look forward to the iPad app “growing up.”
  • Jan 2, 2022

    By Matthew Owen
    All of the bad reviews I see seem to be people upset about the price change. I don't know how they handled that change. But so far this app has been great. I signed up online for a month trial, and then I plan to pay yearly if this first month goes well. This app's method is a little bit unique, but I think it is a great method and easy to follow. It requires you to make the plan, but then allows for later flexibility much better than other budget apps.
  • Stable, Essential, Life Changing Oct 5, 2020

    By Ula VL
    I’ve used YNAB since I was a broke college student, and it’s helped me keep my financial life on track despite barely breaking the poverty line for my first few years out of school. I have never struggled to make rent or pay for my necessities, and I’ve stayed free of consumer debt. Because of YNAB I have been able to carefully weigh any debt I did take on (training for a career switch, a car) and pay it down without any stress. I clung stubbornly to the desktop app until I convinced my partner to start using it, and saw how far the web/mobile app had come, at which point I promptly switched over. I have a thing about app subscriptions (hate ‘em), but the YNAB team is consistently rolling out improvements and features, all of which have been rock solid and helped me plan for my financial future even better. It’s one of the rare cases where I get enough value from the service that I’m not only willing but HAPPY to pay to help the company grow. I could not recommend this app more highly. If you’ve ever struggled to save money or pay down debt, if you regularly get clobbered by predictable but irregular payments (6 month insurance premiums, replacing your computer/phone/car), if you need more accountability to make sure you’re spending your money in line with your values, there is nothing better on the market for helping you get there.
  • Jan 6, 2022

    By Amber Drechsel
    YNAB is literally the best budgeting software ever. Everyone should be learning how to use this for their own sake. **EDIT - I just read through the recent reviews, and honestly, I was entirely fine with the increase in price. $98.99 a year vs. the $83.99 I was paying before is quite frankly okay by me and undeniably worth it. I began using YNAB a few years ago and it has been a financial game-changer. It's the only software you need to do everything you could possibly need to do. 👍Thank you!(:
  • This app has changed my entire financial way of life Feb 5, 2021

    By 93Stephen
    This is one of the best things I have ever done for myself. I have always lived paycheck to paycheck. It’s been very difficult for me to save, and when expenses would pop up, like car repairs, I would have high anxiety. I had tried making a budget for myself before, using various spreadsheets designed for budgeting, but most had me try to figure out what I would bring in in a year and what I would spend in that year. It was something I could never figure out very well or stick to. YNAB starts by only having you budget the money you have right now. Every dollar gets a job. It makes it so much more manageable. In just a short period of six months, I’ve gone from having debt, to a point where that debt is gone and I just reached 30 days of the age of my money, which gives me so much more choice and MUCH less anxiety. The other great thing that sets this app apart is the help you receive. There are tons of online training sessions daily, and any time I hit a snag where I wasn’t sure how to handle something, I could get a hold of someone almost immediately who would walk me through the issue I was having. I would highly recommend this app to anyone who wants to get control of their personal finances and live a bit more at ease day to day.
  • Jan 10, 2022

    By Brekton Drougas
    I understand where everyone is coming from about the seemingly sudden price change, but I personally don't think it renders a poor review. It's clear that the people working on this app are very passionate about what they do. And it's obviously helped all of you with your needs. Why else would you stick around for so long? I'm finally joining after two years of watching my partner fall in love with YNAB, and I think it's worth every penny.
  • Love YNAB....one request Jun 4, 2020

    By rp.xray
    Update 6/3/20: please for the love of budgets can you create a way to upload files from Dropbox or files within the App? My local bank is not supported for direct link and this is becoming so cumbersome on iPad. I don’t want to have to go to a computer every single time but the process is becoming bogged down to the point of annoyance. I really love YNAB! It has helped us tremendously with our budget and is easy to use. For me, the app is a bit smoother and simpler to use than the website. Here is my conundrum: We use a small town bank that does not have direct download, so we have to manually download our transactions. I don’t want to fire up the laptop just to do this, as it doesn’t really take that long. So it goes, sign into bank website, download transactions, sign into YNAB website, which using an iPad means go to YNAB site, choose Request Desktop Site, then login, then import. Understandably, being it is a small bank, there may be no direct link in the near or distant future. I have no desire to move to another larger bank (there aren’t any close enough) that has direct link. So, I have one request, could we have a way to upload our manual transactions from the app instead of having to go through the website every time? It would make it a tad smoother process on the user end. I still love YNAB and will continue to use it. Never hurts to ask, right?
  • A significant upgrade from mvelopes but with a major caveat Mar 5, 2020

    By Berrivas
    I just switched away from a much deteriorated mvelopes, which I’ve used for years, and signed up for ynab. Overall, it is a much better implementation of a very similar and useful approach to budgeting— I really like it. Customer support is responsive, the interface is nice, and it nails all the essentials except for one thing— the way it handles reimbursements. I spend money for work costs in one month and am fully reimbursed the next. I never used to have to worry about it and it was useful for making sure I was capturing all my reimbursable expenses. Whereas with mvelopes I used to be able to carry over that negative balance into the next month, which would resolve when I get paid, ynab forces the balance to zero when the month turns over and moves the debt into my credit card accounts. This in turn forces me to have to allocate my personal funds to cover expenses I know will be reimbursed, or track down where the debt was created and manually allocate the payment to my credit cards. It makes a simple process that should have no impact on my personal budget MUCH more complicated than it needs to be. Ynab says they are working on creating a dedicated reimbursement category to address this issue, and I will be 100% happy with ynab when they do.
  • Life changer Aug 4, 2020

    By Magsita
    Adding myself to the list of folks who say this. I’m good with finances, but only looked backward at what I was spending, then made reasonable, gut-based decisions about what we could afford. We had a byzantine suite of accounts with which I wrestled monthly, transfer if from one account to another, writing everything out in tiny writing in a notebook then doing quarterly reports for myself. That’s to say, I put in a lot of work. But we didn’t get to the point of having extra money on hand, ever, and carried a fluctuating debt balance, always. I’m doing YNAB in a dedicated fashion, now, and I spend an hour or two a week keeping it up, revising my categories, and reviewing our expenses. I am failing at reconciling, but it’s a learning curve, and parenting two little people gobbles some goals. We’ve been able to save up for a new fence, a new dish washer, and are saving to replacing our water heater. The dish washer and water heater were simple bad timing, not discretionary decisions. The fence we saved up for! We’re able to do all this without paying any financing. It’d be killing us, a year ago, to have that all happen in 3 months time. And I’m really happy to have simplified how we manage our money. What a relief. Thank you, YNAB!!!!
  • Dec 21, 2021

    By dirtfarmer
    First time user, two issues: 1. Plaid is spotty. It doesn't work at all with my bank and one of my credit cards. This was the killer feature for me. 2. Mobile and desktop versions of YNAB can desync. If I hadn't noticed this right away I would have the complete wrong idea of where my finances were at depending on which version I use. Pretty bad for $15 a month. I still see the potential of YNAB but first impressions don't make me want to pay for it.
  • Jan 1, 2022

    By Regina Davis
    Student Account. So I have the full product. Originally, this app worked great! It's easy to use, takes some time to set up but with the import it made budgeting very easy. If it still worked, I'd stay with it. In August it started only importing once a month from my bank account. I've spoken to support many many times. So I stopped using it which basically meant I stopped budgeting. New year. Now I'm giving it one last chance while I shop for new software.
  • Dec 20, 2021

    By Michael Allen
    My experience is the same as pretty much all the other reviews. It's a pretty good app, but they announced they were doubling the price without any notification. I'm not using the app in any different way than I was several years ago so I can't justify paying double. I'll be looking Since they got greedy they'll get nothing moving forward. Developer response changes nothing. I opened a support ticket to get told this is what we are doing, tough luck. Which is fine, I just won't be renewing.
  • Day 1 and frustrated Oct 27, 2020

    By JMS43094
    I really liked the idea of this app. I signed up for a trial subscription. So far I’ve found this pretty frustrating. It’s very glitchy. You add your accounts by signing into them, but then you need to go an additional step and add them...annoying. I have accounts at Capital One. I spent the better part of an hour trying to link the accounts on and off, getting an error message with a message telling me it’s a temporary problem try again later, then I finally found some info within the app that there is a known issue with connecting/linking to Capital One, and it’s been an issue for many months possibly a year. So, that’s just bad business not to let me know that; turns out I’ll need to export a quicken form from my Capitol One accounts to add it to YNAB app; I’m not know for my record keeping which is why I Need A Budgeting APP that works seamlessly. I’m not impressed, I’m a fool with my money, but at least I’ll deeply consider spending $84 for a year or $12 a month for this glitchy app. I’ve been using Truebill which woke me up but doesn’t have the tools for budgeting I need like this app, so I’m disappointed. I had no problem at all connecting my account to Truebill including my Capital One account. Oh, I want to mention: I sent an email to CS about Capital One and adding my accounts and the reply is that they will get back to me in 24 hours. Yeah, this isn’t looking good.
  • Jan 1, 2022

    By Leona Dorothy
    Love YNAB, but annoyed that I can no longer tap "Ready to Assign" amount to move set value of dollars to a category. I end up having to use the web app on my laptop to assign dollars since this basic function no longer works with "auto-assign" being the only option (which I have no desire to use). Please fix.
  • Dec 30, 2021

    By C T
    I was absolutely in love with this app until the other day, when a $14.99 charge came in for this app, which was normally $11.99. it's pretty ridiculous that a budgeting app would increase their charges without even emailing their customers. I will be cancelling and uninstalling when I find another budgeting app that works for me. I see the developer responding to their customers claiming they did put out a message...UNTRUE!!! I have searched my email countless times to confirm it was not sent
  • Dec 11, 2021

    By Bobs Hernon
    Good: scrapes transactions, adds them up. Bad: accuracy takes mass amounts of labor, cumbersome to categorize and keep payees correct. Almost no useful reports. Generally what should take two or three clicks takes 5, 6, 10 or more. If you learn accounting from their secret tricks, you'll never be able to use a regular accounting software. Everything is unconventional and specialized. Never expected to find someone could outdo QuickBooks' nonsense methodology, but here you go!
  • Nov 5, 2021

    By Michael Riccardi
    Really surprised to see my subscription costs nearly double to almost $100/year, with only one month's notice. The app is great and all, but if you haven't tried YNAB yet, I'd recommend finding a cheaper and more price-stable alternative. Given the history of rate hikes, even if you can justify paying $100/year now, what if they double it again 4-5 years from now?
  • Nov 8, 2021

    By Ryan Cibasek
    There was another price increase and this makes it simply not worthwhile. I enjoyed the pleasant interface and enjoyed the simplicity. I was saddened when they went to the subscription model, I would rather have major versions that we pay a one time upgrade fee. Oh well back to making Excel sheets for me. Thanks for the guidance and I'll miss the software just overpriced for what I am getting.
  • Careful before you buy- good for single account low transactions Feb 16, 2019

    By BM-ATX
    This app seemingly is good for someone with one or two accounts and a level of transactions that they are comfortable going through all the time and comparing with YNAB Vs your account ledger. IMO, this app is an electronic way to balance a check book, nothing more. I made the mistake of adding all of my cash accounts and credit card accounts since I liked the function of credit card spend automatically going to your budget. However, the transferring around of money from one account to the other when paying is a nightmare in how it affects your “budget” on the application. Additionally, the auto function of reconciling accounts never works and my accounts were inaccurate most of the time. Another big problem with multiple accounts and banks is there is always connection issues that are blamed on the bank yet I ran mint along side and never had issues with Mint on same accounts. 30 day trial is NOT long enough for you to realize all the issues you will have with this application. Apple will NOT refund your $90 and YNAB will point you back to Apple. Be very careful on this tool, Mint is far better in every aspect and doesn’t cost you a dime.
  • img Community
    Let's face it - we all occasionally find ourselves in debt and nobody is immune to overspending. You Need a Budget is a solid app to get you back on track if you find yourself in a financial pickle.
    img by Gregory
    2 years ago
  • img Community
    As a freelancer, some months you earn $500 and some you earn well above $2000. The inconsistency can create a mess, so you need to organize so the numbers don’t overrun. It’s a great way to know how much you can spend depending on your monthly earning.
    img by Antonio
    2 years ago
  • img Community
    If your stay at home tasks include not only taking care of the kids all day but also spending 2 hours balancing excel sheets, you could use a much easier way to manage your household budget. Connect with all your accounts automatically to see where you stand before your next trip to Target.
    img by Ciera
    2 years ago
  • img Community
    No matter if your looking at buying or renting a new place, you'll need to be sure a ₹ 12,000 a month apartment or mortgage payment fits into your budget and financial goals. Track all of your expenses and manage your personal finances with budgeting tools.
    img by Bhanu
    2 years ago
  • img Community
    You may owe your bank $1,000 and one of the best ways to get out of debt is to manage your spending habits. If you need to find a way to control the amount you spend on certain things such as groceries and vacations, use this expense budgeting tool to manage them.
    img by John
    2 years ago
  • img Community
    If you don't know what you're spending on unnecessary items every month, then a budget might help you make smarter decisions. It's hard to spend $300 on shoes if you have to justify it in your budget at the end of the day.
    img by Steve
    1 year ago
  • img Community
    Carry out your kitchen renovation on a budget without overspending. This tool helps you to avoid falling into debt and save money. With it, you get to save up to $600 in a month. It allows you to connect your accounts in one place and save towards a goal.
    img by Sharon
    11 months ago
  • img Community
    With this app, you're giving every single $1 you earn a job to do. You set your budget and then link your accounts, ensuring all of your income and outgoings are tracked and going where you want them to. It's a great way of keeping on top of your mortgage.
    img by George
    9 months ago
  • img Community
    Giving yourself, and your kids, a budget when it comes to buying art supplies can help keep costs in check. Teaching kids about making choices when they've only got 5 bucks to spend can be a valuable lesson at a young age!
    img by Antonio
    5 months ago
  • img Community
    When you're creating a minimalist home, the difference between $500 per month and $700 per month can be vital to your dream layout. Creating a budget on your phone will allow you to make your dream house come true.
    img by Stefan
    5 months ago
  • img Expert
    1. Save up to $600 in the first two months! Helps you be realistic about your finances by breaking down frequent expenses into more manageable amounts
    2. A painless way to get out of debt! Debt Paydown gives all the tools & guides you need to remove a debt once and for all
    3. Create smart budget habits! Use Goal Tracking & get helpful advice to rapidly reach a specific goal without breaking a sweat

    Reviewed by Antonio Rozich on March 19, 2018

  • The iPad app is way to kiddy Jan 31, 2019

    By Randombobarc
    The app/methodology/paradigm(s) have really revolutionized the way I approach my own finances and i cannot recommend it enough from that regard as a service & function. I have budgeted myself for well over a decade and have done alright, but always felt there was some missing piece or rather a “hole” that seemed to be getting in my way. This app/way of tagging and budgeting really helped me see in a very adult way, the ways in which I was failing to connect some financial dots and keep myself from doing as well as I should have been; it made sense after I really pressed myself to drop my bad thinking that I had developed to try and work around the natural holes in a standard budget logic. Having said all of that, I find myself using my iPad Pro to access the web client, as the app itself is so kiddy and limited that it makes it actually harder to digest the information presented and make the most sense of it. So much information but it’s all so “big” that you can’t see the big picture, almost simply because the text and forms are so LARGE. Really the app could be and needs to be as feature-rich and dense as the web app; basically take the web app and adapt it to be touch targets and color coded like the app is. It could be so much BETTER than the web interface with all the screen real estate on the iPad and the easy entry and basic structure they have in place for it already. I really look forward to the iPad app “growing up.”
  • Jan 2, 2022

    By Matthew Owen
    All of the bad reviews I see seem to be people upset about the price change. I don't know how they handled that change. But so far this app has been great. I signed up online for a month trial, and then I plan to pay yearly if this first month goes well. This app's method is a little bit unique, but I think it is a great method and easy to follow. It requires you to make the plan, but then allows for later flexibility much better than other budget apps.
  • Stable, Essential, Life Changing Oct 5, 2020

    By Ula VL
    I’ve used YNAB since I was a broke college student, and it’s helped me keep my financial life on track despite barely breaking the poverty line for my first few years out of school. I have never struggled to make rent or pay for my necessities, and I’ve stayed free of consumer debt. Because of YNAB I have been able to carefully weigh any debt I did take on (training for a career switch, a car) and pay it down without any stress. I clung stubbornly to the desktop app until I convinced my partner to start using it, and saw how far the web/mobile app had come, at which point I promptly switched over. I have a thing about app subscriptions (hate ‘em), but the YNAB team is consistently rolling out improvements and features, all of which have been rock solid and helped me plan for my financial future even better. It’s one of the rare cases where I get enough value from the service that I’m not only willing but HAPPY to pay to help the company grow. I could not recommend this app more highly. If you’ve ever struggled to save money or pay down debt, if you regularly get clobbered by predictable but irregular payments (6 month insurance premiums, replacing your computer/phone/car), if you need more accountability to make sure you’re spending your money in line with your values, there is nothing better on the market for helping you get there.
  • Jan 6, 2022

    By Amber Drechsel
    YNAB is literally the best budgeting software ever. Everyone should be learning how to use this for their own sake. **EDIT - I just read through the recent reviews, and honestly, I was entirely fine with the increase in price. $98.99 a year vs. the $83.99 I was paying before is quite frankly okay by me and undeniably worth it. I began using YNAB a few years ago and it has been a financial game-changer. It's the only software you need to do everything you could possibly need to do. 👍Thank you!(:
  • This app has changed my entire financial way of life Feb 5, 2021

    By 93Stephen
    This is one of the best things I have ever done for myself. I have always lived paycheck to paycheck. It’s been very difficult for me to save, and when expenses would pop up, like car repairs, I would have high anxiety. I had tried making a budget for myself before, using various spreadsheets designed for budgeting, but most had me try to figure out what I would bring in in a year and what I would spend in that year. It was something I could never figure out very well or stick to. YNAB starts by only having you budget the money you have right now. Every dollar gets a job. It makes it so much more manageable. In just a short period of six months, I’ve gone from having debt, to a point where that debt is gone and I just reached 30 days of the age of my money, which gives me so much more choice and MUCH less anxiety. The other great thing that sets this app apart is the help you receive. There are tons of online training sessions daily, and any time I hit a snag where I wasn’t sure how to handle something, I could get a hold of someone almost immediately who would walk me through the issue I was having. I would highly recommend this app to anyone who wants to get control of their personal finances and live a bit more at ease day to day.
  • Jan 10, 2022

    By Brekton Drougas
    I understand where everyone is coming from about the seemingly sudden price change, but I personally don't think it renders a poor review. It's clear that the people working on this app are very passionate about what they do. And it's obviously helped all of you with your needs. Why else would you stick around for so long? I'm finally joining after two years of watching my partner fall in love with YNAB, and I think it's worth every penny.
  • A significant upgrade from mvelopes but with a major caveat Mar 5, 2020

    By Berrivas
    I just switched away from a much deteriorated mvelopes, which I’ve used for years, and signed up for ynab. Overall, it is a much better implementation of a very similar and useful approach to budgeting— I really like it. Customer support is responsive, the interface is nice, and it nails all the essentials except for one thing— the way it handles reimbursements. I spend money for work costs in one month and am fully reimbursed the next. I never used to have to worry about it and it was useful for making sure I was capturing all my reimbursable expenses. Whereas with mvelopes I used to be able to carry over that negative balance into the next month, which would resolve when I get paid, ynab forces the balance to zero when the month turns over and moves the debt into my credit card accounts. This in turn forces me to have to allocate my personal funds to cover expenses I know will be reimbursed, or track down where the debt was created and manually allocate the payment to my credit cards. It makes a simple process that should have no impact on my personal budget MUCH more complicated than it needs to be. Ynab says they are working on creating a dedicated reimbursement category to address this issue, and I will be 100% happy with ynab when they do.
  • Life changer Aug 4, 2020

    By Magsita
    Adding myself to the list of folks who say this. I’m good with finances, but only looked backward at what I was spending, then made reasonable, gut-based decisions about what we could afford. We had a byzantine suite of accounts with which I wrestled monthly, transfer if from one account to another, writing everything out in tiny writing in a notebook then doing quarterly reports for myself. That’s to say, I put in a lot of work. But we didn’t get to the point of having extra money on hand, ever, and carried a fluctuating debt balance, always. I’m doing YNAB in a dedicated fashion, now, and I spend an hour or two a week keeping it up, revising my categories, and reviewing our expenses. I am failing at reconciling, but it’s a learning curve, and parenting two little people gobbles some goals. We’ve been able to save up for a new fence, a new dish washer, and are saving to replacing our water heater. The dish washer and water heater were simple bad timing, not discretionary decisions. The fence we saved up for! We’re able to do all this without paying any financing. It’d be killing us, a year ago, to have that all happen in 3 months time. And I’m really happy to have simplified how we manage our money. What a relief. Thank you, YNAB!!!!
  • I hate the new keyboard Jan 21, 2018

    By ItsBader !
    App is great, service is great and life changing. Been using it for two years and finally can keep up with my spending and seeing improvement But anyways this is a review of the app not the service and I currently have a few issues 1. My girlfriend and I (she is more enraged than I am) loved how easy it was to change budgets in the old app! Now We have to go through a very long journey just to change the budget! And I have 3 different budgets (sometimes 4 if I am traveling) I wish there was an easy way to switch between them (while we are at it, the web app could use easier budget switching ..). Also, maybe add in a title somewhere which budget I have opened? A few times I have logged in things in the wrong budget, because I didn’t realize I had the wrong one open 2. The keyboard to enter a transaction as of 21st of January. I like the overhaul of the page, I love how everything is in one page, but hate the new keyboard! My eyes bleed every time I look at it .... YNAB has designed such an aesthetically pleasing app, why did they do that!! And it bothers me that the keyboard covers the clear button (yes it’s silly I know). I hope the great developers behind this app can find it in their hearts to make the keyboard visually pleasing ...
  • Jan 3, 2022

    By Steven Mancini
    Great service, but the app is lacking. There is no way to reconcile on mobile. This is a huge inconvenience. Edit: 11/1/21 The price is going up and I still cannot reconcile on Android. I am not exaggerating when I say I ONLY use my home PC for reconciling my budget which is ridiculous. Not cool, YNAB.
  • Love YNAB....one request Jun 4, 2020

    By rp.xray
    Update 6/3/20: please for the love of budgets can you create a way to upload files from Dropbox or files within the App? My local bank is not supported for direct link and this is becoming so cumbersome on iPad. I don’t want to have to go to a computer every single time but the process is becoming bogged down to the point of annoyance. I really love YNAB! It has helped us tremendously with our budget and is easy to use. For me, the app is a bit smoother and simpler to use than the website. Here is my conundrum: We use a small town bank that does not have direct download, so we have to manually download our transactions. I don’t want to fire up the laptop just to do this, as it doesn’t really take that long. So it goes, sign into bank website, download transactions, sign into YNAB website, which using an iPad means go to YNAB site, choose Request Desktop Site, then login, then import. Understandably, being it is a small bank, there may be no direct link in the near or distant future. I have no desire to move to another larger bank (there aren’t any close enough) that has direct link. So, I have one request, could we have a way to upload our manual transactions from the app instead of having to go through the website every time? It would make it a tad smoother process on the user end. I still love YNAB and will continue to use it. Never hurts to ask, right?
  • New link server 👎🏻 Apr 25, 2020

    By scott&julia
    I love YNAB. It has helped completely reconstruct our finances and has been amazing for us.. but the other day they were forced (I believe) to start using a new account link server because do an acquisition and the new server is awful. It seems to work ok when it works but when it doesn’t work, the server takes an astronomical amount of time to relink accounts. For some reason I have to constantly relink my discover accounts, I always have, but now that process which used to take seconds takes minutes every time. I’m not sure if Discover or ynab is to blame but the new server is significantly drawing out the process. Other accounts which have been historically not able to connect at all but maybe once a week (commerce bank) is showing as connected with the new server but is not actually syncing. So that’s confusing because at least with the older server it would tell me when it wasn’t synced and was so when it was I could rely on the information but now it’s not even telling me so I can’t rely on it at all ever, I just have to manually balance. It’s unfortunate that this has happened because ynab was awesome, and still is but I am very hopeful they can work out the issues with the new server which seem to be pestering others besides myself according to reviews.
  • Dec 28, 2021

    By Cheyenne Smith
    Why is the app suddenly not remembering previous categories for vendors? This feels very glitchy for such an expensive product. Also needs an undo button. *EDIT to say thank you for the response. I appreciate that you have excellent customer service. The glitch seems to have been fixed.
  • Love the app so far Jun 7, 2020

    By Trinijenna
    I love the interface and all of the features of this app. The only thing that brought down my rating is the heavy use of shame and blame on one of their top resources (podcast on getting out of debt - Rule one priority) displayed prominently on the app. It really brought the whole process into a negative light and it made the app less appealing or friendly to use because now I feel berated and pressured into doing it. It’s no longer a fun experience to open the app and use it. While shaming someone with doom and gloom into doing the right thing works for some, it doesn’t work for all. If people are using your app and resources, they are already making the right move and therefore don’t need to be reminded of their past failures or bad financial decisions in such a disparaging manner. YNAB should closely monitor the podcasts and resources they allow to represent their company. At the very least the link should be called Tough Money Talk or something similar to better match the tone of the message contained which seems to be “You don’t deserve any happiness in life until you pay off all of the unnecessary debt you brought on yourself that should’ve been avoided.” Now I need to repair my self-esteem and re-assess. Thanks a lot. But I’ll be back!
  • This App Transformed my Personal Finance but.... Apr 23, 2021

    By StevenF1005
    This app is great, and changed my life for the better. It helped me pay off 6k dollars worth of credit card debt in 7 months. I also love how it can keep track of everything. Anything from brokerages, student loans, and 401ks. I love the desktop and mobile version. It’s a fantastic app with fantastic support. Although there is a few critiques. This app could be much more powerful. It could automatically tell you your budgets when you go to a specific location, it could show you a plethora of data based on all your financial accounts. Maybe it could notice patterns that the customer is unaware of. Maybe it could have broad goals like pay off all consumer debt/student loans. Maybe tell you more exact goals like if I paid a little more to my mortgage, how much could I save. It also could automatically accommodate for fixed interest rates. I also think the app needs a lot of help, if we need 5 videos explaining the program, then it’s too difficult for someone with a limited amount of time to understand it.
  • Best Budgeting App Out There Jul 6, 2018

    By Kobusaf
    Let me start by saying that YNAB is the best budgeting app out there, and I’ve tried pretty much all of them. That being said, it’s not perfect, and I find it lacking some key components. Chief among them is the ability to see planned income VS scheduled expenditures. Maybe I’m wrong, but there’s no easy way to see how much money I expect to earn in a given month, compared to scheduled bills for the month. I get paid weekly, and that amount varies based on overtime, so what I end up doing is planning week by week, but I have no way of knowing if I’m meeting my obligations for the month without constant review of scheduled transactions. If I look through the budget, all underfunded categories appear in yellow, but there’s no hard and fast method to see all bills for the month compared to what I expect to earn for the month, in order to see how much discretionary spending I can afford for the month. Otherwise, the methodology behind YNAB is fantastic and is laser focused on budgeting. If you struggle with your personal finances, You Need A Budget!
  • Great app but.... Nov 2, 2019

    By Zane205
    Honestly this app is wonderful. Just one tiny issue. The fact that you can’t count future income. For me this creates a problem. When I sit down to create my monthly budget, there is no way to get out of the red. This just isn’t logical to me. If I am able to budget out where my money is going over the course of the month, it only makes sense that future income be counted. This way, when all numbers are in, I can see exactly what’s left over at the end of the month. And then as things change during the month. It’s very easy from a quick glance to know how far off track I am. I know you take the approach budgeting for money you have now, but that’s not how budgets really work. Especially when attempting to budget over the course of a month or so. Please consider this change. I am a premium member but this alone has me looking at other solutions.
  • Great budgeting software, customer service rocks too Apr 14, 2019

    By S. Smith.
    Takes a few to switch your mind on how YNAB works compared to other budgeting software, but the video tutorials out there really help. While I was only a few days into my trial I had a import issue with a bank that would have prevented me from keeping the software, wrote to customer service and they replied immediately and had a fix in less then 2 days, uh-maxing! Based on that I was determined to push past the learning curve and give the software a real try. I love it! Only reason for my 2 stars is that one of my banks keeps having time outs on pulling data. Also, my husband and I have the credit cards from the same bank, so sometimes it mixes up which card a payment went to or which card a charge came from, not to difficult for me to fix manually, but I definitely have to be aware if it seems off.
  • Good app, but missing some important functionality Feb 5, 2021

    By OaktownGrrl
    I've tried a lot of budgeting and expense tracking apps, and this is the one that comes closest to what I need. It really helps you get on track in terms of saving for goals and keeping spending under control. I also find it easy to use this to budget for different income scenarios, which gives me a sense of security. One strange thing about the mobile app is that there's no way to see an itemized list of income for the month in one place, or even total income. Um, hello, I want to know exactly how much income hit this month from different sources. It would be helpful if that was in the budget report (income from current month plus carryover) or at least by tapping the monthly budget amount, just like the detailed list of transactions you can get by tapping on expense categories.
  • Jan 14, 2022

    By S. J.
    I have used ynab for 10+ years. I think ynab was the best available. It is easy to use, attractive and good for budgeting. Negatively it is restrictive, they make you do things just so and took away features to make you budget according to their philosophy. It also is not very good about actually syncing to cards and banks. It would miss transactions often which makes budgeting more tedious. Price was OK. I now use another software without an app I like better.
  • Jan 2, 2022

    By Mikewar123
    Used to love YNAB but they increased the price and it's no longer worth the value at $180/year. Edit(Reply to YNAB comment): many people can't or won't pay for a year up front (which is why you offer a $14.99 / mo option), those people will end up paying $180 / year for YNAB. Great product if you are willing to pay that price however the value just isn't the same as it used to be especially with other options popping up over the years. A shame.
  • Dec 31, 2021

    By Ashley M
    I went through the YNAB guides on how to use the mobile app and my app looks nothing like the guides. I have a homescreen with my budget and that's it. I can't click on anything to get to a settings button and the only way I can get to a new screen is if I get a push notification for that area. I don't know how to fix it, reinstalling doesn't work. I'm in the free trial right now and this is something that is making me seriously consider against purchasing because I do most things on mobile.
  • Raising Prices Nov 1, 2021

    By RatingWarrior14
    I love YNAB, I really do… I could leave a 5 star review with six paragraphs on how much I enjoy the budgeting feature on the app. However, the upcoming raise in price is seriously forcing me to consider finding another budgeting tool. YNAB might consider me not “core” enough for their offering and an unwilling subscriber that they are willing to lose…. That’s not the case, I’ve had the tool for years and I use it everyday. I’ve even brought in over 3 of my friends to be full time subscribers (the most difficult sell for them was of course the monthly subscription). Can I do almost everything YNAB does in a free Google sheet? Yes, I can. Does YNAB truly offer $15 worth of value each and every month? I’m not sure. Prices have remained the same since 2017, so am I to expect a $5 increase in price every five years? I understand inflation causes prices to rise to even our digital goods, but I fully expect the value of those goods to rise as well. YNAB’s recent feature releases (and roadmap as far as I can tell) do not reflect the increase in price, What new features and functionality and I paying for this team to build? Please be careful YNAB Team, or your app will quickly outprice itself in a very competitive mobile budgeting field.
  • Bugs need fixing Jan 9, 2021

    By Bill171986
    I’ve used YNAB in the past and loved it. I’ve switched to iPhone and so far this has some annoyances. I re-subscribed to the service and the app closed while trying to “load” the a screen that, I’m guessing, would confirm my subscription. I never got that screen. I did get the charge and the receipt email but the YNAB service apparently can’t match that to my account. I’ve contacted Customer Service and can update this rating based on their response. I’ve never had this issue with almost any other subscription even if the apps closes. On iPhone they also need to update the login screen (I’m on iPhone 12). If you aren’t using Google or Apple for the account, you can enter an email but you can’t scroll down to see that you’re entering a password (to count characters, or just to see it’s being entered) and the screen won’t automatically move down after entering your email. Small annoyance but still really annoying to have to guess that I entered the correct number of characters for the password while I’m typing it.
  • Love it... BUT... Jan 3, 2019

    By AT1189
    I truly do love this app more than any of the other budgeting tools put there however it’s missing a few key elements. The app version is different than the website version and you can’t “search” transactions easily or look at your reports. Also, it’s slightly annoying that I may make a category for something but then in the future I’m not allowed to delete that category after it’s been used because then all the transactions will be “uncategorized” I wish that this platform would allow flexibility as life often changes. Other than that, it’s super easy to use, a beautiful easy to navigate and read design, great goal setting features, and a great sync feature w/ financial accounts. And I love that my significant other and I have separate budgets but under 1 account so we can easily flip back and forth between the 2of us. I love spending time on this app and watching the progression towards my financial goals. Keeps me motivated!
  • Good app, but the goal updates took a step backwards Jan 18, 2020

    By JoseWouldKnow
    Great app, and have been using it for years. However, the new goal updates are unintuitive and not useful. Was very dissatisfied and disappointed. The monthly contribution is described as “Spend up to this amount each month” but that’s not the function of that goal. For example, if I set a monthly spending goal of $100 for utilities, but I only spent $75 in the current month, then I would only want to allocate $75 the following month so that the utilities budgets stays at $100 given that’s my monthly spending goal. However, the app is asking to allocate the full $100 on that following month, meaning my next month’s budget would be $125, which is more than I would want. This problem would just continue to grow over time after each month. Not useful and not practical when trying to plan future spending.
  • Dec 21, 2021

    By dirtfarmer
    First time user, two issues: 1. Plaid is spotty. It doesn't work at all with my bank and one of my credit cards. This was the killer feature for me. 2. Mobile and desktop versions of YNAB can desync. If I hadn't noticed this right away I would have the complete wrong idea of where my finances were at depending on which version I use. Pretty bad for $15 a month. I still see the potential of YNAB but first impressions don't make me want to pay for it.
  • Jan 1, 2022

    By Regina Davis
    Student Account. So I have the full product. Originally, this app worked great! It's easy to use, takes some time to set up but with the import it made budgeting very easy. If it still worked, I'd stay with it. In August it started only importing once a month from my bank account. I've spoken to support many many times. So I stopped using it which basically meant I stopped budgeting. New year. Now I'm giving it one last chance while I shop for new software.
  • Day 1 and frustrated Oct 27, 2020

    By JMS43094
    I really liked the idea of this app. I signed up for a trial subscription. So far I’ve found this pretty frustrating. It’s very glitchy. You add your accounts by signing into them, but then you need to go an additional step and add them...annoying. I have accounts at Capital One. I spent the better part of an hour trying to link the accounts on and off, getting an error message with a message telling me it’s a temporary problem try again later, then I finally found some info within the app that there is a known issue with connecting/linking to Capital One, and it’s been an issue for many months possibly a year. So, that’s just bad business not to let me know that; turns out I’ll need to export a quicken form from my Capitol One accounts to add it to YNAB app; I’m not know for my record keeping which is why I Need A Budgeting APP that works seamlessly. I’m not impressed, I’m a fool with my money, but at least I’ll deeply consider spending $84 for a year or $12 a month for this glitchy app. I’ve been using Truebill which woke me up but doesn’t have the tools for budgeting I need like this app, so I’m disappointed. I had no problem at all connecting my account to Truebill including my Capital One account. Oh, I want to mention: I sent an email to CS about Capital One and adding my accounts and the reply is that they will get back to me in 24 hours. Yeah, this isn’t looking good.
  • Jan 1, 2022

    By Leona Dorothy
    Love YNAB, but annoyed that I can no longer tap "Ready to Assign" amount to move set value of dollars to a category. I end up having to use the web app on my laptop to assign dollars since this basic function no longer works with "auto-assign" being the only option (which I have no desire to use). Please fix.
  • Dec 11, 2021

    By Bobs Hernon
    Good: scrapes transactions, adds them up. Bad: accuracy takes mass amounts of labor, cumbersome to categorize and keep payees correct. Almost no useful reports. Generally what should take two or three clicks takes 5, 6, 10 or more. If you learn accounting from their secret tricks, you'll never be able to use a regular accounting software. Everything is unconventional and specialized. Never expected to find someone could outdo QuickBooks' nonsense methodology, but here you go!
  • Careful before you buy- good for single account low transactions Feb 16, 2019

    By BM-ATX
    This app seemingly is good for someone with one or two accounts and a level of transactions that they are comfortable going through all the time and comparing with YNAB Vs your account ledger. IMO, this app is an electronic way to balance a check book, nothing more. I made the mistake of adding all of my cash accounts and credit card accounts since I liked the function of credit card spend automatically going to your budget. However, the transferring around of money from one account to the other when paying is a nightmare in how it affects your “budget” on the application. Additionally, the auto function of reconciling accounts never works and my accounts were inaccurate most of the time. Another big problem with multiple accounts and banks is there is always connection issues that are blamed on the bank yet I ran mint along side and never had issues with Mint on same accounts. 30 day trial is NOT long enough for you to realize all the issues you will have with this application. Apple will NOT refund your $90 and YNAB will point you back to Apple. Be very careful on this tool, Mint is far better in every aspect and doesn’t cost you a dime.
  • Declining usefulness Apr 13, 2021

    By LucyHeidi
    I’ve used YNAB for a few years now. It started out as being so helpful to my life after I struggled to use a cheaper app that required entering every transaction. While I was very careful it somehow always got off. This app being far more expensive said it automatically uploaded transactions so you didn’t have to worry about missing. I invested in it and for a long time it was useful. However a few years ago a credit card disconnected and I unknowingly went over budget that took months to overcome. This has now happened multiple times with increasing frequency. They always default to “you can manually enter expenses” but if I wanted to do that I would have stuck to the cheaper apps. I will not be continuing with YNAB after the renewal comes up. They keep losing connections now and I have no desire to pay such a high price to have my credit cards and bank accounts constantly disconnecting. The last disconnection I experienced took almost a year to fix (from May to March) and now not even a month later another account disconnected. Hopefully the improve soon and will not cause more damage to future and remaining customers.
  • Product is decent, customer service is poor Nov 2, 2021

    By monkeylavender
    Yes, they’ve doubled the costs as everyone in the reviews has mentioned. That, in of itself, isn’t a bad thing but how it was communicated and rolled out was very poor. Especially since the early OG users were promised a grandfathered rate and there were no reasonings for the increase. This is all poor customer service, so keep that in mind if you plan on subscribing. Onto the product, it’s a pretty decent products with some nice features (goals, recurring transactions, budgeting, basic reports) but I’ve found myself more annoyed that my bank imports are constantly disconnected. I still track every transaction but I rely on my accounts staying up to date with the various bank interest and fees that if I go too long without a sync there inevitably pending imports to reconcile which are very annoying. Their reports are basic and the previous YNAB 4 version had far superior charts. Overall, a decent app with poor customer service. I’m still going to pay for the service because it’s valuable to me, but once a stronger competitor comes along I’ll be the first one in line go try it out.
  • ‘Plaid’ integration really messed up USAA account holders Jun 19, 2020

    By mightyetjones
    I’ve been happy with YNAB in general. In Spring 2020, YNAB started using a 3rd-party system, Plaid, to get updates from banks. For some banks, this probably went fine. For USAA bank, which requires 2-factor authentication, the interaction to sync with bank accounts went from a couple extra taps to about 15, including re-entering a password every time you want to update and receiving TWO separate SMS codes. It’s a drag, and it makes using YNAB a lot less fun than it used to. I talked to YNAB customer service (which is personal and responsive and generally great, btw!) early on about the bad interaction pattern. They were aware and sympathized, and warned that this could take several months to resolve. I’m a developer, too, and I understand that some issues need to be delayed while you handle the really pressing issues. But, after three months, every time I use YNAB, there’s a handy reminder that I’m paying them $85/ year to not be a priority. If you’re a USAA account holder, know that YNAB has been really great in the past, and may be again.. but you’re in for some frustration and stonewalling for the moment.
  • Bad bank connections and bad customer service May 3, 2020

    By swanbizzle
    I loved this app when I first got it. But over the past few months, YNAB has not been able to connect to my bank accounts. Because of this, my budget is constantly off and the balances are not correct. What good is a budgeting app that you pay for if your account balances are rarely correct? I have messaged customer service several times and have gone through their steps at resolving this issue but have not been successful. The other problem is that there is no customer support that you can call on the phone to walk you through your issues with the software. I message their customer support and have to wait a day for their response, but by the time I get a response back it’s been a full day and I can’t immediately work on the issue because I’m at work or busy or otherwise preoccupied. It’s a huge hassle. YNAB is a great idea but in my personal experience, it is still lacking in major areas if they’re going to charge you as much as they do - especially all at once as opposed to a one time charge.
  • Dec 20, 2021

    By Michael Allen
    My experience is the same as pretty much all the other reviews. It's a pretty good app, but they announced they were doubling the price without any notification. I'm not using the app in any different way than I was several years ago so I can't justify paying double. I'll be looking Since they got greedy they'll get nothing moving forward. Developer response changes nothing. I opened a support ticket to get told this is what we are doing, tough luck. Which is fine, I just won't be renewing.
  • Dec 30, 2021

    By C T
    I was absolutely in love with this app until the other day, when a $14.99 charge came in for this app, which was normally $11.99. it's pretty ridiculous that a budgeting app would increase their charges without even emailing their customers. I will be cancelling and uninstalling when I find another budgeting app that works for me. I see the developer responding to their customers claiming they did put out a message...UNTRUE!!! I have searched my email countless times to confirm it was not sent
  • Nov 5, 2021

    By Michael Riccardi
    Really surprised to see my subscription costs nearly double to almost $100/year, with only one month's notice. The app is great and all, but if you haven't tried YNAB yet, I'd recommend finding a cheaper and more price-stable alternative. Given the history of rate hikes, even if you can justify paying $100/year now, what if they double it again 4-5 years from now?
  • Nov 8, 2021

    By Ryan Cibasek
    There was another price increase and this makes it simply not worthwhile. I enjoyed the pleasant interface and enjoyed the simplicity. I was saddened when they went to the subscription model, I would rather have major versions that we pay a one time upgrade fee. Oh well back to making Excel sheets for me. Thanks for the guidance and I'll miss the software just overpriced for what I am getting.
  • Disappointed Oct 11, 2021

    By lvcigarz
    I have been using YNAB from the beginning. I must tell you that I am very disappointed in the current version. This is the first year that I have tried to set up next year’s budget with the current version, and I am unable to do so. Maybe I am just not understanding how to use this version, but trying to use it tonight, I don’t like it. It is cumbersome and more difficult to simply add a budget expense. I have always set up my budget a year in advanced, and I make adjustments during the year. I can’t even access February next year to add my numbers. I’m retired and my expenses are pretty much set for the most part. You guys really put me in a hole. I will most likely not renew my subscription. A budget program is supposed to be easy to use and flexible so the user won’t hesitate to use it. You have made it much more complicated to use and added so many rules that it is not worth it any longer. This really infuriates me. You have taken a Life Changing program and turned into a something difficult to use.
  • Looks promising, however, lacks in Privacy protection Aug 27, 2021

    By Digs C.
    The Copilot App has one of the most diverse and easy to use UI’s. It is also filled with many features that end users find attractive when it comes to managing their budgets, income streams, expenses and other pertinent finances data. However, my biggest complaint against this app is that although they claim that they do not collect or sell your personal info, the provider they utilize, Plaid, does. This in turn negates the privacy policy as the third party company still harvests and collects a lot of your personal information as well as your banking habits. Such a shame that they rely on utilizing on a third party service that is not interested in safeguarding the privacy and information of its users. Additionally, Plaid has been accused of posing as a number of banking institutions in order to collect financial data from people when they signed up for payment apps and are currently settling a class action lawsuit pertaining to this issue.

What’s Groovy

What’s Subpar

Read reviews & save money at the same time!

Sign up for free to get curated app coupons delivered to your inbox daily. Save up to 90% on popular apps like YNAB (You Need A Budget)

We will never share or sell your data with third parties. You can opt out anytime.