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: 2.1
  • Adult Rating: 4+
  • File Size: 58.79 MB
  • Developer: You Need A Budget LLC
  • Compatibility: Requires iOS 10.0 or later.
Score: 4
4
From 1,425 Ratings

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/

Screenshots

Reviews

  • Best budgeting software!!!

    5
    By RyanStevens
    I’ve used almost every budget software / website out there over the years and YBAB is by far the best. It has the best concept of allocating money from income, forcing you to deal with your budget when categories go negative, and allows you to pull together all your financial institutions into one place. I realize many other companies have the same features, YNAB simply does it better and things just work.
  • Can't get it in portrait mode

    3
    By Lumenite808
    Love the app, just bummed that I can't get it to rotate into portrait mode on my iPad.
  • Wrong Bank URL and Broken Trblshooting links

    1
    By J-Dash
    Tried to sign up using account at local credit union, found the credit union, placed credentials to discover they have the WRONG URL. I submitted my banking credentials using this app to an incorrect URL. I then went their account setup troubleshooting page where I found broken links. Contacted support team, who reassured me that they would respond within a few HOURS, after sending my credentials to an outdated/incorrect URL. I'm sure the method works, but with broken links and incorrect links to financial institutions I would NOT reccomend this app.
  • Immense disappointment

    1
    By laceandpaperflowers
    I desperately needed to get a handle on my budget, after reading the reviews I thought his might be it. I even justified paying $6.99 a month because it was supposed to help. Only it didn’t. It’s not very user friendly, it doesn’t sync with my checking account as it’s supposed to, not to mention, after my first month of paying 6.99, I was charged $92 for the following month. This was not what I budgeted for, considering I am trying to get a handle on my budget a nearly $100 charge is a big hit to my budget. I canceled the service immediately. I’ll be researching other services that are better suited for me and affordable.
  • Great app with a few needed improvements

    4
    By PenguinShuffle
    I love YNAB, it saves me a huge amount of time compared to using an excel spreadsheet to budget. There is one bug that’s annoying: 1. When I try to click a budget item, say groceries, it actually goes to the line above. Doesn’t happen all the time, but quite annoying. A couple enhancements would make the app better: 1. I’d love to see a calculator when adding how much to budget for each category. I’m often trying to sum and divide by months. For instance I know I have Netflix every month, but have amazon prime due in 6 months. I need to calculate how much to save every month. 2. The syncing with the bank accounts works great but I don’t like that it takes so long. It’s never clear if it’s actually in the process of pulling in information. I can refresh the page, but it’s often minutes before new information is displayed. If there are no updates I’m left waiting for 5 minutes to decide whether it’s done syncing or not. 3. I want a feature to be able to do a quick budget and pick the amount I need to budget if I’ve overspent. If I’ve budgeted $50 so far, but I’m $10 over, I want the quick budget to give me the option to budget $60 instead of me having to calculate it. Easy for this example but less so when the numbers are not even.
  • Life-changing

    5
    By Cap10morgan
    “Life-changing” is a cliche at this point, but it is literally true for this app & service. Beyond just the app, if you learn the system and really incorporate it into your life, financial stress will turn into optimism. I can’t overstate how huge that is.
  • How did I save $ already?

    5
    By functioncreep
    It’s been only one month and money is saved, bills are paid on time and my husband no longer panics at certain times of the month. We don’t transfer savings to cover our checking anymore. I assume it’s more of us that he app but I can’t complain at how VISIBLE the app makes every penny. Even my savings account has a budget to allocate for summer camp and Xmas and the ever-elusive 3 month emergency funds. Basically it makes you face your realities. Like when your food budget is as high as your mortgage you need to learn couponing. That was a big shocker and required a whole new kind of budgeting.
  • The best. Nothing else comes close.

    5
    By Tonythedad
    The only budget software that has ever worked for me. Mint is retroactive. Ynab is proactive.
  • Suggestion

    4
    By Turtledip
    I would like to be able to Expand and Collapse each category group in the app like you are able to in the desktop version.
  • Changed my life

    5
    By Curtfam
    YNAB changed my life. This program and the app are easy to use and if you embrace it, it can help you create the life you want. Goals can be achieved with a clear goal and plan to get there.

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