I don't know how I managed my finances before YNAB. I've only been using it for the past five months but I already can't remember! It changes the very way you think about money and budgets... I now enjoy spending more because I'm not constantly worried about overspending ("I've budgeted for it!") And if I push the limit a little bit I don't mind making the sacrifice on another category. It requires just a little bit of discipline to record all the transactions manually everyday (Indian banks aren't supported) but it's so worth it. This is one app that I very happily pay for.
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.
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.
“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
- 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.
- Any unused portion of a free trial period, if offered, will be forfeited when the user purchases a
subscription to that publication, where applicable.
What's New in Version 2.11.1
What’s New in v2.11.1
So, it looks like all of our iOS developers woke up on January 1st and made a New Year's resolution to completely eradicate all bugs and possibly even the memory of bugs existing as a thing. I don't know if maybe they watched A Bug's Life or Antz or that Jerry Seinfeld movie with bees, and just said, "who do these guys even think they are with their legs and wings, swimming in raindrops and ruining picnics?!!!" But then, instead of taking out actual bugs, they just went ham on getting rid of a ton of bugs for this release. Whatever the case may be, we fixed a TON of bugs:
• Fixed a rare issue where the app could get stuck loading on launch...just like how real bugs sometimes get stuck loading up on lunch.
• On the iPad, we fixed some cases where the budget tab would show a different month after switching back to the app or resizing it. To be clear, a different "month" was showing up, not a different "moth." Moths are terrifying the way they dive bomb your lantern when you're camping at night. Sorry, we’ll stop talking about real bugs now.
• We made it so the actions on the transaction toolbar are now all accessible in all multitasking modes and orientations. BTW, Multitasking is new. Now it’s new and improved!
• Fixed a bug where sometimes subcategories were not able to be reordered until after an app restart. Not ideal, but now that restart shouldn’t be necessary!
• Replaced "Add Transaction" with "Record Payment" in context menus for debt categories. This wasn’t just a text swap. There is now an appropriate behavior that happens as well, such as the cursor going to the outflow field.
• Fixed a bug where if you had a By Date goal and the target date had already passed, we weren't letting you save changes to a category! Whoops! Fixed now.
• Changed the flow for covering overspending on iPad using the red pill. Now it goes straight to a filtered list of categories to cover the overspending with. Unfortunately, this has nothing to do with Keanu Reeves choosing to leave the Matrix to become a grown-up man fetus who gets flushed down a robot toilet...sounds maybe a little strange out-of-context...
• Cleaned up icons, simplified color schemes and did some minor animation fixes. Nothing major here, but it will pave the way for possible improvements to colors, icons and animations in the future.
• Fixed the top of the empty state text being cut off in the payee selection screen. Was the full state half empty, or was the empty state half full? Now, we’ll never know.
• Fixed an issue where the nearby payee was not defaulted when creating a new transaction before the device location is loaded. But let’s be honest, it’s usually Amazon, Target or Costco #AmIRight?
• Previously, when tapping and holding on a section header, the context menu came up for the first cell in the section, making it difficult to reorder groups. This prevented context menus from popping up on budget section headers and also on all cells while editing. But we fixed this.
• Fixed a crash when unmatching transactions on iPad.
• Fixed a rare crash when reordering category groups...and hey, no one likes crashes, except I remember that movie, “Crash” winning best picture or something. Also, that Dave Matthews song was OK. Other than that, though, crashes are universally not liked.
You Need A Budget LLC
VPP Device Licensing
iOS 11.0 or later
iPhone 5s, iPhone 6, iPhone 6 Plus, iPhone 6s, iPhone 6s Plus, iPhone SE, iPhone 7, iPhone 7 Plus, iPhone 8, iPhone 8 Plus, iPhone X, iPhone XR, iPhone XS, iPhone XS Max, iPhone 11, iPhone 11 Pro, iPhone 11 Pro Max, iPad (5th Generation) Wi-Fi, iPad (5th Generation) Wi-Fi + Cellular, iPad (6th generation) Wi-Fi, iPad (6th generation) Wi-Fi + Cellular, iPad Pro, iPad Pro (Cellular), iPad Pro (9.7-inch), iPad Pro (9.7-inch) (Cellular), iPad Pro 12.9-inch (2nd generation), iPad Pro 12.9-inch (2nd generation) Wi-Fi + Cellular, iPad Pro (10.5-inch), iPad Pro (10.5-inch) Wi-Fi + Cellular, iPad Pro (11-inch), iPad Pro (11-inch) Wi-Fi + Cellular, iPad Pro 12.9-inch (3rd generation), iPad Pro 12.9-inch (3rd generation) Wi-Fi + Cellular, iPad Air, iPad Air (Cellular), iPad Air 2, iPad Air 2 (Cellular), iPad Air (3rd generation), iPad Air (3rd generation) Wi-Fi + Cellular, iPad mini Retina, iPad mini Retina (Cellular), iPad mini 3, iPad mini 3 (Cellular), iPad mini 4, iPad mini 4 (Cellular), iPad mini (5th Generation), iPad mini (5th Generation) Wi-Fi + Cellular, iPad (7th generation) Wi-Fi + Cellular, iPod touch (6th Generation), iPod touch (7th generation), Apple Watch Series 4
Waste of time
I am using YNAB for many years and been through with first version to current one. However, it’s the methodology behind on how to budget that YNAB has gotten correct.
What works for YNAB is they are not a budget app, they teach you how to budget and do so in an unique way.