I've been using YNAB for over a year now and it's changed my life. There was definitely a learning curve and took a few months to 'get into' zero budget planning and using the App to check my account... See more
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About YNAB
Written by the company
“YNAB isn’t just a tool for money management. It’s a tool for self-actualization. Who do you want to be, and how can the money you earn help you get there?” —Adrienne So, Senior Associate Reviews Editor for WIRED
Our award-winning app is based on a simple but powerful practice that clarifies priorities and creates a new state of awareness around spending.
YNAB will teach you how to approach your money with intention—whether you're setting savings goals, creating a debt paydown plan, or reflecting on your spending habits—YNAB will support you every step of the way with a wealth of free resources including workshops, video courses, live help, and an enthusiastic community.
Since 2004, YNAB has taught millions of people that money doesn’t always have to feel like a problem—it’s actually full of promise and possibility! People find YNAB because they think they want to save more, spend less, or pay down debt—they stay because they’ve started achieving their life’s goals, stopped fighting with their partner, and have never slept better.
Your money is your life; spend it well with YNAB!
Try YNAB Free for 34 Days
Do money differently.
Written by the company
- Money can’t buy happiness… but the way you spend it can.
- YNAB is more than an app—it’s a simple but life-changing practice that has inspired millions to spend, save, and live joyfully.
Take YNAB for a Test Drive
34 Days to Less Money Stress
Contact info
United States
- help@ynab.com
- ynab.com
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Super budgeting and tracking tool
YNAB has been a great platform for me. Although there is a little learning curve, there are many great videos available to explain things. Whether you're looking to reduce your debt or just avoid getting into debt, YNAB will help you keep track of things.
Obsessed with this app and all it has…
Obsessed with this app and all it has done for my finances!
It helped me in organizing my finances…
It helped me in organizing my finances and to plan for the succeeding months.
A fantastic app which makes managing…
A fantastic app which makes managing your money so simple and effective. I would fully recommend this app to anyone looking to stay on top of the finances and get a month ahead of your spending.
YNAB Keeps Me On Track!
YNAB works! If you do not spend money you do not have it is much easier to stay afloat. I am actually finding, after several months using YNAB, that I am able to save enough money to finish some long overdue home maintenance and improvement projects. Thank you YNAB!!
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Sad to see the direction of the company
I am really sad to see all of the changes recently. It seems like YNAB is putting profits first and making the app worse with each release. I really don't like the direction the company is headed. It's really sad to see. They haven't posted a helpful video on social media in weeks. These videos are what makes this app work for the consumer. I'm sure it will be replaced with an AI chat bot any minute now. 🙄

Reply from YNAB
The app I never knew I always wanted
Accountability for spending with instant access to bank activity. Help viewing the plan in the future with spending activity charts. This app is all around helpful.
Steep and intuitive learning curve but absolutely worth it
Great software, helps with budgeting, a steep and intuitive learning curve but worth it. Finally saving money after many years.
Great tool for money success
I really enjoy the support bot. It has been very helpful for me when I get lost or confused, which happens quite often. One thing I wish YNAB had is the ability to pay bills in the app. I know that it is a budgeting tool but it sure would be convenient to do everything in one place. I tried YNAB many years ago and was unable to stick with it because of my lack of discipline. In the past year I have been able to take my plan and make it work for me. So I can be discipline. Reading the blogs watching the videos has given me the tools to be successful with my money and my life. I'v been able to not stress about if I'm going to have enough money to cover my expenses at the end of each month to being almost two months ahead in just a years time. It's so nice to be able to enjoy life without worry. YNAB has given me the tools and now I just apply them for success. Thank you YNAB
Life changing
Life changing! This software made it possible for me to be on top of my personal finances, after 3 decades of excel spreadsheets, and countless ways that I tried to get on top of it without success. This is a must for everyone!
YNAB has been super helpful for my…
YNAB has been super helpful for my budget. I do wish they would work on tracking for some products.

Reply from YNAB
Realizing where my money is going
For a long time I would be that paycheck to paycheck person, only because I would see funds on my account then just spend away on things here and there. I get paid decently but I was surely living above my means. I recently got into ynab as I wanted to manage money with my wife. Being YNAB "Broke" has saved me now in 3 occasions. I like to keep a small buffer from my paycheck and it has paid off. Those unforseen repairs or setbacks due show up and having money just for that keeps me at ease we'll beyond my next paycheck. I'm not fully a month ahead but I'm living more comfortably checking my ynab and seeing my actual designated free money opposed to my bank account.
Good but not without system glitches
Good but not without system glitches. All In all a good product

Reply from YNAB
Completely transformed my family's financial life
I cannot recommend YNAB highly enough.
This app and its methodology have completely changed my financial life. There is a learning curve, but the platform is really incredible. The educational content they provide is world-class and shifts how you look at money entirely.
After mint shut down, its given my wife and I the clarity and control over our budget that we desperately needed. We should have moved sooner.

Reply from YNAB
I love being able to see my budget at a…
I love being able to see my budget at a glance. New features pushed out keeping our needs top of mind. I have used competitors apps and this by far the easiest to navigate.
A game changer for finances
I've been using this app for over a year to manage my finances and has been a game changer. Really means I can see where my money goes and how this has changed over time. Gives me control when the prices are going up and means I know were I have extra. Would highly recommend the app as a way to save and give you security knowing that you have things covered.
Best budget app I have ever used. Recommend it to anyone wanting to succeed in their finances.
I have used this budgeting app for 1 yr and paid off my credit cards and stayed out of debt since.
Just renewed this app for another year.
Love it.

Reply from YNAB
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