About
YNAB is a personal budgeting app that helps you plan spending, track expenses, and pay down debt. Link your financial accounts to automatically import transactions, or add them manually. Share unlimited budget plans with up to six people on one subscription, with real-time updates across devices. The app includes a Loan Planner to calculate debt payoff timelines and interest saved, spending categorization to avoid new credit card debt, and goal tracking to visualize progress toward financial priorities. Users report saving an average of $600 in the first month and $6,000 in the first year.
Highlights
- Link financial accounts to automatically import transactions, or add them manually
- Share unlimited budget plans with up to six people on one subscription with real-time updates
- Loan Planner calculates debt payoff timelines and interest saved
- Built-in spending categorization to help avoid new credit card debt
- Goal tracking and net worth visualization to monitor financial progress
Best for
Individuals and couples looking to reduce financial stress, pay down debt, and coordinate spending decisions together. The app is designed for people who want to move from feeling disorganized about money to having a clear, shared financial plan.
At a glance
YNAB is rated 4.8 out of 5 from 45,165 ratings and is available on iOS and Android — all free to download.
It is developed by You Need A Budget LLC.
Screenshots
Frequently Asked Questions
- Is YNAB free?
- Yes — YNAB is free to download on iOS and Android.
- What platforms is YNAB available on?
- YNAB is available on iOS and Android.
- What is YNAB?
- YNAB is a budgeting app that helps you plan spending, track expenses, and pay down debt. You can link financial accounts for automatic transaction imports or add expenses manually, and share budget plans with up to six people on a single subscription.
- Can I share my budget with others?
- Yes. YNAB lets you create and share unlimited budget plans with up to six people on one subscription. Real-time updates between devices keep everyone informed of spending and budget changes.
- Does YNAB help with debt payoff?
- Yes. YNAB includes a Loan Planner that calculates how long it will take to pay down debt and how much interest you'll save. The app also uses built-in spending categorization to help you avoid taking on new credit card debt.
- What are the alternatives to YNAB?
- YNAB is similar to Monarch: Budget & Track Money, Famzam: Split Bills & Expenses, Cash App, and Monzo Bank - Mobile Banking. Browse related apps by tag: goal tracker, finance, and budgeting.
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