About
YNAB is a budgeting app that helps you plan spending, track finances, and pay down debt. Link bank accounts to automatically import transactions, or add them manually. Create and share unlimited budgets with up to six people on one subscription, with real-time updates across devices. Use the Loan Planner to calculate debt payoff timelines and interest saved, and track progress toward financial goals. The app includes Siri integration for on-the-go updates. According to the source, 92% of users report less financial stress, and the average user saves $600 in the first month and $6,000 in the first year.
Highlights
- Link bank accounts to automatically import transactions or add them manually
- Create and share unlimited budgets with up to six people on one subscription
- Loan Planner calculates debt payoff timelines and interest saved
- Real-time syncing across devices keeps all users informed
- Siri integration for on-the-go budget updates and category balance checks
Best for
Couples and families managing shared finances, individuals working to pay down debt, and anyone seeking to reduce financial stress and build better spending habits.
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 finances, and pay down debt. You can link bank accounts to automatically import transactions, create shared budgets with up to six people, and use tools like the Loan Planner to calculate debt payoff timelines.
- Can I share a budget with others?
- Yes. You can create and share unlimited budgets with up to six people on one subscription. Real-time updates between devices keep everyone informed of changes.
- Does YNAB help with debt payoff?
- Yes. The Loan Planner calculates how long it will take to pay down debt and how much interest you can save. The app also includes built-in spending categorization to help you avoid 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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