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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I’ve always gotten the answers I am…
I’ve always gotten the answers I am looking for and the team is helpful
I love to use YNAB for budgeting
I love to use YNAB for budgeting! It is user friendly and makes my life easier with my finances!
My best friend told me about using this…
My best friend told me about using this app for years & how helpful it's been for her and her family. I finally committed to using it, and it has really changed me for the better. My financial stress levels are down, and I weirdly enjoy the routine of tracking my finances through the app now. The more time goes by, the better I get at planning for bigger expenses or adjusting my budget when surprises happen. Being able to do this feels good!
YNAB is very easy to use
YNAB is very easy to use. Connected with the app it is a very powerful tool for budgeting and tracking expenses. Highly recommend this platform for anyone looking to easily budget and track their finances!
May use AI-assist with repliesRead more
I have trouble with erroneous links…
I have trouble with erroneous links appearing as I navigate the YNAB screen. It is annoying!

Reply from YNAB
Highly recommend to be the master of your finances!
Great app for managing budget and getting ahead on finances! It takes some time to set up and learn the system but once you make that initial commitment - it's easy! We have totally turned around our finances and couldn't have done it without YNAB!
i’ve been able to set up a budget and…
i’ve been able to set up a budget and stay up on everything and save it’s been a good experience
I really like the app
I really like the app. It takes a little bit of learning on how to do it. I know there are lots of tutorials and videos about it. In the end, I just got help from my daughter has been using it for years. I do think when explored the site has so much information about your finances.
I just wanna give ynab 5 starts rating…
I just wanna give ynab 5 starts rating because they deserve it

Reply from YNAB
Helped me through tight times
It has redefined how I have budgeted and how I think about money. Over the last two years, I moved five times and changed careers twice in that period. YNAB kept me sane because it helped me plan ahead with a flexible, adaptable budget that reduced stress by letting me see what I am working with overtime. Yes, I have tried other budget apps and methods.
Easy to populate data
Easy to populate data, between bank accounts and YNAB tracking. 1 year of accurate tracking is extremely valuable for anyone wanting to know where their money goes.
I wish there was a reset button for…
I wish there was a reset button for when you go overbudget one month.

Reply from YNAB
Helpful Budgeting Tool
YNAB has COMPLETELY changed my…
YNAB has COMPLETELY changed my finances! I do not earn a lot but by using YNAB and sticking to it, I feel like I am rich. I can't explain how magic this app is. Commit to it and you won't regret it.
Consider tutorials and how-to's
My lifeline as far as managing finances and saving money but just a suggestion...
It's not easy to figure out at the start. You end up having to restart a few times because it gets so confusing there's no way to go about it. I recommend it to people and they say the same which is why they end up abandoning it.
You should have more walk thru tutorials on how to use it to retain more users

Reply from YNAB
Before YNAB I was in overwhelming…
Before YNAB I was in overwhelming credit card debt, and I didn't have a clue how much money I was spending month-to-month or how much I had after all the bills were paid (none!). Now, I know exactly where my money is going, I've been able to stop money from leaking out of my accounts and have my credit card charges only capping out what I can pay in full at the end of the month. I feel more confident in my finances, and once my credit cards are paid off, I'll be looking forward to getting a month ahead of my expenses. This app is the real deal and works as long as you work with it consistently.
Will always use YNAB …
It has brought our financial knowledge in to focus. We now can see the whole picture much clearer.
However complex is your financial situation and habits, YNAB works
It’s an opinionated and slightly clunky app. I was annoyed in the beginning. But boy I’m glad I gave it a longer look. However complex is your financial situation and habits, YNAB works. It’s genius.
Also, it’s during using YNAB that I became financially independent and quit my job to travel the world. Coincidence?
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