Bad at money?
YNAB can help.
Start your free trial and get good at money. It's easy! No credit card required.
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We're #1 for a reason...
(and not just because our mom said so.)
YNAB simplifies spending decisions, clarifies priorities, and brings more joy to every day and every dollar by making it easy to get good at money. Just give every dollar a job and never worry about money again.
90%
say their finances are in a better place since starting YNAB*
91%
say YNAB has changed the way they think about money*
70%
of YNABers could live for 3 months or more on savings*
93%
have recommended YNAB to friends or family*
"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
What will you accomplish with YNAB?
I want to...
Crush your debt for good.
Using YNAB’s Loan Planner, you can see exactly how much time and interest you’ll save by throwing a few extra dollars at your debt. It turns paying off debt into an exciting game you actually want to play.
Get Out of DebtStudent Loan
Gain total control.
Stop wondering where your money went. With YNAB, you assign every dollar to a specific category before you spend it. When the unexpected happens, just roll with the punches and move money around.
Enjoy AdulthoodFund your wildest dreams.
Set targets for vacations, new cars, or just a rainy day. YNAB breaks your big goals into manageable monthly chunks so you can spend without guilt, knowing you're fully covered.
Start SavingSeamless, secure bank syncing
Link your checking, savings, and credit card accounts directly to YNAB. Transactions import automatically so your budget is always up to date. We use bank-level security to ensure your data stays private.
Chase Checking
YNAB Together
Share your subscription with up to 5 loved ones at no extra cost.
Budgeting is better together
Whether you're sharing expenses with a partner, teaching your teenager about money, or helping an aging parent, YNAB Together lets you share budgets without sharing a single login.
Start Your Free 34-Day TrialThe average user saves $600 in their first month and $6,000 their first year.
And we don't like to play favorites or anything, but you seem well above average to us. Are you ready to get good at money? You seem ready. We're already impressed.
I realized that money was a tool that would help me create my dream life.
YNAB truly helped me buy freedom from a toxic relationship, the flexibility to spend time with my kids, and the ability to pursue my biggest dreams.
I went from living paycheck to paycheck, to having $42K saved in one year.
YNAB has removed the stress of money from my life and in doing so has helped make me a better husband. It's like I got to remove a personal flaw I had never been able to fix.
I slayed $30K of debt, reclaimed my freedom, and now I'm living wild and free.
I now live a life of empowered spending and am headed for an early retirement, knowing I'll never have to compromise my values for a paycheck.
Honest Review: Is YNAB right for you?
Pros
- Proactive approach—you assign money *before* you spend it.
- Excellent auto-sync with thousands of banks safely.
- Cult-like community and incredible free educational resources.
- YNAB Together allows sharing with a partner for free.
Cons
- Steep learning curve; it requires you to completely rethink how you manage money.
- Requires active management (it's not a lazy "set and forget" app like Mint used to be).
- Annual subscription fee applies ($109/year or $14.99/month).
An investment that pays for itself.
Try it absolutely free for 34 days. No credit card required.
Monthly
Pay as you go.
- Link unlimited bank accounts
- Access on Web, iOS, and Android
- YNAB Together (Share with 5 people)
- World-class customer support
Annual
The most popular choice.
Equals just $9.08/mo!
- Link unlimited bank accounts
- Access on Web, iOS, and Android
- YNAB Together (Share with 5 people)
- World-class customer support
Get YNAB. Get Good at Money.
You put so much effort into making money, shouldn't you invest the same time, attention, and care into spending it?
Start Your Free 34-Day TrialIt's easy! No credit card required.
YNAB (You Need A Budget) Personal Finance App
YNAB is a proactive personal finance and budgeting application that helps users get out of debt, save money, and share budgets securely using the proven give every dollar a job method.
Price Currency: USD
Operating System: Web Browser, iOS, Android
Application Category: FinanceApplication
4.8
