YNAB - Budget tracking & planning

Where does your money go? Frustrated you aren’t getting ahead? Entirely unsure about your future? You’re asking the right questions but the world has taught you to think about money all wrong. You aren’t broke, but your money mindset is. It’s time to change your relationship with money and enjoy your spending.

Don’t settle for a life of constantly second-guessing your spending decisions, your progress, and your future—trapped somewhere between defeated, embarrassed, and overwhelmed. There is another way.

You need a set of habits to change your mindset and your behavior until you are spending purposefully, saving aspirationally, and even giving generously.

YNAB has taught millions of people a set of habits to change their relationship with money for good. As these habits become second nature, you’ll stop fighting about money, make better decisions, and sleep better at night. Confident, secure — are you ready to feel this way about your money (and so much more)?

Start Your One-Month Free Trial Today!

Transform Your Financial Mindset

This app facilitates a significant shift in your financial behavior. It teaches habits that can lead to improved decision-making and reduced financial stress. You will acquire valuable skills that make managing your finances second nature, ensuring a more confident and secure financial future. YNAB provides such tools as expense tracking, enabling you to visualize your finances in real time. It also supports goal setting, allowing you to categorize dreams and track progress toward financial aspirations.

Comprehensive Financial Management

YNAB is built to serve partners and families, allowing up to six people to share budgets without additional cost. From managing loan payoff and tackling debt to setting spending targets, it offers robust financial oversight. Additionally, you can import income and expenses by linking accounts to gain a holistic view of your financial landscape. Reports on spending and net worth provide clarity, helping you make informed financial decisions.

Prioritize Privacy and User Support

With YNAB, privacy is paramount; your data is not sold, and in-app ads are absent. Enhanced by an award-winning support team and abundant resources, including workshops and guides, this app ensures you have the assistance needed to master financial management. These features make YNAB a powerful tool for those wanting to embrace purposeful spending and effective saving strategies, including a 30-day free trial to explore its capabilities.

Key Features:

Built for Partners and Families: A close-knit group of up to six people can share budgets (and dreams!) at no extra cost.

Manage your Loan Payoff: Tackle debt by calculating the time and interest saved with every extra dollar paid.

Expense Tracking: View changes to your budget in real time to simplify sharing finances with a partner.

Goal Setting: Turn your dreams into categories, set spending targets, and visualize your progress as you go.

Credit Cards: You'll always know whether you can pay off your credit card balance. If not, we'll help you make a plan to get there!

Import Income & Expenses: Add transactions manually or securely link accounts to view your big financial picture in one place.

Spending & Net Worth Reports: See your spending averages (down to the cent) and your growing net worth in full technicolor glory by slicing and dicing your data.

Privacy Protection: We don't (and won't) sell your data. We don't host in-app ads or pitch recommended products. It’s never been our thing. Ew.

Resources Galore: Our award-winning support team is eager to answer your questions and a wealth of free resources, including live workshops, video courses, written guides, and more.

Love how you spend and celebrate how you save. YNAB and its simple set of habits will help you spend purposefully, save aspirationally, and even give generously.

How do you want to spend your money, or more importantly, your life?

Free for 30 Days, Then Monthly or Annual Subscriptions Available

You Need A Budget UK Limited is acting as an agent of TrueLayer, who is providing the regulated Account Information Service, and is authorized by the Financial Conduct Authority under the Electronic Money Regulations 2011 (Firm Reference Number: 901096)