YNAB

Give Every Dollar a Job

YNAB's core method asks you to assign a purpose to every dollar you have, creating a flexible plan for your money before you spend it. This helps you prioritize what matters most and avoid the stress of unplanned spending.

90% of users say their finances are in a better place since starting YNAB, and 92% feel less money stress.

Connect and Track All Accounts

Connect all of your accounts and track them in one place. YNAB imports transactions and syncs across devices in real time, so you always know your account balances, priorities, goals, and transactions wherever you go.

See your complete financial picture at a glance and stay on top of every dollar.

Set Saving Goals and Track Progress

Use YNAB's powerful target-setting features to prioritize spending and savings goals. You can set specific targets and watch your progress at a glance, keeping you motivated and on track.

The average user saves $600 in their first month and $6,000 in their first year.

Demolish Debt with Integrated Tools

YNAB includes debt management features, such as an integrated loan calculator, to help you create a plan to tackle debt. You can see exactly how extra payments accelerate your payoff and stay focused on becoming debt-free.

Users report paying off significant debt—one user slayed $30K of debt and reclaimed their freedom.

Share Your Subscription with Up to 5 People

Share YNAB with partners, family, or close-knit groups of up to six people—all for the price of a single subscription. Everyone can manage their own budget while staying connected to shared goals.

Collaborate on finances without extra cost, making it easier to achieve shared financial goals.

Available on Web and Mobile with Real-Time Sync

YNAB works across devices with real-time syncing, so you can check balances, update transactions, and review your budget from anywhere. The app has a 4.7 average rating from over 102,000 reviews.

Stay in control of your money anytime, anywhere, with a highly rated, user-friendly app.

• Proven Results92% of YNAB users feel less stressed since starting, and the average user saves $600 in their first month and $6,000 in their first year. 90% say their finances are in a better place, and 93% have recommended YNAB to friends or family.
• 34-Day Free TrialTry YNAB free for 34 days with no credit card required. You'll get a reminder before your trial ends, and you won't be charged unless you subscribe. If you sign up directly through YNAB, you don't need to provide credit card information for the trial.
• Affordable PricingYNAB offers an Annual Plan at $109 USD per year (about $9.08 per month) and a Monthly Plan at $14.99 USD per month, plus tax where applicable. That's about 30 cents a day for the annual plan.
• Share with Up to 6 PeopleYour YNAB subscription can be shared with partners, family, or close-knit groups of up to six people—all for the price of a single subscription. This makes it a cost-effective solution for households.

• User Statistics Are Self-ReportedThe statistics on YNAB's website (e.g., 92% feel less stressed, 90% say finances are better, 70% could live on savings for 3+ months) are based on survey responses from YNAB users. They are not independently verified.
• Pricing May Vary by RegionPricing shown is in USD and may be subject to applicable taxes. YNAB also has an Australian version of its website, so pricing and availability may differ for users in other countries.
• Trial Terms for Third-Party App StoresIf you sign up for the free trial through a third-party app store (like Apple or Google), you may be required to provide credit card information. This is not required when signing up directly through YNAB's website.
• YNAB Is an Agent of Plaid Financial Ltd.YNAB is an agent of Plaid Financial Ltd., an authorised payment institution regulated by the Financial Conduct Authority (Firm Reference Number: 804718). Plaid provides regulated account information services through YNAB as its agent.

Make a Plan for Every Dollar

YNAB asks 'What's it for?' and helps you make a flexible plan for what you want your money to do—before spending any of it. This proactive approach ensures every dollar has a job, reducing financial uncertainty and stress.

Track Accounts and Transactions in One Place

Connect all of your accounts and track them in one place. YNAB imports transactions and lets you see account balances, priorities, goals, and transactions wherever you go with real-time syncing across devices.

Set Saving Goals and Track Progress

Prioritize spending and savings goals with YNAB's powerful target-setting features. Track your progress at a glance, helping you build savings—70% of YNABers could live for 3 months or more on savings.

Demolish Debt with a Plan

YNAB includes debt management features and an integrated loan calculator. Users like Wave slayed $30K of debt and reclaimed freedom, showing how YNAB helps you tackle debt with a future-focused plan.

Define the exact aI Finance & Trading Tools workflow YNAB should support.

Compare it with closely related AI tools in the same category before committing.

Set review rules for accuracy, privacy, brand voice, compliance, and final approval.

Connect useful outputs to the wider stack instead of leaving them inside the AI tool.