YNAB Evaluate | The Best Paid Budgeting Software


If you may’t work out the place your cash goes, you want a funds! YNAB, an acronym for You Need A Budget, is an app that “provides each greenback a job” so that you could make every greenback give you the results you want.

Just fill out the classes, and also you’re able to go!

Think you DON’T want a funds? Think once more. According The Associated Press-NORC Center for Public Affairs Research, 66% of Americans would have hassle arising with $1,000 for an sudden expense as a result of they don’t have an emergency fund.

The research additional reveals that households with earnings above $100,000 would nonetheless have hassle arising with $1,000 for an emergency.

See why we rank YNAB as among the best budgeting apps and software program instruments accessible at this time!


  • YNAB is a job-based budgeting app
  • Raving followers and robust group assist make understanding the app simple
  • Is comparatively costly in comparison with different choices

You Need A Budget (YNAB) Details

$14.99/month or $98.99/yr

Web, iOS, Android, iPad, Apple Watch, Alexa

Free yr of YNAB for faculty college students

What Is You Need A Budget (YNAB)?

Best Of 2022 Award

YNAB means that you can automate your funds. This is the proper alternative if you’re searching for a system that solely focuses on budgeting reasonably than investing and different bells and whistles.

With YNAB, you may take care of debt and set priorities for upcoming bills and different monetary targets. 

If you comply with the “YNAB Rules”, you will notice enchancment in your spending, spend lower than you earn, and be prepared to avoid wasting for the long run. The objective is to cowl this month’s bills with final month’s earnings.

This course of known as “ageing your cash”, the place your cash must be not less than 30 days previous earlier than you may spend it. 

Plus, we named YNAB one among our Editor’s Picks for the Best Budgeting Software for 2022.

How Does It Work?

YNAB’s Four Rules are the constructing blocks that will help you stay inside your means. If you comply with these steps, it is possible for you to to avoid wasting effectively, get out of debt, and most significantly, cease dwelling paycheck to paycheck.

  • Rule #1 is “Give Every Dollar a Job.” Each greenback must be used for a sure expense. Rather than spending on no matter comes your manner, you’ll have extra group and order together with your spending. 
  • Rule #2 is “Embrace Your True Expenses.” Most folks say that they had bills that simply “got here up”, however the reality is that many of those bills must be anticipated, equivalent to holidays, birthdays and holidays. YNAB advocates budgeting cash for these bills and allocating funds to pay for them on a month-to-month foundation.
  • Rule #3 is “Roll With The Punches.” Certain bills will catch you off guard. You’ll even have sure months the place you overspend in sure classes. When this stuff occur, YNAB encourages you to only transfer cash from one class to a different and preserve going. Don’t let small setbacks get you off monitor – preserve the momentum going!
  • Rule #4 is “Age Your Money.” When you spend cash that you just earned final month, you’ll have this month’s earnings to roll ahead to the subsequent 30 days. You won’t stress when there are delays together with your money movement. To efficiently “age your cash”, try to be spending cash that’s not less than 30 days previous. 

The YNAB web site additionally affords stay on-line programs for members, together with guides and weblog posts that cowl transitions, long run planning, and coping with debt. Here’s a more in-depth take a look at how YNAB works and its prime options.

Comprehensive And User-Friendly Budgeting Tools

YNAB takes a easy strategy to organising your funds – simply join all your accounts and begin budgeting. All you should know is how a lot you’ve proper now, and the way you intend to spend your cash till you receives a commission once more.

When you apply the idea of “ageing your cash,” you may start to interrupt the viscous cycle of dwelling paycheck to paycheck. 

Category Customization

YNAB automates your spending whereas letting you customise your classes, budgeted quantities, the names and order of all classes. You could make guide entries and simply create class teams.

With YNAB’s safe account linking, it is a lot simpler to import your transactions. If you join your accounts, YNAB will analyze your spending habits, and even guess classes for you. If transactions are daring, which means they’re new, and haven’t been categorized but.

Rather than simply assigning classes like Mint, YNAB provides you urged classes, and also you overview and approve. This forces you to know what is going on on together with your cash. And it’ll additionally assist you to rapidly determine and report any fraudulent exercise in your accounts. 

If you overspend in a single class, that could be an indication that you should funds more cash for that class. If you’ve more money in a single class, you may transfer it to a different class. Move it to a class for leisure, use it to pay down debt, or roll it over to the subsequent month.

Split Transactions For Laser-Focused Budgeting

On that notice, if you happen to go to Target and purchase a bunch of things that fall beneath completely different classes, you may even cut up transactions. If you went to Target and purchased groceries, energy instruments and wonder merchandise, you may simply cut up the transactions by class. 

Accurate Starting Balance

Whether you’re going to make use of the software program manually or join it to your accounts, you simply begin with no matter sum of money you’ve proper now, and go from there. Say you’ve $225.00 in your checking account, then $225.00 is the quantity you’ll begin out with to allocate your bills. 

If you funds more cash than you’ve, it’ll flip pink.

Link All Your Financial Accounts

YNAB affords the choice to securely join all your financial institution and bank card accounts, or enter all the pieces manually. Then, all you must do is import your transactions into funds classes.

Note that YNAB is admittedly solely designed to work out-of-the-box with financial institution accounts. There are technically two methods to trace investments with YNAB, however each choices take a good bit of labor. If you desire a extra seamless answer, you could wish to take a look at one among these portfolio trackers as a substitute.

Set Up Sinking Funds

With YNAB, you may arrange a sinking fund and by no means be careworn about bigger bills once more. What is a sinking fund? It’s much like a “wet day” fund, besides you might be setting apart cash for a big future expense, whether or not the precise quantity or not.

You may have a sinking fund for issues as small as renewing your annual $258 automobile registration. Just add a class for automobile registration, funds $21.50 for every month, and also you’re set! 

Auto Assign
The “Auto Assign” instrument helps you fill in your new month-to-month funds rapidly. There are 5 choices to decide on if you happen to’re desirous to mechanically assign funds to classes: Underfunded, Assigned Last Month, Spent Last Month, Average Assigned, and Average Spent.

Auto Assign YNAB

Wide Platform Availability

In addition to being accessible on the net, YNAB has a cell app on the App Store and Google Play retailer. You can use the identical login credentials that you just do for the desktop model. And all the pieces that you are able to do on the net platform, may also be finished on the cell apps.

In addition to accessing your funds in your telephone, you may also get YNAB on iPad, Apple Watch, and even on Alexa units.

Blog And Forum

YNAB has a number of detailed weblog posts and subjects which might be up to date often. They focus on habits, conduct, and different mindset shifts wanted to stay to your funds. 

If you wish to see how different individuals are utilizing YNAB, additionally, you will have entry to different YNAB customers who share their budgeting methods, questions, and useful suggestions. Get assist and encouragement from different YNAB customers, and share your tales within the discussion board.

How Much Does It Cost?

Priced at $14.99 per 30 days or $98.99 per yr, YNAB provides you with a excessive return on funding if you see how a lot you save with this budgeting program. YNAB affords a 34-day free trial so that you could see for your self if it’s a good selection. The better part? They don’t even ask to your bank card info!

YNAB is at the moment giving faculty college students a free yr of use. All you must do to say your free yr is to supply “proof of student-hood” equivalent to a university ID, tuition assertion, or transcript. This scholar deal is simply good for one yr of free membership. But if you happen to determine to proceed utilizing YNAB after you free yr is up, you will get a one-time 10% low cost on the annual plan.

How Does YNAB Compare?

YNAB is likely to be essentially the most highly effective budgeting instrument available on the market at this time. But that does not essentially imply that it will likely be one of the best match for everybody.

For instance, if you happen to’re an enormous fan of Dave Ramsey and his Baby Steps monetary course of, EveryDollar could also be a greater budgeting choice for you. And if you happen to’re searching for an app that mixes primary budgeting instruments with in-depth monitoring and evaluation of your investments, you would possibly wish to give Personal Capital a strive. 

Check out this fast chart to see how YNAB compares:

How Do I Open An Account?

You can get began with YNAB by visiting its web site and clicking the large yellow “Start Your Free Trial” button. You’ll solely want to supply an e-mail deal with and password to open an account. Or you need to use your Apple or Google credentials to create a YNAB account and log in.

YNAB account opening process

Is It Safe And Secure?

Yes, YNAB doesn’t fiddle relating to safety. Since your monetary information is within the software program and app, you may relaxation assured that information is encrypted and so they use a number of iterations of a key by-product operate for passwords. Also, if you terminate your account, your information is wiped from their system.

How Do I Contact YNAB?

For easy how-to questions, you may search YNAB’s detailed assist middle for easy-to-understand explanations, fast video tutorials, or podcast tutorials. You can even browse the YNAB discussion board or submit a inquiries to the group.

If you want additional assist, you may ship a message to YNAB buyer assist by clicking on the query mark within the nook. However, there isn’t a printed customer support telephone quantity to name.

Is It Worth It?

If you might be having hassle sticking to a funds, and you end up in debt with little financial savings, YNAB will assist you get sensible about your cash and get again on monitor.

Most folks don’t have the self-discipline to funds with out some additional assist. Take benefit of the 34-day free trial and provides it an trustworthy strive. We do not suppose you will be disillusioned.


Here are just a few of the questions that folks ask most incessantly about YNAB:

Does YNAB supply Direct Import in Europe?

Not but. But the YNAB group introduced in February 2021 that Direct Import assist could be coming to the UK very quickly and that it hoped the remainder of the EU would not be far behind.

Can you scan receipts into YNAB?

No, nonetheless its builders have acknowledged that it is a highly-requested and it seems that they hope so as to add this performance sooner or later.

Does YNAB use Plaid to sync transactions from monetary establishments? 

Yes, however not completely. It additionally works with two extra monetary information aggregation specialists: MX and TrueLayer.

Is YNAB free for faculty college students?

Yes, for one full yr. You can declare your free yr by importing a “proof of faculty student-hood,” equivalent to a scholar ID.

YNAB Features

Yes, QFX and OFX (really useful), QIF, or CSV

Support tickets, Help Center, Community Forum

Web, iOS, Android, iPad, Apple Watch, Alexa

Free yr of YNAB for faculty college students


Please enter your comment!
Please enter your name here