We live in a world of fast cash withdrawals and endless card swipes. Keeping your finances on a tight leash with a powerful budget is a hard task to accomplish. Budgeting apps are the answer to this issue.

Budgeting apps are no longer fancy tools, downloaded in the background of your phone's storage. Instead, they have become the prime source of managing your finances effectively. A notable name in the race for budgeting apps is the YNAB budgeting app.

YNAB Budget App Full Review

If you are wondering, what is YNAB, let us answer you.

YNAB Budget App

YNAB budget app is one of those powerful tools and platforms that can help you in budgeting through the envelope method. 

This app lets users make a proper plan for every single dollar. This approach is called the ‘Zero-based Budgeting System’.

Read on to learn more about this budgeting app.

You Need a Budget App (YNAB) Features

The YNAB budgeting app can automatically sync to your bank accounts, credit cards, and other accounts when you link them to the YNAB app. You Need a Budget app is a bit different from other apps where your expenses are automatically entered. Instead, the YNAB app allows users to input information about their different expenses by themselves.

You can make different categories according to your specifications and needs. Your every dollar goes exactly where you want it to go. By setting up different categories, you ensure that every category has its required money.

When you assign a dollar to a particular category or target, you become aware of your spending choices. This way, you would not be too tempted to spend a particular amount on something other than what it is originally assigned to.

Through using the YNAB budget app, you will be able to prioritize your needs accurately. You can slowly set a routine for yourself where you will follow a strict budget and avoid overspending.

How the YNAB Budget App Can Benefit You?

YNAB budget app helps users become conscious of their spending choices and expenses. When you allocate your money to different types of categories and expenses, you become extremely mindful about where you are spending your money. This helps in keeping track of your money and it will be easy for anyone to pay off their debts.

By using the YNAB app, you can save a lot of money because it will keep you in line to not overspend. With countless educational resources such as articles, budgeting bogs, and exceptional customer support, the YNAB budget app provides you with a great opportunity to spend and manage your money.

A prominent feature of the YNAB budget app is that it offers 100+ free live online workshops every week by professional and skilled teachers. These workshops are quite short, almost 20 minutes long, and provide courses on different topics such as “getting started,” “Debit and Credit Cards”, “Building Savings” etc.

Keep your Finances Safe with the YNAB Budget App

The YNAB budget app has high-security features that include but are not limited to encrypted data. The YNAB app sends you codes to access your personal information. They also use only the best and most reputable data centers to ensure that they are not compromising on the safety of their users’ data.

You Need a Budget app is an excellent app that safeguards the sensitive data of users. It provides a platform for people to manage their finances while keeping their data safe.

YNAB Pricing Plan

The YNAB budget app is a little more pricey than its competitors and alternatives. This app costs $11.99 per month or $84 per year. This is a high-end option than other options but it will save you a lot of money if you buy the annual subscription.

The YNAB app offers a free 34-day trial so you can easily and thoroughly try the app before you buy the app.

Students, especially get 12 months free of the app if they provide their transcript, student ID, or tuition statement. If you are a student, you will benefit a lot from the YNAB pricing and that is too, for free. In case you like the free trial, you can later get the premium version.

Any You Need a Budget app review will tell you that it is one of the best budgeting apps that will help you effectively budget your finances.

You Need a Budget App - Availability & User-Ratings

The YNAB budget app is available for iOS users as well as Android users. It is highly compatible with multiple devices which provides users ease of use while they are interacting with the app on different devices.

The YNAB has a rating of 4.8 stars out of 5 and 15.2K reviews on the Google Play Store.

The YNAB app has a rating of 4.8 out of 5 with over 46.5K ratings on the Apple Store.

The reviews and ratings are enough to convince you of the performance of the YNAB budget app.

Should You Use YNAB Budget App?

You Need a Budget app simply outperforms every other budgeting app available in the market today. Budgeting is not only about saving money but also about spending it consciously and the zero-based budgeting approach of the YNAB app allows users to do exactly that.

Check out our 5 Best Expense Tracker App of 2024 here.


How does the YNAB budget app work?

The YNAB budget app is made up of 4 key principles. Assign every dollar to a purpose, Accept your needed expenses, adjust your budget as per requirements, and Use the earned money after at least 30 days. This way, users can spend their money cleverly and make informed financial decisions for the future.

Is the YNAB budget app suitable for me if I'm in debt?

Yes. The YNAB budget app is extremely useful for anyone who is in debt. The app helps users in allocating money to debt payments and stay on track, financially.

Is YNAB a subscription-based service or is YNAB free?

The You Need a Budget app works on a subscription model which offers a free trial period. After the free trial period is over, users have to subscribe to the app to use it.

How secure is my financial data on YNAB?

The YNAB budget app has powerful security features that safeguard the sensitive data of the users. They use industry-standard security practices to protect your data.

Does YNAB offer educational resources?

YNAB has different educational resources like budgeting blogs, video tutorials, and live workshops. They help users understand the app easily.