YNAB tree logoAustralian flag
It looks like you're located in Australia.
We have an Australian version of our website.

Please confirm your location and we’ll send you to the appropriate site!

Mindful spending. Joyful living.

Fund your future with confidence and clarity.

It’s easy! No credit card required.
A woman on vacation standing in front of a castle
It’s easy! No credit card required.
“With YNAB, I went from a scarcity mindset to an abundance mindset. By spending within my categories I now have the freedom to enjoy spending instead of fearing it.”  –Deanna

What makes YNAB different?

YNAB is more than an app—It’s built around the life-changing method that has inspired millions to spend, save, and live joyfully.

The YNAB web app shown on a laptop that's sitting on a counter with a mug of coffee

5 ways to get YNAB for free

Did you know there are a bunch of ways you could possibly get YNAB for free? It’s true. In addition to the free trial, there are people using YNAB for free all over the world, and you could be one of them!

The YNAB tree bursting out of a green gift box