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Do Money Differently.

Enjoy guilt-free spending and effortless saving with a friendly, flexible method for managing your finances.

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Teaching millions to spend, save, and live joyfully since 2004

TrustScore 4.7
1,770 Reviews
Featured by Apple
February 2024
App Reviews
4.6 Average
82K Reviews

Four rules for less money stress

Gain clarity and confidence with four simple-but-life-changing rules. The magic isn’t in the math—it’s in the method.


Give Every Dollar a Job

What do you want your money to do before you get paid again? Give each dollar a job to see your plan clearly. It’s amazing.

Embrace Your True Expenses

Non-monthly expenses like car repairs and holiday shopping are a fact of life. Break these down into smaller monthly chunks.

Roll with the Punches

There’s no such thing as a normal month. Be flexible. When life changes, change your spending plan with it. No guilt necessary—it’s your money!

Age Your Money

Wouldn’t it be great if you could use last month’s pay for this month’s bills? You’d always be ahead. Trust us, it’ll feel real nice.

How YNAB works

Sign up for free

Start your journey with a 34-day trial. It’s easy—no credit card or commitment required.

Make a money plan

Add your accounts and expenses, set savings targets, and share your plan with loved ones.

Enjoy less stress

Start feeling confident, content, and secure in your financial life. You might even sleep better.

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The average YNABer saves $600 in 2 months and $6,000 their first year

And we don’t like to play favorites or anything, but you seem well above average to us. Are you ready to be our next success story?

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I took the plunge and am loving it!

It’s increased my personal financial awareness and has helped my partner and I budget for some amazing purchases.

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Managing money together has been life-changing

YNAB has allowed us to experience a peace around money that I don’t think I ever thought was possible.

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I stress so much less when unexpected things come up

Now we're modeling good financial choices for our kids so that they can head into adulthood with a much better understanding of managing money.

We don’t like to brag… so we let others do it for us.

From social media mentions to coverage on major media outlets, we get a lot of (good) attention. And we love that for us.