YNAB

The existence of a free lunch is debatable, but the YNAB app is FREE for all college students (really).

We’re on a mission to build a better blueprint for spending and saving. Check out our full suite of features to bring you total control of your money.

YNAB is available for Web, Mobile - iOS (iPhone and iPad) & Android, and Apple Watch. Start using YNAB today!

Ready-made and easy to modify templates from YNAB.

Have ADHD? Worried about money? Get YNAB, get good at money, and never worry about money again. Start with a free one-month trial!

Check out the best money stories around. You'll laugh, you'll cry, and you'll learn how to fund a future that you'll love to live.

Want to curl up and read everything there is to read about money? Our guides are the long and the long of it, and you’ll be mastering your money in no time!

Join a live Payday Hangout and assign your money alongside fellow YNABers. We'll periodically host other live events to explore new features.

See who's talking about YNAB!

Want to partner with YNAB? Please fill out the form to get in touch and share your idea.

If you are interested in reviewing, writing about, or have questions about YNAB, we’d love to chat!

Work that matters. At YNAB, we are intentional about creating an environment where everyone gets to do important work they love.

Try our app for free: no commitment, no credit card on file, no risk of getting charged for a forgotten cancellation.

On average, new YNABers save $600 their first two months, and more than $6,000 their first year. Imagine how much you could save!

Never worry about money again. YNAB teaches you to budget better than spreadsheets. Get out of debt, save more, and achieve your financial goals. Try 34 days free.

Hi! I am Abby Hart. I help clients build simple, personalized financial systems using YNAB so they can feel more organized, confident and in control of their money. My coaching focuses on practical strategies, habit building and creating routines that work in everyday life.

Coach, hand holder, real human person.

Your money should support your life, not stress it. If you're building a life you love, but the money side feels chaotic, heavy or just permanently on the back burner, that's where I come in. I help business owners and professionals get financially organized, mentally clear and back in control.

I enjoy helping clients define their budget and know where their money goes. Over 12 years ago, YNAB helped my family get out of debt, pay for university without student loans, and buy our first house. It also helped us raise financially mature young adults. Let’s chat…

YNAB is driven by a small (but growing!), passionate team dedicated to changing lives by teaching people to get good at money.

You’ll fit right in at YNAB if you like our core value manifesto.

Here’s the story of how we have taught millions to spend, save, and give joyfully since 2004.

Looking for one-on-one help with a certified YNAB coach? You’re in the right place! Get hands-on help and change your relationship with money.

Need help about YNAB, finances, or the art of money management? We've got everything you could possible need to take control of your finances.

Have you ever worried about money? You're not alone. Download YNAB, get good at money, and never worry about money again.

In some cases we may use cookies to collect personal information, or that becomes personal information if we combine it with other information.

At YNAB, we respect your privacy and are committed to protecting it. Every company has a privacy policy, but when it comes right down to it, we want you to understand how we protect your privacy and to know what data we collect and how we use it. So let’s get to it.

How YNAB protects your data: encryption, read-only bank connections, and strict internal access. We're funded by subscriptions, not by selling data.

This U.S. State Privacy Notice supplements our Privacy Policy and provides additional information for residents of states with comprehensive consumer privacy laws.

To ensure that YNAB remains a safe, positive, and respectful space for all users, we’ve established the following guidelines for uploading photos alongside your transactions.

At YNAB, we have seven core values. Any code of ethics that we expect of a YNAB coach has to start with these.

If you are a user having your usual residence in the United States or anywhere else outside of the United Kingdom, Switzerland, or EEA, the following Terms of Service shall apply.

Thank you for your interest in the YNAB Certified Coaching Program (the “Program”)! The Program is offered by You Need A Budget LLC (“Company”, “we” or “us”) and is governed by the terms and conditions on this page