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YNAB

Connects your banks, rollover budgeting, shared with a partner.

$14.99/month or $109/year (34-day trial, no card)r/ynabwww.ynab.com
Download on the App StoreGet it on Google Play

Feature record

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33 of 60 recorded

Cost

2 of 3
Free tier
No
www.ynab.com
Price
$14.99/month or $109/year (34-day trial, no card)
Lifetime purchase
?

Connections

4 of 7
Account aggregation
Yes
www.ynab.com
Connectors
Plaid · MX · TrueLayer
Refresh more than daily
?
Manual accounts
Yes
Countries
US · CA
Multi-currency
?
Crypto and digital assets
?

Transactions

9 of 12
Edit transactions
Yes
Create manual transactions
Yes
Rules engine
Yes
Mass edit
Yes
Split transactions
Yes
support.ynab.com
History import
Yes
support.ynab.com
Length of history
Unlimited
Import formats
CSV · QFX · QIF
support.ynab.com
Nested categories
?
Tags
?
Receipt attachments
?

Planning

5 of 9
Budgeting
Yes
Envelope budgeting
?
Rollover budgeting
Yes
support.ynab.com
Recurring transactions
Yes
support.ynab.com
Bills
?
Goal tracking
Yes
www.ynab.com
Debt payoff planning
Yes
www.ynab.com
Cash-flow forecasting
?
Cancel subscriptions
?

Wealth

3 of 5
Net worth
Yes
www.ynab.com
Balance history import
Yes
Investment tracking
?
Investment transactions
?
Real estate
No

Insight

2 of 4
Reports
Yes
www.ynab.com
Trends
Yes
www.ynab.com
Credit scores
?
Alerts
?

Sharing

1 of 3
Partner or household
Yes
www.ynab.com
Adviser access
?
Business or rental separation
?

Platforms

4 of 4
Interfaces
Web · iOS · Android
Full mobile app
Yes
www.ynab.com
Home-screen widgets
Yes
www.ynab.com
Offline access
Yes
www.ynab.com

Trust

1 of 7
SOC 2
?
2FA / MFA
Yes
www.ynab.com
Sells or shares your data
?
Read-only bank connections
?
Data held by
?
Self-hosting
?
Open source
?

Extending

2 of 4
Public API
Yes
api.ynab.com
Spreadsheet sync
?
Webhooks
?
Tax export
Yes
support.ynab.com
Nothing recorded yet — 1 group, 2 attributes

Assistance

0 of 2
AI chat
?
AI categorization
?

Checked against the vendor’s own pages on 2026-09-04; 20 attributes carry the source they came from. Every “?” is a link — one field, no account.

Price history · cheapest recurring plan

2026-09-02
First recorded at $109/year

Every step is a reviewed change to the record, from the changelog; there is no nightly capture of the vendor’s pricing page. The median is the middle annual price of the 26 live listings that charge one.

What people are saying

I absolutely love this app. I literally am never stressed about money anymore. It’s addicting.App Store · 5★ · 2026-08
it has potential but unfortunately it would not connect with our bank correctly and our balance never matched what was actually in our bank account. Might be a bank connection issue or the app I am not sure. But it was very frustrating going into the app all…App Store · 2★ · 2026-08

Read and search all 300 reviews → Unedited store text; the most recent from each end of the scale.

In the news · 2 mentions in 90 days

Matched on the app’s exact name from an allowlist of 36 outlets, with a personal-finance word in the headline. Anything outside that is dropped, not published. Headlines belong to their publishers. Fetched 2026-09-08.