YNAB, or You Need a Budget, is a budgeting app that aims to help users change their relationship with money. It offers an all-in-one solution for managing finances, acting as an expense manager, bill organizer, financial planner, debt demolisher, net worth tracker, and goal setting tool. The app is based on a simple and proven method for managing finances, and has taught millions of people to take control of their money. With YNAB, users can gain a big-picture perspective of their finances, allowing them to spend intentionally on the things that matter to them.

The app offers several key features to help users manage their finances effectively. Subscription sharing allows up to six people to share budgets at no extra cost, making it convenient for families or close-knit groups. The loan planner feature helps users tackle debt by calculating the time and interest saved with every extra dollar paid. Expense tracking allows users to view changes to their budget in real time, simplifying the process of sharing finances with a partner. Goal setting allows users to turn their dreams into categories, set spending targets, and visualize their progress.

YNAB also emphasizes privacy protection, assuring users that their data will not be sold and that there are no in-app ads or recommended products. The app offers resources such as an award-winning customer support team, live workshops, video courses, and written guides to assist users in their financial journey. YNAB offers a one-month free trial and is available through monthly or annual subscriptions.