# YNAB

> YNAB is a subscription personal finance software company that pairs zero-based budgeting with financial education. Its web and mobile apps help individuals and households assign available money to priorities, prepare for irregular expenses, track spending and savings, and plan debt repayment.

- **Founded:** 2004
- **Headquarters:** Lehi, United States
- **Founders:** Jesse Mecham (Founder; former CEO), Taylor Brown (Co-founder; CTO)
- **Products:** YNAB, YNAB Together, Financial Wellness by YNAB, YNAB API, YNAB Certified Coaching
- **Notable:** Built a budgeting software and education business without venture capital, according to Jesse Mecham in August 2026., Introduced a public API and official language clients for integrations., Company-reported lifetime reach of millions; current paid users are not disclosed.

## Products & services

- **YNAB** — Subscription web, iOS and Android software for allocating available money, tracking transactions, setting savings targets, reporting and planning debt payoff; $109 annually or $14.99 monthly before tax as checked in October 2026.
- **YNAB Together** — Subscription sharing for a group of up to six people, included in the standard price.
- **Financial Wellness by YNAB** — Employer-sponsored app access with financial education and program rollout support; published price of $109 per employee per year.
- **YNAB API** — REST API for community and third-party integrations, with official client libraries.
- **YNAB Certified Coaching** — Training and certification program and directory of coaches; individual coaching arrangements vary.
- **College Program** — One free year for verified college students.
- **Financial education** — Guides, live learning sessions, videos and podcasts explaining spending plans and money habits.

## Achievements

- Built a budgeting software and education business without venture capital, according to Jesse Mecham in August 2026.
- Introduced a public API and official language clients for integrations.
- Company-reported lifetime reach of millions; current paid users are not disclosed.

## Latest updates

- **2026-10** — Changed credit-card interest handling so interest does not appear as an ordinary underfunded spending category.
- **2026-09** — Extended referred friends’ trials to six weeks.
- **2026-09** — Introduced swipe-based Card Mode for transaction review.
- **2026-09** — Added Plan Reset to reallocate available money without starting a spending plan over.
- **2026-09** — Added a built-in CSV converter and improved file-import categorization.

## Links

- Website: https://www.ynab.com/
- LinkedIn: https://www.linkedin.com/company/ynab
- Twitter/X: https://x.com/ynab
- GitHub: https://github.com/ynab
- YouTube: https://www.youtube.com/@YNABofficial
- Instagram: https://www.instagram.com/ynab.official/
- Facebook: https://www.facebook.com/ynabofficial
- TikTok: https://www.tiktok.com/@ynabofficial

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Profile page: https://yespress.io/ynab
Published by YesPress — https://yespress.io
Last updated: 2026-10-23