What’s New

Ever wondered what it actually costs to live your life each month? Now you don’t have to guess. With edit plan, you’ll see exactly what a month of you costs. YNAB will now add up all your targets—and display the total stacked up against your expected income.

This number will be your new best friend, especially if you’re planning a move, considering a career change, adjusting your lifestyle, or just curious about your monthly margin. Plus, we didn’t stop there: we’ve also added suggested amounts for your targets based on your past spending. (Yeah, we’re fancy like that.)

To find it, just hop into Edit Plan, enter your expected income, and see the magic happen. Don’t just stroll over to check it out—RUN. 

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For ages, YNABers have wanted to proudly show off their spendfulness plans to friends, family members, and unsuspecting baristas. One little snag: giving someone a grand tour of your YNAB setup also meant revealing your balances. Fret no more. A veil of privacy is now upon us! 

Introducing Hide Amounts! Now you can proudly showcase your YNAB without compromising your financial privacy—your important numbers will just be little dots. Teach a friend, swap category ideas, and take pride in sharing your up-and-to-the-right net worth chart—with no numbers bared.

Hey, Europe! Great news—we've added a new direct importer provider (Plaid) for connections across the pond. That means YNAB can now automatically import transactions from more banks in more countries across Europe. Broader coverage means more up-to-date information at your fingertips so you can spend more confidently than ever. Cheers to that!

We all know that cash and credit spending are different, so now those two account types are separated in the Accounts area. Cash accounts like checking accounts, savings accounts, and, well, actual cash are grouped together and credit accounts like credit cards and lines of credit are grouped separately. Like oil and water, square pegs and round holes, or pineapple and pizza, some things don't go together.

Did you know you can share your YNAB subscription with up to five loved ones? (Or maybe four loved ones and your financial advisor. Balance, right?) Now, all members of your YNAB Together group can share one referral link to invite a friend. When they subscribe, you'll both earn a free month. Win-win!

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Cover overspending faster than you can say "slider toggle." With this update, now you can move money between categories in one swift motion on your iPhone, because we’re all about fewer taps and more control. And we also love a good green-bubble dopamine rush when we get a category back on track.

Introducing YNAB Templates, the “why didn’t we think of this sooner?” tool for simplifying the financial side of life’s biggest moments. Whether you’re planning a wedding, prepping for a new baby, or giving your home a facelift, our pre-built templates take all the guesswork out of making a plan. Head over to the Templates Gallery to spark some inspiration, get organized, and maybe even dream a little dream…and turn it into a real plan in your YNAB.  

Why You’ll Love It:

• Pre-built Templates: Perfect plans for major life events (and the curveballs that come with them!)
• Customizable: Tweak and tailor every template to fit your life, your money, and your goals.
• Seamless Integration: Import templates right into YNAB without messing up your current YNAB plan—no overwriting, no stress!
• Help Your Crew: Planning a party or big event with friends and family? Share a template link and give them an easy-peasy, stress-free way to get organized!

Raise your glass, life’s big moments just got a little bit easier.

Spending Breakdown has made its colorful entrance in the web app! It has replaced the Spending Totals report but kept all of the same functionality.

There are also some new upgrades:

• Toggle between categories and category groups, to reflect on your spending at different levels.
• See the breakdown by category or group as a percentage, making it crystal clear how your spending priorities compare to one another.
• Check out the new look for Net Worth and Spending Trends.

Welcome to the Reflect tab! Spending money has never been this fun. Picture your new Spending Breakdown like a closet that’s just been reorganized. Suddenly, you might notice an overabundance of blue collared shirts, but only a single pair of jeans. Likewise, with the Spending Breakdown, you might notice a glut of home expenses but the date night category spending is looking surprisingly light. With these insights, you might buy a few less things on Amazon this month, or immediately schedule that much-needed date night. This playful view helps you tweak your plan and actions to find the perfect balance

We’ve also renamed the Reports tab to Reflect to capture the heart of what we want for you in YNAB. Just like a quick smile in the mirror shows you if you have chia seeds stuck in your teeth, reflecting on your spending helps you see where your money is going and make adjustments if needed.

We hope this fun space gives you the tools you need for thoughtful reflection!

Tired of mousing your way around YNAB? Looking for ways to update your spending plan in record time? Look no further! We’ve just added a full suite of keyboard shortcuts to YNAB on the web. If there’s a shortcut available for the action you’re taking, this handy-dandy notation will appear (check out the full list in Settings). Pretty soon, you’ll be YNABing like a cyber whiz from a 90s hacker movie!