Overview
YNAB is a web, iOS, and Android budgeting app built around assigning available cash to categories before spending. It supports linked-account imports, targets, automatic assignment, debt planning, spending trends, net-worth reporting, and data export. It is designed for people who want an active, category-based plan. YNAB also offers a separate official ChatGPT app that searches its public articles, videos, and calculators; it does not access a user’s YNAB plan. The core product is proprietary and subscription-based, not self-hosted. An official API and developer SDKs support integrations.