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*YNAB Pro (Nov 2006)
*YNAB Pro (Nov 2006)
*YNAB 3 (Dec 2009)
*YNAB 3 (Dec 2009)
*YNAB 4 (Jun 2012-2019)<ref>{{Cite web |author= |title=YNAB 4 Support Ends October 2019 |url=https://www.ynab.com/blog/ynab-4-support-will-end-october-2019 |website=[[YNAB]] |date=11 Sep 2019 |access-date=16 Apr 2026 |url-status=live |archive-url=https://web.archive.org/web/20260416034125/https://www.ynab.com/blog/ynab-4-support-will-end-october-2019 |archive-date=16 Apr 2026}}</ref>
*YNAB 4 (Jun 2012 - Oct 2019)<ref>{{Cite web |author= |title=YNAB 4 Support Ends October 2019 |url=https://www.ynab.com/blog/ynab-4-support-will-end-october-2019 |website=[[YNAB]] |date=11 Sep 2019 |access-date=16 Apr 2026 |url-status=live |archive-url=https://web.archive.org/web/20260416034125/https://www.ynab.com/blog/ynab-4-support-will-end-october-2019 |archive-date=16 Apr 2026}}</ref>


==See also==
==See also==

Revision as of 03:49, 16 April 2026

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You Need A Budget
Basic information
Founded 2004
Legal Structure LLC
Industry Finance, Fintech, Financial Technology
Also known as
Official website https://www.ynab.com/

Founded in 2004 by Jesse Mecham, You Need A Budget (YNAB) is an online SaaS company that provides personal budgeting software that follows an envelope methodology.

Consumer impact summary

Overview of concerns that arise from the conduct towards users of the product (if applicable):

  • User freedom
  • User privacy
  • Business model
  • Market control

Add your text below this box. Once this section is complete, delete this box by clicking on it and pressing backspace.


Incidents

This is a list of all consumer-protection incidents this company is involved in. Any incidents not mentioned here can be found in the You Need A Budget category.

Forced arbitration clause update to ToS (April 2026)

On April 9th, 2026, YNAB made updates to their Terms of Service, which included a forced arbitration clause stipulating a 30-day window to opt out after accepting the terms by emailing YNAB's legal support email address.[1] An email outlining the new changes was sent to existing users on the 13th, prompting some users to post and discuss the included arbitration notice on the "r/ynab" community forum on Reddit. The notice read:

YNAB Email's ToS update notice
YNAB Email's notice of mandatory arbitration update to ToS

Dispute resolution: In our Terms of Service, we're moving to arbitration for dispute resolution. This means if we ever have a legal disagreement, it would be resolved by a neutral arbitrator instead of a court or jury, and we'd each bring claims individually rather than as part of a class action. If you prefer to keep your right to go to court, you can opt out by emailing [email protected] within 30 days. Opting out won't affect your account or service in any way.[2][3]

A forced arbitration clause was not included in YNAB's Terms of Service exclusive to the United Kingdom, Switzerland, and EEA territories, also updated on April 9th.[4]

Products

nYNAB App Lineup[5]
  • YNAB for Web
  • YNAB for iPhone
  • YNAB for Android
  • YNAB for Apple Watch
  • YNAB API
  • YNAB Zapier integration
Pre-nYNAB Apps[6]
  • YNAB Excel spreadsheet (Sep 2004)
  • YNAB Pro (Nov 2006)
  • YNAB 3 (Dec 2009)
  • YNAB 4 (Jun 2012 - Oct 2019)[7]

See also

References

  1. ↑ "YNAB Terms of Service". You Need A Budget. 2026-04-09. Archived from the original on 2026-04-15. Retrieved 2026-04-15.
  2. ↑ u/samebutanon (2026-04-13). "Gross, but typical changes to T's & C's". Reddit. Archived from the original on 2026-04-15. Retrieved 2026-04-15.
  3. ↑ u/discostu- (2026-04-13). "Opt out of binding arbitration within next 30 days". Reddit. Archived from the original on 2026-04-15. Retrieved 2026-04-15.
  4. ↑ "YNAB Terms of Service (UK, Switzerland, EEA)". You Need A Budget. 2026-04-09. Archived from the original on 2026-04-15. Retrieved 2026-04-15.
  5. ↑ "The YNAB Lineup". YNAB. Archived from the original on 16 Apr 2026. Retrieved 16 Apr 2026.
  6. ↑ "Timeline | YNAB". YNAB. Archived from the original on 16 Apr 2026. Retrieved 16 Apr 2026.
  7. ↑ "YNAB 4 Support Ends October 2019". YNAB. 11 Sep 2019. Archived from the original on 16 Apr 2026. Retrieved 16 Apr 2026.
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