YNAB AI is an AI-augmented budgeting companion built on the trusted YNAB methodology—offering predictive insights, intelligent categorization, goal forecasts, and conversational guidance.

Budget smarter with AI that categorizes your spend, predicts upcoming needs, and guides your budgeting decisions—all using YNAB’s trusted methodology.

YNAB AI adds machine learning to core budgeting. It suggests how to allocate budgets based on historical spending, automatically categorizes imported bank transactions, forecasts “True Expenses”, and helps you stay in control through conversational insights like “How much can I spend on groceries this week?”. Backed by YNAB's four-rule approach, it unites proven financial habits with AI assistance.

Core Features & Capabilities

Built for individuals and families who appreciate YNAB’s philosophy—but want smarter, data-driven assistance—YNAB AI provides precision and foresight without sacrificing simplicity.

• Auto-categorize expenses using AI versus manual entry
• Forecast future costs and True Expenses based on past trends
• Receive money allocation suggestions aligned to goals
• Ask budgeting questions in natural language
• Analyze spending behaviors with AI-generated insights
• Embed AI into YNAB rules: Give Every Dollar a Job

Why Users Trust YNAB AI

Enable AI in your YNAB workspace. The AI will suggest category budgets, auto-tag transactions, predict upcoming True Expenses, and answer questions. You can adjust AI insights, and they’ll learn from your feedback over time.

“YNAB AI feels like a coach and accountant married—guiding your budget and helping you spend intentionally.”

Getting Started with YNAB AI

By combining AI with YNAB’s structure, YNAB AI equips users to manage money proactively—keeping financial wellness both intentional and accessible.