Note: this post contains affiliate links. See my full disclosure here.

After testing dozens of apps for two months, we recommend Simplifi by Quicken, even with its modest cost, to both track your transactions and plan your future expenses. For those beholden to a. In the date dropdown, there's a place to put a repeating cycle (monthly, weekly, etc). Just put a future date and select the repeat cycle. The next transaction to be repeated will show up in gray at the top forever. ‎YNAB—Budget, Personal Finance, Expense Tracker YNAB will help you break the paycheck to paycheck cycle, get out of debt, and save more money. On average, new users save $600 in the first two months, and more than $6,000 in the first year. Try it free for 30 days. Key Features: Bank Synching—Easi. Enjoy the videos and music you love, upload original content, and share it all with friends, family, and the world on YouTube.

I blog a lot about household stuff – laundry, chores, how I try to be a good mom – but one of my favorite things to talk about is money and how to manage it. That’s why I’m writing today to encourage, no urge, you to take this one step (if you don’t already).

Everyone (and I mean everyone) should be tracking where their money goes. No exceptions, no excuses!

Unless you have more money than you need or want, tracking how and where you spend your money is essential.

What is the key reason to track your spending?

Knowledge is power, people!

Be brave. If you’re interested in making your money stretch farther (and who isn’t?), you’ve first got to know what you’re doing with it before you can make any real improvements. How can you resolve to attack that cell phone bill or switch to a lower rate credit card if you don’t know how much you’re spending there in the first place?

Maybe you’ll be pleasantly surprised by your frugality at the grocery store, but you discover you’re wasting an extra $30 a month in library fees. Ahem. Not that I would ever do that…

When deciding how to track your expenses, you have several options:

• low-tech – jot down purchases in a small notebook in your pocket
• software such as Quicken or You Need a Budget (affectionately known as YNAB).
• budgeting websites like Mint.com
• charge everything to one credit card
• cash envelope system This won’t really tell you specifically where you’re spending your money, but it will easily tell you how much goes to each category.

One more option: keep your receipts and tally them up at the end of the month. I have two words for this option: bad idea! Please do not think you can hang on to receipts and random notes to yourself and use this to keep track of your expenses!

Call me a budgeting bully, but if you try to do this, I promise you, you will do one of the following:

• You’ll forget to do it at all.
• When you sit down to do it, there are so many receipts, tallying them is way too much of a chore.
• You’ll probably lose a good portion of your receipts.
• If you manage to get through one month, you’ll lose momentum shortly thereafter if it’s not a more frequent habit.

Entering purchases daily or every few days using whatever system you choose is much easier to maintain than waiting until month end.

My YNAB Review

My money management choice for the last 3 years has been an application called You Need a Budget (YNAB).

How do I use YNAB to track our spending?

Most bills are on auto-pay – I have reminders in YNAB for these and approve them a couple times a week when I balance our accounts. I do this at least once a week.

It’s easy to keep track of bills with YNAB scheduled transactions.

We use the YNAB smart-phone apps (see below) when we’re on the go to record any purchases right away. This is a new habit for us. (I love my affordable phone plan.)

I love that I can take a few seconds to enter a purchase rather than having a pile of entries to make later on in the week. In YNAB it’s just a few clicks. It syncs up seamlessly with my home computer and my husband’s phone.

Unless you have more money than you need or want, tracking how and where you spend your money is essential. Fortunately, it’s an easy thing to do with the right software. See how I’m using YNAB on my smartphone to keep track of my purchases. Just a couple clicks and my bank account is kept up to date. Easy! P.S. Don’t miss the coupon at the end of this post!

I can use the YNAB app to double-check how much we’ve already spent in a budget category – this is great if we’re trying to stay under a certain amount.

I can check to see how much is left in a budget category before making a purchase. Oops – we are overspent in fees!

I use YNAB’s reconcile feature to make sure my accounts balance and that I haven’t missed any entries. I log on to our bank’s website and match up the transactions with our YNAB records.

Since we’re entering most purchases immediately, it only takes a few minutes to reconcile our accounts each week. A few clicks to match up our transactions and I’m done.

Reconciliation is so easy in YNAB – just a few clicks to match up transactions and you’re done.

YNAB has a host of other fun features.

Reporting is dreamy, especially to a numbers nerd like me, and the whole interface makes you feel that you have all your financial data at your fingertips.

YNAB reporting is completely versatile with easy drill-down into categories, payees, and dates. P.S. In case you were wondering, these are NOT my accounts 🙂

YNAB actually goes way beyond tracking your purchases – it’s main goal is to help you budget. We use it to keep track of money set aside for future purchases in sinking funds (more on that in a future post). They even have free classes on budgeting! That’s my kind of company.

I realize it’s not much fun to pull out your phone and enter a transaction every time you buy something. Maybe your friends will give you a hard time for being so stingy (not that budgeting makes you stingy, but to those who don’t do it, it’s a strange practice). But I promise you that if you’re looking to increase your savings, live beneath your means, or get out of debt, tracking your purchases is the absolute first step you must take.

Want to try out YNAB? Get the free trial and a coupon.

If you’re interested in trying out YNAB, you can get a free month through my affiliate link. See you’re saving money already!

Perhaps I do sound like a budgeting bully.

But this is advice that has served me well and I hope you find it useful, too. Can we still be friends? 🙂

Do you track your spending? What’s your preferred method of keeping track?

Images by Pixabay, YNAB and Sarah Mueller.

Introduction

Hello Developers

Welcome to the YNAB API!

(If you aren't a developer or you have no idea what an 'API' is and you just want to sign in to your YNAB account, you can do that here.)

The YNAB API is REST based, uses the JSON data format and is secured with HTTPS. You can use it to build a personal application to interact with your own budget or build an application that any other YNABer can authorize and use. Be sure to check out what other YNABers have built in the Works with YNAB section and let us know when you build something yourself!

You can check our Release Notes to find out about updates and improvements to the API.

If you need support, please send an email to api@youneedabudget.com or head over to the API Community Forum.

Quick Start

If you're the type of person who just wants to get up and running as quickly as possible and then circle back to fill in the gaps, these steps are for you:

1. Sign in to the YNAB web app and go to the 'Account Settings' page and then to the 'Developer Settings' page.
2. Under the 'Personal Access Tokens' section, click 'New Token', enter your password and click 'Generate' to get an access token.
3. Open a terminal window and run this:
   curl -H 'Authorization: Bearer <ACCESS_TOKEN>' https://api.youneedabudget.com/v1/budgets

You should get a response that looks something like this:

That's it! You just received a list of your budgets in JSON format through the YNAB API. Horray!

If you want to start working with the API to build something more substantial, you might want to check out our YNAB API Starter Kit which is a simple, but functional web application that uses the API.

Authentication

Overview

All API resources require a valid access token for authentication. There are two ways to obtain access tokens: Personal Access Tokens and OAuth Applications.

Personal Access Tokens

Personal Access Tokens are access tokens created by an account owner and are intended to be used only by that same account owner. They should not be shared and are intended for individual usage scenarios. They are a convenient way to obtain an access token without having to use a full OAuth authentication flow. If you are an individual developer and want to simply access your own account through the API, Personal Access Tokens are the best choice.

Obtaining a Personal Access Token

To obtain a Personal Access Token, sign in to your account, go to 'Account Settings', scroll down and navigate to 'Developer Settings' section. From the Developer Settings page, click 'New Token' under the Personal Access Tokens section, enter your password and you will be presented with a new Personal Access Token. You will not be able to retrieve the token later so you should store it in a safe place. This new token will not expire but can be revoked at any time from this same screen.

You should not share this access token with anyone or ask for anyone else's access token. It should be treated with as much care as your main account password.

OAuth Applications

OAuth is a secure way for a third-party application to obtain delegated but limited permissions to a user account and is appropriate for use in applications that need to gain limited authorized permissions to accounts they do not own. If you are developing an application that uses the API and want other users to be able to use your application, OAuth is the only option for obtaining access tokens for other users.

All OAuth Application integrations must abide by the API Terms of Service and the OAuth Application Requirements. Failure to do so will result in disabling of the application.

Restricted Mode

When an OAuth application is created, it will be placed in Restricted Mode initially. This means the application will be limited to obtaining 25 access tokens for users other than the OAuth application owner. Once this limit is reached, a message will be placed on the Authorization screen and new authorizations will be prohibited.

Ynab Split Transaction

To have Restricted Mode removed, you must send a request to api@youneedabudget.com. We will review your OAuth application to ensure it abides by the API Terms of Service and the OAuth Application Requirements. Once we review the application and confirm adherence to our policies, we will remove Restricted Mode.

Creating an OAuth Application

To create an OAuth Application, sign in to your account, go to 'Account Settings', scroll down and navigate to 'Developer Settings' section. From the Developer Settings page, click 'New Application' under the OAuth Applications section. Here, you specify the details of your application and save it. After saving, you will see the details of the new application, including the Client ID and the Client Secret which are referenced in the instructions below.

After creating the application, you are then able to use one of the supported grant types to obtain a valid access token. The YNAB API supports two OAuth grant types: Implict Grant and Authorization Code Grant.

Implicit Grant Flow

The Implict Grant type, also informally known as the 'client-side flow', should be used in scenarios where the application Secret cannot be kept private. The application Secret should never be visible or accessible by a client! If you are requesting an access token directly from a browser or other client that is not secure (i.e. mobile app) this is the flow you should use. This grant type does not support refresh tokens so once the access token expires 2 hours after it was granted, the user must be prompted again to authorize your application.

Here is the flow to obtain an access token:

1. Send user to the authorization URL: https://app.youneedabudget.com/oauth/authorize?client_id=[CLIENT_ID]&redirect_uri=[REDIRECT_URI]&response_type=token, replacing [CLIENT_ID] and [REDIRECT_URI] with the values configured when creating the OAuth Application. The user will be given the option to approve your request for access:
2. Upon approval, the user's browser will be redirected to the [REDIRECT_URI] with a new access token sent as a fragment (hash) identifier named access_token. For example, if your Redirect URI is configured as https://myawesomeapp.com, upon the user authorizing your application, they would be redirected to https://myawesomeapp.com/#access_token=8bc63e42-1105-11e8-b642-0ed5f89f718b. This access token can then be used to authenticate through the API.

Authorization Code Grant Flow

The Authorization Code Grant type, also informally known as the 'server-side flow', is intended for server-side applications, where the application Secret can be protected. If you are requesting an access token from a server application that is private and under your control, this grant type can be used. This grant type supports refresh tokens so once the access token expires 2 hours after it was granted, the application can request a new access token without having to prompt the user to authorize again.

Here is the flow to obtain an access token:

1. Send user to the authorization URL: https://app.youneedabudget.com/oauth/authorize?client_id=[CLIENT_ID]&redirect_uri=[REDIRECT_URI]&response_type=code, replacing [CLIENT_ID] and [REDIRECT_URI] with the values configured when creating the OAuth Application. The user will be given the option to approve your request for access:
2. Upon approval, the user's browser will be redirected to the [REDIRECT_URI] with a new authorization code sent as a query parameter named code. For example, if your Redirect URI is configured as https://myawesomeapp.com, upon the user authorizing your application, they would be redirected to https://myawesomeapp.com/?code=8bc63e42-1105-11e8-b642-0ed5f89f718b.
3. Now that your application has an authorization code, you need to request an access token by sending a POST request to https://app.youneedabudget.com/oauth/token?client_id=[CLIENT_ID]&client_secret=[CLIENT_SECRET]&redirect_uri=[REDIRECT_URI]&grant_type=authorization_code&code=[AUTHORIZATION_CODE]. Here are the values that should be passed as form data fields:
   • client_id - The same [CLIENT_ID] sent with the original authorization code in Step 1 above and provided when setting up the OAuth Application.
   • client_secret - The client secret provided when setting up the OAuth Application.
   • redirect_uri - The same [REDIRECT_URI] sent with the original authorization code request in Step 1 above and specified when setting up the OAuth Application.
   • grant_type - The value authorization_code should be provided for this field, which will indicate that you are supplying an authorization code and requesting an access token.
   • code - The authorization code received as code query param in Step 2 above.

   The access_token, which can be used to authenticate through the API, will be included in the token response which will look like this:

4. The access token has an expiration, indicated by the 'expires_in' value. To obtain a new access token without requiring the user to manually authorize again, you should store the 'refresh_token' and then send a POST request to https://app.youneedabudget.com/oauth/token?client_id=[CLIENT_ID]&client_secret=[CLIENT_SECRET]&grant_type=refresh_token&refresh_token=[REFRESH_TOKEN]. If successful, the response will contain a new access token and a new refresh token in the original token response format. A refresh token can only be used once to obtain a new access token, and will be revoked the first time you use the new access token.

Authorization Parameters

read-only Scope

When an OAuth application is requesting authorization, a scope parameter with a value of read-only can be passed to request read-only access to a budget. For example: https://app.youneedabudget.com/oauth/authorize?client_id=[CLIENT_ID]&redirect_uri=[REDIRECT_URI]&response_type=token&scope=read-only. If an access token issued with the read-only scope is used when requesting an endpoint that modifies the budget (POST, PATCH, etc.) a 403 Forbidden response will be issued. If you do not need write access to a budget, please use the read-only scope.

state parameter

An optional, but recommended, state parameter can also be supplied to prevent Cross Site Request Forgery (XRSF) attacks. If specified, the same value will be returned to the [REDIRECT_URI] as a state parameter. For example: if you included parameter state=4cac8f43 in the authorization URI, when the user is redirected to [REDIRECT_URI], the URL would contain that same value in a state parameter. The value of state should be unique for each request.

Default Budget Selection

An OAuth application can optionally have 'default budget selection' enabled.

When default budget selection is enabled, a user will be asked to select a default budget when authorizating your application:

You can then pass in the value 'default' in lieu of a budget_id in endpoint calls. For example, to get a list of accounts on the default budget you could use this endpoint: https://api.youneedabudget.com/v1/budgets/default/accounts.

Access Token Usage

Once you have obtained an access token, you must use HTTP Bearer Authentication, as defined in RFC6750, to authenticate when sending requests to the API. We support Authorization Request Header and URI Query Parameter as means to pass an access token.

Authorization Request Header

The recommended method for sending an access token is by using an Authorization Request Header where the access token is sent in the HTTP request header.

URI Query Parameter

An access token can also be passed as a URI query parameter named 'access_token':

Usage

Overview

Our API uses a REST based design, leverages the JSON data format, and relies upon HTTPS for transport. We respond with meaningful HTTP response codes and if an error occurs, we include error details in the response body. We support Cross-Origin Resource Sharing (CORS) which allows you to use the API directly from a web application.

Mostly read-only

The current version of the API ('v1') is mostly read-only, supporting GET requests. However, creating (POST) and updating (PUT, PATCH) transactions at /budgets/{budget_id}/transactions and updating (PATCH) monthly budgeted amounts at /budgets/{budget_id}/months/{month}/categories/{category_id} is supported.

Security

TLS (a.k.a. SSL or HTTPS) is enforced on all requests to ensure communication from your client to our endpoint is encrypted, end-to-end. You must obtain an access token and provide it with each request. An access token is tied directly to a YNAB account but can be independently revoked.

Best Practices

Caching

Please cache data received from the API when possible to avoid unnecessary traffic.

Delta Requests

Some endpoints support Delta Requests, where you can request to receive only what has changed since the last response. It is highly recommended to use this feature as it reduces load on our servers as well as makes processing responses more efficient.

Fault Tolerance

Errors and exceptions will sometimes happen. You might experience a connection problem between your app and the YNAB API or a complete outage. You should always anticipate that errors or exceptions may occur and build in accommodations for them in your application.

Specific Requests

You should use the most specific request possible to avoid large responses which are taxing on the API server and slower for your app to consume and process. For example, if you want to retrieve the balance for a particular category, you should request that single category from /budgets/{budget_id}/categories/{category_id} rather than requesting all categories.

Endpoints

The base URL is: https://api.youneedabudget.com/v1. To see a list of all available endpoints, please refer to our API Endpoints page. The documentation also lets you 'try it out' on each endpoint directly within the page.

Response Format

All responses from the API will come with a response wrapper object to make them predictable and easier to parse.

Successful Responses

Successful responses will return wrapper object with a data property that will contain the resource data. The name of the object inside of the data property will correspond to the requested resource.

For example, if you request /budgets, the response will look like:

If you request a single account from /accounts/{account_id}:

Empty data

Response data properties that have no data will be specified as null rather than being omitted. For example, a transaction that does not have a payee would have a body that looks like this:

Error Responses

For error responses, the HTTP Status Code will be specified as something other than 20X and the body of the response will contain an error object. The format of an error response is :

The Errors section lists the possible errors.

Errors

Errors from the API are indicated by the HTTP response status code and also included in the body of the response, according to the response format. The following errors are possible:

HTTP Status	Error ID	Name	Description
400	400	bad_request	The request could not be understood by the API due to malformed syntax or validation errors.
401	401	not_authorized	This error will be returned in any of the following cases: Missing access token Invalid access token Revoked access token Expired access token
403	403.1	subscription_lapsed	The subscription for this account has lapsed
403.2	trial_expired	The trial for this account has expired
403.3	unauthorized_scope	The supplied access token has a scope which does not allow access.
403.4	data_limit_reached	The request will exceed one or more data limits in place to prevent abuse.
404	404.1	not_found	The specified URI does not exist
404.2	resource_not_found	This error will be returned when requesting a resource that is not found. For example, if you requested /budgets/123 and a budget with the id '123' does not exist, this error would be returned.
409	409	conflict	If resource cannot be saved during a PUT or POST request because it conflicts with an existing resource, this error will be returned.
429	429	too_many_requests	This error is returned if you make too many requests to the API in a short amount of time. Please see the Rate Limiting section. Wait a while and try again.
500	500	internal_server_error	This error will be returned if the API experiences an unexpected error.
503	503	service_unavailable	This error will be returned if we have temporarily disabled access to the API. This can happen when we are experiencing heavy load or need to perform maintenance.

Data Formats

Numbers

Currency amounts returned from the API—such as account balance, category balance, and transaction amounts— use a format we call 'milliunits'. Most currencies don't have three decimal places, but you can think of it as the number of thousandths of a unit in the currency: 1,000 milliunits equals 'one' unit of a currency (one Dollar, one Euro, one Pound, etc.). Here are some concrete examples:

Ynab How To Guide

Currency	Milliunits	Amount
USD ($)	123930	$123.93
USD ($)	-220	-$0.22
Euro (€)	4924340	€4.924,34
Euro (€)	-2990	-€2,99
Jordanian dinar	-395032	-395.032

Dates

All dates returned in response calls use ISO 8601 (RFC 3339 'full-date') format. For example, December 30, 2015 is formatted as 2015-12-30.

Timezone

All dates use UTC as the timezone.

Delta Requests

The following API resources support 'delta requests', where you ask for only those entities that have changed since your last request:

• budgets/{budget_id}
• budgets/{budget_id}/accounts
• budgets/{budget_id}/categories
• budgets/{budget_id}/months
• budgets/{budget_id}/payees
• budgets/{budget_id}/transactions
• budgets/{budget_id}/scheduled_transactions

We recommend using delta requests as they allow API consumers to parse less data and make updates more efficient, and decreases server load on our end.

Resources supporting delta requests return a server_knowledge number in the response. This number can then be passed in as the last_knowledge_of_server query parameter. Then, only the data that has changed since the last request will be included in the response.

For example, if you request a budget's contents from /budgets/{budget_id}, it will include the server_knowledge like so:

On a subsequent request, you can pass that same server_knowledge in as a query parameter named last_knowledge_of_server (/budgets/{budget_id}?last_knowledge_of_server=100) and get back only the entities that have changed since your last request. For example, if a single account had its name changed since your last request, the response would look something like:

Rate Limiting

An access token may be used for up to 200 requests per hour.

The limit is reset every clock hour. So, if an access token is used at 12:30 PM and for 199 more requests up to 12:45 PM and then hits the limit, any additional requests will be forbidden until 1:00 PM. At 1:00 PM you would have the full 200 requests allowed again, until 2:00 PM.

You can check how many requests you have remaining by referencing the X-Rate-Limit response header. The value of this header is in the format: X/200, X being the number of requests already made and 200 being the limit. For example, if your application has already made 35 requests, the next response will look like this:

If you exceed the rate limit, an error response returns a 429 error:

Support

If you need API support, please send an email to api@youneedabudget.com.

We also have an API Community Forum available.

Libraries

JavaScript

The JavaScript library is available via npm and the source and documentation is located on GitHub. This library can be used server-side (Node.js) or client-side (web browser) since we support Cross-Origin Resource Sharing (CORS).

If you are using the JavaScript library, you might want to also take a look at the YNAB API Starter Kit which is a simple, but functional web application that uses the JavaScript library.

Installation

Usage

Ruby

The Ruby library is available via RubyGems and the source and documentation is located on GitHub.

Installation

If using Bundler, add gem 'ynab' to your Gemfile and then run bundle.

Usage

Community

The following libraries have been created and are maintained by YNABers. We do not provide support for these clients but appreciate the effort!

• ynab-python by Dean Mcgregor
• YNAB-SDK-PHP by Jorijn Schrijvershof
• ynab-go (Golang) by David Steinsland
• ynab.go (Golang) by Bruno Souza
• Posh-YNAB (PowerShell) by Connor Griffin
• Java SDK for YNAB API by David Dietz
• WWW::YNAB (Perl) by Jesse Luehrs
• kYNAB (Kotlin) by Mark Nenadov
• YNAB.Rest (.NET) by Joshua Marble
• YNAB API .NET Core Library by Jake Moening
• ynab-tools (Julia) by Joseph Peralta
• ynab-rs (Rust) by Taryn Phrohdoh
• swiftynab by Andre Bocchini

Ynab Recurring Transaction

Works with YNAB

Official

The following applications are official YNAB integrations that we developed and support.

• Alexa for YNAB - Gain More Control of Your Money (By Yelling at It)
• API Starter Kit - Quickly get started developing an application with the YNAB API
• Zapier for YNAB - Zapier allows you to instantly connect YNAB with 1,500+ apps to automate your work and find productivity super powers.

Community

The following community applications have been developed by fellow YNABers. We do not provide support for these applications.

• Allowance for YNAB - An iOS app that allows a focused view of budget categories you pick. This can be useful for family members that only want to know how much they currently have available in a specific category or set of categories.
• Apple Card for YNAB - Manual Apple Card imports gotcha down? This service automates the process making it as simple as possible to get those Apple Card transactions synced over to YNAB. Step 1: Email Apple Card monthly statements as CSV attachments to parse@applecardforynab.com. Step 2: Relax.
• Bank Sync for YNAB - Sync your Australian and New Zealand bank accounts to YNAB!
• bar for YNAB - A simple macOS menu bar for quick access to key YNAB information like amount to be budgeted, age of money, income and what's budgeted.
• Beyond Rule 4 - Your Age of Money is ever rising. You're feeling in control of your money. Congratulations! What would you like to accomplish next?
• Budget Buddy - Companion app for YNAB for your partner or significant other to track the budget categories that they care about. Users can see categories, category balances, and category transactions for the current month.
• Budget Feeder - Sync your Australian bank transactions to YNAB! 148 Australian Banks and credit cards supported including Amex, ANZ, Westpac, NAB and CBA. No need to enter transactions manually, with automatic bank feeds your transactions sync seamlessly to your YNAB budget accounts every day. Let Budget Feeder do the hard work for you.
• Budget Reminders - Get reminders of you current budget category balances by time or location.
• Budget Reports - See reports based on your YNAB account data
• BudgetSync - Sync your transactions to YNAB from multiple banks and other financial institutions with BudgetSync.
• Can I Buy It? for YNAB - Quickly see at a glance how much money is left in your categories
• Cents for YNAB - iOS and Android app to seamlessly view your YNAB budget with charts to visualize your spending habits
• Cost Sharing for YNAB - Split shared expenses 50/50 with another person (significant other, roommate, etc.) while keeping track of the original expense breakdown.
• Currency Converter - Convert foreign currency and add a transaction to YNAB at the same time
• FIRM Budget - Firm Budget is a voice assistant (Bixby) companion app for YNAB.
• Foreign Currency Accounts for YNAB - Manage multiple currency accounts in a single budget.
• I Would Have Saved - Web Application for looking at your transaction history
• Menu bar for YNAB - A macOS menu bar for YNAB
• Menubar for YNAB - A simple iOS menubar to show balances
• Multi-currency for YNAB - Manage YNAB accounts with multiple currencies in a single budget
• Share for YNAB - An extension to YNAB to allow budgets or parts of budgets to be exposed to other Users.
• Sheets For YNAB - Import your YNAB transaction and account data in to Google Sheets
• Sync for YNAB - Connect your bank to YNAB
• Telegram bot for YNAB - A Telegram Messenger bot that allows you to quickly add transactions to your account and to import CSV files from banks that are not directly supported by YNAB.
• Transaction Resurrecter - Application for resurrecting deleted YNAB transactions.
• Undebt.it - Undebt.it is a free, mobile-friendly debt snowball calculator
• XNAB - XNAB lets you track your spending in exist.io

Legal

API Terms of Service

We provide the YNAB API so that YNAB-loving developers can make really cool projects and applications. We have some expectations and guidelines about how you’ll do that. Officially, these guidelines are our API Terms of Service because, well, that’s what they’re called. They work hand-in-hand with our general YNAB Terms of Service, and both apply to your use of the API. We appreciate you reading them carefully and, naturally, following them.

To keep the text here readable, we refer to the following as the “Terms”:

• the YNAB Terms of Service;
• the API Terms of Service below;
• terms within any API documentation;
• and any other applicable policies.

In order to protect the website, our apps, and our customers and their data, you agree to comply with them and that they govern your relationship with us.

With that said, here are the YNAB API Terms of Service:

1. Authorized Use. To use the YNAB API and accept the Terms you must be of a legal age to form a binding contract with YNAB. The YNAB API may only be used when permission is explicitly given by a YNAB account owner through the Authentication processes described in the documentation above.
2. Security and Permitted Access. Access tokens must be handled securely and never be exposed to a third-party. The Terms and API documentation outline the only permissible ways in which you can interact with the YNAB API. You are NEVER ALLOWED to directly request, handle or store credentials associated with users’ financial accounts. Securely storing an access token obtained directly from a financial institution using OAuth is allowed.
3. API Limitations. YNAB sets and enforces limits on your use of the APIs at our discretion. Those limits may change and are at our sole discretion. Any attempt to circumvent those limitations is a violation of these terms.
4. Illegal and Restricted Use. We developed this API so you can do good, kind, helpful things with it and to make YNAB better. So: The YNAB API may not be used for illegal purposes. Which seems obvious, but it’s important to say it. Beyond legality, we also restrict the use of the YNAB API in certain ways. You agree not to use, or allow any third party to use, the YNAB API to engage in or promote any activity that is objectionable, violates the rights of others, is likely to cause notoriety, harm or damage to the reputation of YNAB or could subject YNAB to liability to third parties. This might include: (i) unauthorized access, monitoring, interference with, or use of the YNAB API or third party accounts, data, computers, systems or networks; (ii) interference with others’ use of the YNAB API or any system or network; (iii) unauthorized collection or use of personal or confidential information; (iv) any other activity that places YNAB in the position of having potential or actual liability for activity in any jurisdiction.
5. Attribution & Intellectual Property. You and your integration or app may not identify or refer to YNAB in any manner that creates a false suggestion (either directly or indirectly!) that an application is sponsored, endorsed, or supported by YNAB. This includes an application name, description and/or web address (DNS name). To identify that your app integrates with YNAB, you may use this linked image and refer to “for YNAB” in the name of your application. Any other uses of our content are subject to the Intellectual Property Rights and Trademarks sections of the YNAB Terms of Service. Don’t use ‘em.
6. Functionality and Non-exclusivity. You may not use the YNAB API to copy or duplicate products or services offered by YNAB. Also, you acknowledge that YNAB may, now or in the future, offer products, services, or features that are similar to your application.
7. Compliance and Monitoring. YNAB may, but has no obligation to, monitor use of the YNAB API to verify your compliance with the Terms or any other applicable law or legal requirement.
8. Accept Updates. The YNAB API may periodically be updated with tools, utilities, improvements, or general updates. You agree to receive these updates.
9. Termination. YNAB may terminate or suspend any and all access to the API immediately at any time, without prior notice or liability at our sole discretion.
10. Changes. We reserve the right to modify the Terms at any time by posting them on this page and/or notifying you by any means of contact you’ve provided. It is important that you review the Terms whenever we modify them because your continued use of the YNAB API indicates your agreement to the modifications.

OAuth Application Requirements

In addition to the above terms, OAuth Applications must adhere to these requirements:

1. A Privacy Policy must be in place for the application that is displayed to users and that includes the following:
   1. An explanation of how the data obtained through the YNAB API will he handled, stored, and secured.
   2. A guarantee that the data obtained through the YNAB API will not unknowingly be passed to any third-party.
2. The application must not directly request, handle or store any financial account credentials other than an access token obtained directly from a financial institution using OAuth.
3. In line with the Attribution & Intellectual Property section of the API Terms of Service above, the application and the web address (DNS name) must not include 'YNAB' or 'You Need A Budget' unless preceded by the word 'for'.
   Acceptable: 'Budget Tools', 'Transaction Syncer', 'Currency Tools for YNAB'.
   Unacceptable: 'YNAB Tools', 'YNAB Transaction Syncer', 'Advanced YNAB'.