Add Accounts on Mobile

Naturally, one of your very first steps in YNAB is to add your accounts—because they hold all the money you have to budget.

How to Add an Account

The best place to start is with your main account, usually a Checking account.

  1. From the Accounts tab at the bottom of your budget, tap Add Accounts. 
  2. Choose between Linked or Unlinked. If you're linking, check out our article on linking accounts to complete that account creation pathway!
  3. If you chose Unlinked, select an account type. 
  4. Enter a nickname for the account. 
  5. Enter today's current balance. 
  6. Tap Done.
  7. Tap Next
  8. On the Success page, tap Done to complete the process and see your new account in your list!

Choose account type from the options, type a nickname, enter today's balance, tap Done, and then tap Next to finish

What About Credit Card Accounts?

You'll use the same steps above to add the account, but let's take a few minutes to learn about Credit Card Basics. There are a few key differences with this type of account. 

  • A Credit Card Payment category will be created for you so you know exactly what's available for your credit card payment. When you use your credit card to spend money you assigned to categories in your budget, that money will automatically move from the spending category to the credit card payment category.
  • If you carry a balance on your card, you need to assign money to pay it off over time. Consider setting a Payoff Balance by Date target when you create the account.
  • If you pay the balance in full each month, you need to assign the entire starting balance. Find out more on how to manage your paid in full credit card!
  • Unlike money that moves to your payment category from purchases, to pay off this balance, you’ll assign money directly to the category.
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