# YNAB's ChatGPT App > Source: https://support.ynab.com/en_us/ynab-and-chatgpt-H1QI25JRZe Last updated: 2026-07-02T17:30:19.351Z Ask YNAB your money questions without leaving ChatGPT. The YNAB ChatGPT App brings curated articles, blogs, and videos — plus a debt payoff calculator — right into your ChatGPT conversations. Connect it once, then mention _@ynab_ any time a money question comes up.  ![@ynab shown in a new chat](https://cdn.bfldr.com/NIEXAZS5/at/k84hjkm5snrkrq6wbp46skf4/Chat-GPT-Web-Help-Article.png) #### In This Article [About the YNAB ChatGPT App](#about) [How to Connect the YNAB ChatGPT App](#connect) [How to Use the YNAB ChatGPT App](#use) [The Debt Payoff Calculator](#calculator) [Frequently Asked Questions (FAQs)](#faq) * * * ## About the YNAB ChatGPT App The YNAB ChatGPT App is a free, separate experience that lives inside ChatGPT — built by us, hosted by them. When you ask a money question with _@ynab_, the app pulls from a curated library of YNAB articles, blog posts, and videos and surfaces what's most relevant. It also includes a debt payoff calculator you can run right in the chat. It's designed to be helpful for anyone wrestling with their money — whether you've been YNABing for years or you've never opened YNAB before. Think of it as a way to get our best guidance, right where you're already asking questions. #### The YNAB ChatGPT App doesn't see your plan The YNAB ChatGPT App is **completely separate** from your YNAB plan. It can't view your accounts, your categories, your transactions, or anything else inside YNAB. It's just a way to surface our public posts when you ask money questions in ChatGPT. [Back to Top](#backtotop) * * * ## How to Connect the YNAB ChatGPT App Before you can use the app, you'll connect it to your ChatGPT account. You only need to do this once. 1. Log into [ChatGPT](https://chatgpt.com). 2. Head to the [ChatGPT Apps directory](https://chatgpt.com/apps). 3. Search for the **YNAB ChatGPT App**, select it from the results, and click _Connect_. 4. Follow any on-screen prompts to finish connecting. ![App window of ChatGPT to connect to YNAB App](https://cdn.bfldr.com/NIEXAZS5/at/4t4crw2bfp4m8wrx4jhfn6n/Chat-GPT-Connect-Step-Web-Help-Article.png) That's it — no install, no download, nothing to maintain. The app is now available any time you're chatting in ChatGPT. [Back to Top](#backtotop) * * * ## How to Use the YNAB ChatGPT App Once you've connected the app, calling on YNAB takes one keystroke. 1. Open ChatGPT and start a new chat (or jump into an existing one). 2. Type the _@_ symbol and select _YNAB_ from the list. 3. Ask your money question. For example: _"@ynab how do I stop overspending on groceries?"_ 4. The app will surface a handful of relevant YNAB resources. Tap or click any of them to read the full article without leaving ChatGPT. #### Forget the @ynab and you'll get a regular ChatGPT response The _@ynab_ mention is what flips the switch. Without it, ChatGPT will answer the way it always does. So when in doubt — _@ynab_ it. [Back to Top](#backtotop) * * * ## The Debt Payoff Calculator Got debt you'd like a plan for? Ask the app something like _"@ynab help me figure out how to pay off my debt"_ and the debt payoff calculator will pop up right inside the chat. Plug in your balances, interest rates, and what you can put toward debt each month, and you'll see how long it would take to pay it off.  [Back to Top](#backtotop) * * * ## Frequently Asked Questions (FAQs) ### Is the YNAB ChatGPT app official? Yes — the YNAB ChatGPT app is the **official** app built by YNAB. You'll find it in the [ChatGPT Apps directory](https://chatgpt.com/apps) listed as the _YNAB ChatGPT App_. If you come across something elsewhere that claims to be YNAB but isn't listed there, it's not affiliated with us. ### How do I access the YNAB ChatGPT app? You'll first [connect the YNAB ChatGPT App](#connect) through the ChatGPT Apps directory — you only need to do this once. After that, you can [use the app](#use) any time by starting a chat in ChatGPT and typing _@ynab_ before your money question. ### Does the YNAB ChatGPT app connect to my YNAB account? No. The YNAB ChatGPT app is **completely separate** from your YNAB plan. It can't read your transactions, balances, or categories, and you don't sign in with your YNAB credentials to use it. Also, YNAB doesn't see what you ask in ChatGPT. ### Is the YNAB ChatGPT App free? Yes! The YNAB ChatGPT App is free to connect and use. You'll need a ChatGPT account, and any limits from your ChatGPT plan still apply, but YNAB doesn't charge anything on top. ### Do I need a YNAB subscription to use it? Nope. Anyone with a ChatGPT account can connect to the YNAB ChatGPT App and start asking questions. ### Why didn't the app answer my question? A couple of things to check. First, make sure you typed _@ynab_ before your question — that's how the app knows to step in. Second, our content library inside the app is curated, and we don't have an article for every single topic yet. ### Something the app told me looked wrong. What do I do? We want to hear about it! [Tell the chatbot you need a human or send us an email](https://support.ynab.com/en_us/how-to-get-help-SygqcvtC5) and we'll pass the feedback along to the team behind the app. ### How does YNAB handle my data here? Our [Privacy Policy](https://www.ynab.com/privacy-policy) covers how we handle data across all of our products, including this one. [Back to Top](#backtotop) * * * ## Help Us Help You! Our Knowledge Base team reviews article feedback responses weekly, and we actively revise these articles to make them as helpful as possible. That's where you come in! Our articles are scored based on the _Yes_ or _No_ ratings received below. We also collect freeform feedback for any _No_ ratings (so our team can focus in on what you were specifically searching for!). **Success**: Found what you were searching for? It would be super helpful if you click _Yes_ below. **Suggestions**: Didn't find what you're searching for and you'd like to share what terms or topics you wanted? Click _No_ below. You'll then be able to submit your feedback about this article. **Please note:** the feedback submissions are anonymous, and we’re not able to respond, so make sure to use the next option if you have a specific scenario or question you would like a response to. **Support**: If you have a question or would like a response to your specific question, [tell the chatbot you need a human or send us an email](https://support.ynab.com/en_us/how-to-get-help-SygqcvtC5) to ensure that your message gets to our Support team! ⁠