With a cult following the world round, You Need A Budget (YNAB), helps you take total control of your money. The results are life-changing and include breaking the paycheck-to-paycheck cycle, paying down debt, and saving more money faster – not to mention a good night’s sleep.
Käyttäjäarvostelut:
Viimeaikaiset:
Neutraali (21 arvostelua) - Edellisten 30 päivän aikana tehdyistä 21 arvostelusta 42% on myönteisiä.
Yhteensä:
Erittäin myönteinen (1,248 arvostelua) - 92% / 1,248 tämän sovelluksen käyttäjien arvosteluista ovat positiivisia.
Julkaisupäivä: 19. joulu, 2012

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Osta You Need A Budget 4

 

Arvostelut

Most Popular Personal Finance Software: YNAB
Lifehacker

Kind of like EVE Online except there's no subscription fees and it's with real money.
Quantum (Steam user)

This is a game that could take months or years to play, but it is one of the most rewarding gaming experiences I have ever had.
gabbo1928 (Steam user)

Free Live Classes (No purchase required)

Learn how to use the YNAB method to turn your finances around. With free classes running every day, YNAB's education team will help you take total control of your money, making it work for you, instead of against you.

Click here to reserve a spot.

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Tietoja ohjelmasta

"The World’s Best Budgeting Program" – The Internet


With a cult following the world round, You Need A Budget (YNAB), helps you take total control of your money. The results are life-changing and include breaking the paycheck-to-paycheck cycle, paying down debt, and saving more money faster – not to mention a good night’s sleep.

You’ve Never Budgeted Like This Before

The You Need A Budget software is clean and beautiful. Where other software packages suffer from years of feature creep, YNAB offers you exactly what you need: a simple, straightforward system to manage your money. But what makes it so powerful are YNAB’s Four Rules:


  • Rule 1: Give Every Dollar A Job
  • Rule 2: Save for a Rainy Day
  • Rule 3: Roll with the Punches
  • Rule 4: Learn to Live on Last Month’s Income

Show Your Money Who’s Boss

YNAB has a high-touch customer support team, a library of video tutorials, and offers free, live daily classes. With YNAB there is no reason why you can’t get rid of your debt, save for the future and finally insert that thing you've been wanting to do but you've been just too lazy to save for. No more excuses.

Järjestelmävaatimukset

Windows
Mac OS X
    Minimum:Windows XP
    • Processor:2.33GHz or faster x86-compatible processor, or Intel Atom™ 1.6GHz or faster processor for netbook class devices
    • Memory:512 MB RAM
    • Hard Drive:100 MB HD space
    Recommended:
    • Memory:1 GB RAM
    • Other Requirements:Broadband Internet connection
    • Additional:Minimum OS version is: Windows XP
    Minimum:Mac OS X v10.6
    • Processor:Intel® Core™ Duo 1.83GHz or faster processor
    • Memory:512 MB RAM
    • Hard Drive:100 MB HD space
    Recommended:
    • Memory:1 GB RAM
    • Other Requirements:Broadband Internet connection
    • Additional:Minimum OS version is: Mac OS X v10.6
Asiakasarvostelut
Päivitetty asiakasarvostelujärjestelmä! Lue lisää
Viimeaikaiset:
Neutraali (21 arvostelua)
Yhteensä:
Erittäin myönteinen (1,248 arvostelua)
Lähiaikoina julkaistu
CZ_Strider
( 29.0 tuntia pelattu )
Julkaistu 30. kesäkuu.
YOU DON'T HAVE TO PAY SUBSCRIPTION TO USE THIS SOFTWARE!

Yes, the devs are moving to a subsciption model, but with the new version of YNAB only. You can use YNAB 4 infinitely after a 1 time payment.

Directly from the dev's website: We’ll officially support YNAB 4 until December 31, 2016—fixing mission-critical bugs, making sure the apps work great and answering all your support questions. After 2016, we will no longer push updates to YNAB4, but we will still happily support our YNAB 4 users.
Hyödyllinen? Kyllä Ei Hauska
UPwright
( 174.4 tuntia pelattu )
Julkaistu 27. kesäkuu.
Love it use it all the time
Hyödyllinen? Kyllä Ei Hauska
Fightingsaint14
( 158.6 tuntia pelattu )
Julkaistu 26. kesäkuu.
I used to use this software last year, It was totally worth it when I was going through college and help me see where my money was going. When they switched to the New YNAB on the internet, it made things much easier. 10/10 for both, but they will quit doing updates on the desktop version at the end of the year
Hyödyllinen? Kyllä Ei Hauska
chicle
( 0.1 tuntia pelattu )
Julkaistu 24. kesäkuu.
I bought this on sale. Don't remember how much but for sure between $15-$30 It's great and does everything I need. As for the subcription based YNAB, you don't have to upgrade or buy that one if you don't want to. You can continue to use YNAB 4, the desktop client. The only downside to that is that you won't be receiving anymore updates. You will still receive technical support though. I see nothing wrong with YNAB 4 and if I didn't have it already, I would definitely buy it before it's gone since i'm not interested in paying yearly for an app. I plan to use YNAB 4 for the rest of my life, unless they come out with another one time purchase app.

"We’ll officially support YNAB 4 through 2016 (which means we’ll fix critical bugs and make sure the apps work well), and unofficially, for as long as possible. And you can always write in with questions!"
Hyödyllinen? Kyllä Ei Hauska
websinthe
( 1,274.5 tuntia pelattu )
Julkaistu 24. kesäkuu.
The epitomy of easy to start, hard to master. It got my finances in order. Simple as that.
Hyödyllinen? Kyllä Ei Hauska
Doogey
( 167.2 tuntia pelattu )
Julkaistu 24. kesäkuu.
This Application is Amazing. It has helped me from living from paycheck to paycheck to saving up for the next month. Most people Negging this application are mad a bout the subscription fee on the new YNAB. However the only difference that matters between the two is whether you want to have to manually import your transactions from desktop to mobile. It hasnt bothered me yet so I plan to use it for the next 4 years or until i can afford to do the subscription.

If you want to get out of the paycheck to paycheck cycle this is the app for you.
Hyödyllinen? Kyllä Ei Hauska
Regnian
( 1,666.0 tuntia pelattu )
Julkaistu 20. kesäkuu.
If they were going into a subscription model then it should have been a seperate entity and not claiming to replace YNAB 4. In the way of supporting the developer's I get going into a subscription model to keep it monetarily viable to support. Yet, with so many programs and utilities going into an annual fee these days it seems completely backwards to add yet Another annual fee for a program designed to try to manage and Save money. I fear that the desktop YNAB 4 will become less then viable going forward and cannot trust it will be supported as promised when the mentioned NEW YNAB desktop app becomes available. I will continue to use it, but cannot recommend buying it now.
Hyödyllinen? Kyllä Ei Hauska
TheDay
( 153.2 tuntia pelattu )
Julkaistu 20. kesäkuu.
Used to wonder where the update goes. Now I know they moved into monthly/annually subscription.
Hyödyllinen? Kyllä Ei Hauska
Hedius
( 19.7 tuntia pelattu )
Julkaistu 18. kesäkuu.
Don´t buy this software... The creators decided to move away from a pc software to a web-based solution with subscription fees....

In my opinion, this is a step into the false direction..
Hyödyllinen? Kyllä Ei Hauska
Ryan Gillam
( 363.2 tuntia pelattu )
Julkaistu 17. kesäkuu.
Lots of people are talking about the new model that YNAB are moving to. This is fine. However, ignore them. This software will remain and it is still packed to the brim with useful features. It seems to be getting updates too.

I do not use it to 'budget' per se, but it allows me to keep tabs on my business expenditure. I don't know what I would do without it.
Hyödyllinen? Kyllä Ei Hauska
Hyödyllisimmät arvostelut  Edeltävät 30 päivää
46/53 (87%) arvioi tämän hyödylliseksi
Ei suositeltu
177.5 tuntia pelattu
Julkaistu 8. kesäkuu.
They're moving away from this. The creators are looking to charge a subscription fee for a web-based system. Instead of purchasing desktop software once, they want to charge the cost of desktop software every year and provide a website.

No thanks. I won't be using their subscription, and I recommend you don't either.
Oliko tämä arvostelu hyödyllinen? Kyllä Ei Hauska
32/35 (91%) arvioi tämän hyödylliseksi
Ei suositeltu
7.7 tuntia pelattu
Julkaistu 7. kesäkuu.
Are you f****n serious?????
You buy a programm for 50 Euros and then they tell you a months later that you have to pay 50Euros per year?!
And you have to register again and do a new account?
What is this?!

i will never touch that s*** again!

Wow and I forgot you get 10% if u bought YNAB before.
Wow thats so gracious.
Thanks guys!

DON'T BUY THIS ! Its waste of money
Oliko tämä arvostelu hyödyllinen? Kyllä Ei Hauska
26/27 (96%) arvioi tämän hyödylliseksi
1 käyttäjän mielestä tämä arvostelu oli hauska
Ei suositeltu
112.6 tuntia pelattu
Julkaistu 13. kesäkuu.
Used this program for quite some time and have been perfectly happy with it.

Even when it got ditched in favour of a subscription model I was still pleased, it still did what I needed.

Now though, ever since a small update a few days ago it's removed the ability to import QIF files properly as it kicks up an invalid date area every time I upload. So now instead of uploading a downloaded file from my bank, i.e. really simple process. I can only manually type in every transaction which considering the time it takes, makes this software pretty much trash - if that was what I wanted to do I'd be using an excel sheet. One of the major benefits of the tool just gone.

Edit: Clarify the issue with QIFs.
Oliko tämä arvostelu hyödyllinen? Kyllä Ei Hauska
18/18 (100%) arvioi tämän hyödylliseksi
Ei suositeltu
1,666.0 tuntia pelattu
Julkaistu 20. kesäkuu.
If they were going into a subscription model then it should have been a seperate entity and not claiming to replace YNAB 4. In the way of supporting the developer's I get going into a subscription model to keep it monetarily viable to support. Yet, with so many programs and utilities going into an annual fee these days it seems completely backwards to add yet Another annual fee for a program designed to try to manage and Save money. I fear that the desktop YNAB 4 will become less then viable going forward and cannot trust it will be supported as promised when the mentioned NEW YNAB desktop app becomes available. I will continue to use it, but cannot recommend buying it now.
Oliko tämä arvostelu hyödyllinen? Kyllä Ei Hauska
13/14 (93%) arvioi tämän hyödylliseksi
Ei suositeltu
26.4 tuntia pelattu
Julkaistu 12. kesäkuu.
Not a single upgrade for BUYERS!
Oliko tämä arvostelu hyödyllinen? Kyllä Ei Hauska
13/14 (93%) arvioi tämän hyödylliseksi
Ei suositeltu
19.7 tuntia pelattu
Julkaistu 18. kesäkuu.
Don´t buy this software... The creators decided to move away from a pc software to a web-based solution with subscription fees....

In my opinion, this is a step into the false direction..
Oliko tämä arvostelu hyödyllinen? Kyllä Ei Hauska
15/18 (83%) arvioi tämän hyödylliseksi
1 käyttäjän mielestä tämä arvostelu oli hauska
Ei suositeltu
67.2 tuntia pelattu
Julkaistu 7. kesäkuu.
You're paying the same cost yearly , instead of buying it. Just not worth it and not going to support money grab.
Oliko tämä arvostelu hyödyllinen? Kyllä Ei Hauska
13/15 (87%) arvioi tämän hyödylliseksi
Ei suositeltu
2.0 tuntia pelattu
Julkaistu 7. kesäkuu.
Subscription? Really?

No thanks ya.
Oliko tämä arvostelu hyödyllinen? Kyllä Ei Hauska
10/12 (83%) arvioi tämän hyödylliseksi
Ei suositeltu
214.7 tuntia pelattu
Julkaistu 12. kesäkuu.
Great app, but not a fan of the new subscription based model.
Oliko tämä arvostelu hyödyllinen? Kyllä Ei Hauska
Hyödyllisimmät arvostelut  Kaikken aikojen
1,147/1,238 (93%) arvioi tämän hyödylliseksi
51 käyttäjän mielestä tämä arvostelu oli hauska
Suositeltu
69.3 tuntia pelattu
Julkaistu 26. maaliskuu, 2014.
YNAB is quickly becoming one of my favorite games. It is a real-time augmented-reality resource management simulator. Every time you earn money in real life, you get the same amount of resources to manage in the game. You decide which pools you want to allocate them to, based on the things you have to spend your own money on, the things you would like to spend your money on, and ultimately the things you would like to save your money for later. Those pools are depleted throughout the game by various costs to your kingdom that reflect your real life spending and bills.

There is a companion mobile app, allowing you to continue playing the game anywhere you go. Stopped for lunch? Use the mobile app to enter how much you spent for lunch, and see immediate effects to your gameplay. Did you allocate enough resources to your "Dining" pool? If not, you will have to reduce one of your other pools to free up enough resources to cover the difference. You can even check your resource allocation from the mobile app to help decide if you really want to make that purchase, or if it will negatively impact the game too much.

YNAB's playing field is randomly generated on start up, based on your actual debts and account balances, so the game is unique to each player, and no two games are exactly the same. While every game is different, there is a high probability that your kingdom will start out with some degree of debt. Your quest is to reduce that debt as quickly as possible, inch far enough ahead that your incoming resources are being allocated to pools for future months, and restore harmony to the land by setting aside small, manageable portions of each resource-gathering period to cover big dips into resource pools that you know (or sometimes don't know) are coming months from now.

This is a game that could take months or years to play, but it is one of the most rewarding gaming experiences I have ever had. My kingdom started out well over 6,000 units in the red. Figuring out how to split my resources took a week or two to get right, but the beauty of this game design is that you can reassign your resources from pool to pool, so there is flexibility built-in if you find you need to change how you're doing something. After a couple of months (and thanks in large part to a resource gathering period that included my tax refund), that amount has nearly been cut in half. Based on my estimates, I think I will comfortably have my kingdom out of debt within half a year.

Even though it seems like the game would end there, the open world design makes it infinitely playable. Gameplay at that point is generally the same, but your quest changes to raising your kingdom's value as high as you can, while continuing to manage the costs incurred within your kingdom. Having eliminated your kingdom's starting loss, you find yourself with a lot more resources to allocate, and you can start applying those towards some of the various DLC packs, like Dream Vacation, New Car, and Early Retirement.

The graphics are quite nice, well out-classing games like Microsoft Excel 2013: GOTY Edition. Co-op gameplay is possible if you are married or sharing expenses with a significant other. Community support is extensive, with many players offering gameplay strategies, and detailed video and text walkthrus from the developer. This is one game that can literally make your life better.


Oliko tämä arvostelu hyödyllinen? Kyllä Ei Hauska