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.
Valutazione degli utenti: Molto positiva (801 recensioni)
Data di rilascio: 19 dic 2012
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Acquista You Need A Budget 4

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$59.99
$44.99
 

Consigliati dai curatori

"Help to budget your hugpillow and anime figs."

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16 settembre

New YNAB Version [4.3.651 (Mac) & 4.3.652 (Win)]

This latest version of YNAB now handles DropBox for Business accounts correctly, as well as users with symlinks to redirect the DropBox folder location, includes tweaks to the Turkish Lira and Belarusian Ruble currencies, and fixes a few other issues.

Release Notes

Better
- Belarusian Ruble now uses 'BYR' as the currency code.
- Turkish Lira now uses ' TL' as the currency symbol.
- YNAB now handles multiple DropBox root directories correctly (can happen when using DropBox for Businesses).
- Exporting the Net Worth Report now includes the account balances at the end of each month.

Fixed
- On-budget transfer inflows in split transactions that also contain an uncategorized subtransaction are now correctly excluded from the uncategorized row on the budget screen.
- Having symlinks under the Dropbox folder no longer causes a crash.
- Fixed a rare crash on the Spending Trends report that could be caused by rapidly switching reports.
- Renaming a master category while only changing capitalization now works as expected.
- Using the keyboard to move focus from the top cell in a month now always cycles around to the bottom.
- Fixed a rare crash that could occur when getting the 'Income for [month]' category text.
- Scrolling on the Spending Trends summary panel now works correctly for a large number of months.
- Fixed a rare bug that could occur when auto-saving.
- Using the cleared balance when reconciling a credit account with a positive balance now works as expected.

1 commenti Ulteriori informazioni

Recensioni

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.

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Riguardo questo software

"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.

Requisiti di sistema

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
Recensioni utili dai clienti
1 persone su 1 (100%) hanno trovato questa recensione utile
0.2 ore in totale
Pubblicata: 23 settembre
Il Software funziona in modo ottimale, mi sta aiutando a non buttare soldi inutilmente. Si ha sempre un quadro ben preciso delle proprie finanze!
Questa recensione ti è stata utile? No
32 persone su 37 (86%) hanno trovato questa recensione utile
29.6 ore in totale
Pubblicata: 6 agosto
Great way to monitor your finances. Got it on summer sale 2014, worth every cent. Some usefull info you can get from two steam videos about this program, all I can add - YNAB REALLY helps. Usefull graphics, comparisons, simple way to add and monitor different accounts.

Small addition - steam can give a 75% discount on it, but very rare. So watch closely and dont miss it!
Questa recensione ti è stata utile? No
42 persone su 62 (68%) hanno trovato questa recensione utile
1.4 ore in totale
Pubblicata: 14 novembre
Don't let my negative review fool you...

YNAB is a great product, they put a lot of time and energy into it and do a great deal to teach people how to manage their finances.

I give it a NO vote because there is no currency conversion, as an expat that one little omission makes it unuseable for me. Yes, I can input what I was paid in the currency I get paid in, but all my bills are in another currency that is constantly changing. To add to the matter my family is in another country that pays bills and buys food in yet another country.

If you are based in one country and you don't have this problem YNAB is a great way to go...but if you are more than one currency its a PITA
Questa recensione ti è stata utile? No
18 persone su 20 (90%) hanno trovato questa recensione utile
132.0 ore in totale
Pubblicata: 22 settembre
If you are tired of making spreadsheets or need a simple yet effective solution to budget your money, YNAB is for you as it does it's job pretty decently. YNAB may be a bit lacking in features such as taking account of interest rates, importing bank statements and so on but the philosophy behind YNAB can be helpful to keep you in the black. It is also useful for international users as Mint does not support majority of the banks around the world.

Personally, I had found that this budgeting approach had helped me into developing "spend within your means" habit while encouraging me to save up for future such as an upcoming Steam sales or a new GPU for my PC. However, the YNAB's approach of personal finance will require you to be more proactive in your spending where you should be recording down each expense as soon as possible to make the most out of it. To make things easier, there is also a good mobile app for iOS and Android for you to keep track of your expense on the go then sync into your dropbox where you can access your data on both your PC and mobile devices.

I have been using it for almost a year and I found the software to be useful for my personal finance. I do recommend this software.
Questa recensione ti è stata utile? No
10 persone su 11 (91%) hanno trovato questa recensione utile
14.7 ore in totale
Pubblicata: 6 ottobre
At the risk of sounding corny, using this software properly, and following YNAB's advice on budgeting can have a transformative effect on your finances. I was earning enough, but not ending up with enough, month after month, every time. YNAB's methodology of giving every dollar a job as soon as you get it (spending money IS a job!) makes a huge difference, and the software itself, after getting over a bit of a learning curve, makes keeping up with your finances vastly easier.

Don't be fooled into thinking this is just an off-brand Quicken. The difference between Quicken and YNAB is the diffrerence between watching your money closely as it disappears, and and plugging the leaks that let your money vanish, before it can. I truly can't speak positively enough about YNAB, and recommend it to absolutely anyone with an income.
Questa recensione ti è stata utile? No
9 persone su 10 (90%) hanno trovato questa recensione utile
39.5 ore in totale
Pubblicata: 16 novembre
Very easy to use. Helps me track spending habits and set money aside for monthly/annual costs.
Questa recensione ti è stata utile? No
6 persone su 6 (100%) hanno trovato questa recensione utile
15.3 ore in totale
Pubblicata: 30 luglio
YNAB is by far, the best budget software I've seen. Having said that, I think the normal price is a bit high, try to get it on a steam sale or talk with the devs, maybe they can give you a discount :)
Questa recensione ti è stata utile? No
6 persone su 6 (100%) hanno trovato questa recensione utile
80.0 ore in totale
Pubblicata: 25 novembre
I was lucky to get this software while it was on sale.

This program is part personal guide and your part self-discipline. You write down what you have, the guide helps you manage, but it doesn't force you to follow it. You have to promise yourself that you don't spend anymore than what you assigned to a particular budget. If you are not self-disciplined, don't get this program. But if you want a challnege and a easy way to mange your income, get this software.
Questa recensione ti è stata utile? No
4 persone su 4 (100%) hanno trovato questa recensione utile
106.3 ore in totale
Pubblicata: 3 novembre
This software has easily changed my life. I used to struggle with budgeting, and I reduced myself down to relying on pure Excel. Even with Excel, I still was not doing well with my overall budget and I kept missing my targets.

YNAB has changed all of that and I actually enjoy budgeting now because I can get a great view on my upcoming savings, and my ability to take a vacation.

I highly recommend this to anyone who needs budgeting help.

I will admit, at first, I didn't get it. I watched the videos, and I found myself struggling. I finally said 'screw it' and brought in my last month's budget/expenses/etc. After moving items around and such, it finally clicked in my head, and it's been amazing ever since.

Take note, I did get mine on a special sale (Black Friday I believe?) It is still definitely worth the $60.

(Former Excel/Microsoft Money/Quicken budgeter)
Questa recensione ti è stata utile? No
4 persone su 4 (100%) hanno trovato questa recensione utile
204.7 ore in totale
Pubblicata: 13 novembre
Changed my life. Not even kidding.
Questa recensione ti è stata utile? No
4 persone su 4 (100%) hanno trovato questa recensione utile
892.7 ore in totale
Pubblicata: 12 novembre
I can't complain about this program at all. No matter what you are doing with money, it always ends up being tedious when managing a budget. This software is easy to use, streamlines the application of a flexible budget by giving you access to edit values on the fly and providing links to the info you need. What i mean is, if you are questioning a certain expense, hovering over the item in question provides info and takes you to the transaction when you click. It also collects the information and presents it to you in graphs which i thought was nice.
Questa recensione ti è stata utile? No
3 persone su 3 (100%) hanno trovato questa recensione utile
49.5 ore in totale
Pubblicata: 30 ottobre
Been using for three months now..... AMAZING. Initially i was bumbed that you had to manual input spendings/earning but now realise exactly why the developers have done this ! Went and lashed out on a few games last month... usually i wouldnt think twice about it, money was in the bank why not. Now with this i have to take money out of a catagory and add it to the " gaming " catarogy....it really did help me realise that just becuase the money was present in the bank doesnt mean it was ' free to use it '. Brilliant !
Questa recensione ti è stata utile? No
3 persone su 3 (100%) hanno trovato questa recensione utile
24.4 ore in totale
Pubblicata: 2 dicembre
I have actually put away some serious money and got my spending under control with this. I think these guys made a great piece of software. $60 is well worth it but if you are in dire need of a budget, this does go on sale every now and then.
Questa recensione ti è stata utile? No
3 persone su 3 (100%) hanno trovato questa recensione utile
13.0 ore in totale
Pubblicata: 5 ottobre
This is probably one of the only reasons my husband and I have been budgeting so well lately and we've noticed we're slowly having more money to go and do fun things. It took a bit for us to use and understand it, but after fiddling with it for a bit, it was really nice and easy to use. It's also kind of nice (and sad, when you have to pay bills) to see where all your money is going.

The software itself it very easy to use but a little confusing to understand right off the bat. We had issues figuring out exactly where to enter certain information and how to set things up. However a little bit of dinking around with it and it's pretty easy to pick up. I still haven't used all the features yet, but I'm finding the basics of the program are more than enough for my needs and a lot easier then dealing with excel.
Questa recensione ti è stata utile? No
3 persone su 3 (100%) hanno trovato questa recensione utile
260.4 ore in totale
Pubblicata: 5 ottobre
This is genuinely different than other budgeting software

The key part is the design of looking forward. The program is designed to politely edit out "mistakes". Being in the red 1 month will be null by the next one, rather than making you feel like you have to perpetually catch up.

They begin you with a 7-day course. Really, it is 7 emails, but they are great. They strip complexity and tell you basic plans to keep you finances under control.

Aside from easily earning back the $15 I paid (it was on sale), it does wonders for my mental health, always knowing exactly how much money I can spend on various things.
Questa recensione ti è stata utile? No
3 persone su 3 (100%) hanno trovato questa recensione utile
1.1 ore in totale
Pubblicata: 16 agosto
You win when you're spending money from last year's paycheck.
Questa recensione ti è stata utile? No
2 persone su 2 (100%) hanno trovato questa recensione utile
21.9 ore in totale
Pubblicata: 10 luglio
If you've a paying job and a lot of expenses in your life, you might want to consider getting YNAB4 to get a better idea of how you're spending your money.

Also, if your working hours are sporadic, the developers have also released a blog post talking about how to budget around an inconsistent income.
Questa recensione ti è stata utile? No
2 persone su 2 (100%) hanno trovato questa recensione utile
740.9 ore in totale
Pubblicata: 7 novembre
I've been using YNAB for the last two years and it has been very helpful to me to manage my budget and track my spending. Be sure to read through the YNAB website to understand the 4 rules of their method: 1) give every dollar a job, 2) save for a rainy day, 3) roll with the punches and 4) live on last month's income.

As I recall, it took a little while for me to learn the software but there's lots of helpful support info (just google your question) and it's really worth the time it takes to learn; after two years, it's easy and natural to use, fullfilling most of my budgeting needs. I think learning the software also changes the way I've thought about money and how to organise it -- for the better. Definitely recommend this software if you're looking for help in managing your money.
Questa recensione ti è stata utile? No
2 persone su 2 (100%) hanno trovato questa recensione utile
168.7 ore in totale
Pubblicata: 5 novembre
This is one of the best tools I have ever used. It helps my wife and I sync or spending on our phones and establish a budget on the PC. It has help us transtion from engagement to a great first year of marriage. Get control over your $! The is worth every cent.
Questa recensione ti è stata utile? No
2 persone su 2 (100%) hanno trovato questa recensione utile
0.1 ore in totale
Pubblicata: 18 agosto
This program has been great for me. It's taken a lot of stress out of my life by helping me to keep track of where I'm spending my money. Being able to sync it with Dropbox is also a great feature. The only drawback is the Android app is pretty barebones. You can view your budget and enter transactions, but you can't actually change your budget from the app. I don't know if this is the same for the iOS app. The developers are supposed to be working on a new Android app, but I haven't heard anything about it since April.

As others have pointed, you can get a lot of this functionality for free by making your own spreadsheet. However, for people like me who have terrible Excel skills, YNAB was worth the money. If you think it's too pricey, it's been on sale in the two most recent Steam sales, so just wait.
Questa recensione ti è stata utile? No