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.
사용자 평가: 매우 긍정적 (평가 789 개)
출시 날짜: 2012년 12월 19일
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You Need A Budget 4 구매

휴일 세일! 종료일: 2015년 1월 2일

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큐레이터의 추천

"Help to budget your hugpillow and anime figs."

최신 업데이트 모두 보기 (6)

2014년 9월 16일

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.

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평가

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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소프트웨어에 대해

"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.

시스템 요구 사항

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
유용한 고객 평가
7명 중 7명(100%)이 이 평가를 유용하다고 평가했습니다.
160.9 시간 기록
게시 일시: 2014년 7월 7일
You Need A Budget - 님은 예산이 필요함 ㅇㅇ

모바일부터 데스크탑까지 세상에 널리고 널린 금융관리 프로그램 중에서 이 프로그램이 가지는 가장 큰 특징은 자금 관리의 주체가 계정(Account)이 아닌 예산(Budget)이라는 것이다. 여기서 예산은 '어떠한 목적으로 얼마를 소비할 것인가'를 의미한다. 나의 월단위 고정수익을 고려해서 일정한 소비패턴을 만드는 것 - 교통비 10만원, 식비 20만원, 게임 5만원, 데이트 10만원.. 뭐 이런식이다.

물론 단위로 입출을 기입하고 전체적인 자금 보유량을 관리한다는 점에서는 다른 프로그램들과 동일하지만 이 프로그램은 사용자로 하여금 자금의 가용 여부를 잔액이 아닌 예산으로 판단하도록 도와준다. 예를 들어 당신이 매달 게임에 5만원을 사용하겠다고 예산을 세웠는데 찜목록에 있던 게임이 데일리 딜으로 올라왔다고 치자. 당신의 주머니에는 현금 10만원이 있고, 통장에는 여윳돈 50만원이 있으며, 카드 한도는 아직 300만원이 남아있다. 현실적으로 충분히 게임을 구매할 수 있는 여유가 있다. 하지만 당신의 게임에 대한 예산은, 지난 달의 여름 세일때 평상시 구매량의 두배를 넘게 구매를 해버린 탓에 이번 달 예산까지 다 까먹고 현재 -20,000원을 기록하고 있다. 가용자금을 볼때는 흑자이지만, 예산의 관점에서는 적자를 기록하고 있는 것이다. 이 상황에서 또 다시 게임을 구입하여 현재 마이너스인 예산에 마이너스를 더 얹을 것인가? 아니면 게임 지르는 것을 참고 다른 취미관련 예산에서 지출을 억제하여 마이너스를 메울 것인가? 물론 결정은 당신의 몫이다. 하지만 이 프로그램은 예산의 흐름을 수치와 그래프로 제시하여 좀 더 나은 선택을 할 수 있도록 당신의 등을 떠밀어 준다.

컴퓨터 앞에 앉아있는 시간보다 밖에서 소비하는 시간이 더 많은 당신을 위해 언제 어디서나 알뜰살뜰한 소비습관을 가질 수 있도록 모바일용 앱 또한 무료로 제공되고 있으며, 모바일과 데스크탑은 dropbox를 통해 항상 실시간으로 동기화된다. 처음에는 불편하더라도 익숙해지면 간단한 간식거리나 사소한 지출까지 꼼꼼히 기입하는 자신을 발견하게 될 것이다. 이런 습관은 곧 체계적인 예산의 수립과 합리적인 지출로 이어지며, 언젠가는 당신도 연단위 소비내역 그래프를 뽑아보면서 웃을 수 있게 된다. 그런 무서운 소프트웨어이다. 자금의 흐름을 일목요연하게 보여주는 그래프 기능 또한 매우 훌륭한 편으로 예산별, 계정별, 기간별 그래프를 매우 유연하게 확인할 수 있다. 아마 별 고민 없이 세일때마다 어머 이건 꼭 사야 해! 를 남발하는 스팀 유저라면 이 프로그램의 그래프를 통해 자신이 얼마나 가랑비에 옷을 젖게 만들고 있는지를 보고 놀랄 것이다. 내가 그랬으니깐...

복잡하다 생각되는가? 걱정할 필요 없다. 공식 홈페이지를 통해 누구나 메일로 '일주일 완성 YNAB 배우기' 코스를 구독할 수 있으며, 주기적으로 열리는 영상 강좌를 통해 제작진이 알려주는 프로그램 사용법을 배우고 실시간으로 질문할 수 도 있다. 문제는... 이 모든게 영어라는 점. 이메일 코스도, 영상 강좌도, 심지어 이 프로그램 자체도... 모조리 영어뿐이다;; 그리고 2byte 문자의 끝글자가 잘리는 버그라던가, 프로그램이 무겁다(...라기 보다는 데이터셋이 증가할수록 다루는 시간이 늘어나는 느낌)던가 하는 사소한 단점 또한 아쉬운 면중 하나이다. 그럼에도 불구하고, 익숙하게 다룰 수 만 있다면 당신의 소비생활에, 그리고 스팀 라이프에 큰 도움이 되는 프로그램임은 두말 할 것도 없다. 혹시 이 프로그램에 관심이 있는데, 혹은 구입을 했는데 사용법을 잘 모르겠다 하는 분은 친구 등록 후 메세지를 주시기 바란다. 여력이 되는 데까지 도와드리도록 하겠다. 그렇게 해서라도 충분히 써 볼 가치가 있는 프로그램이다.

ps. 간혹 '엑셀로 다 되는 기능인데 왜 프로그램을 사나여?' 라고 물으시는 분에게는 '걷거나 버스를 타도 어디든 갈 수 있는데 왜 차를 사나여?' 라고 답변을 해드리고 싶다'ㅅ'
이 평가가 유용한가요? 아니요
290명 중 241명(83%)이 이 평가를 유용하다고 평가했습니다.
1.5 시간 기록
게시 일시: 2014년 6월 26일
Kind of a bare bones indie resource management game, like EVE Online without spaceships, or if The Sims didn't care about the toilet so much. YNAB presents players with unique resource management challenges and a simple goal: Have more resources than everybody else. While there is no head-to-head competitive support in YNAB, the best competitive players are often showered with adoration much like the top players of competitive Starcraft in Korea. Not bad for an indie title.

But while YNAB captures the imagination with its easy-to-learn-hard-to-master concept and mechanics, it has some major flaws that can’t be ignored. In the interest of fairness, I think it’s important to list them all:

1) This game is the most egregious example of pay-to-win mechanics I have ever seen. *Significant* portions of the game are gated off for those who cannot pay. Not just DLC like new outfits for your character. We’re talking absolutely crucial content like the Education campaign or the Pay Your Rent So You Don’t Die Freezing In the Streets minigame.

2) Community members make significant content contributions – in fact they make the vast majority of all goods and services available in the game — but the monetization model for the YNAB game world fails to compensate them adequately, siphoning off most profits to support the owners of the means of production. A more equitable distribution of funds to community contributors like Valve’s Workshop system would be preferable.

3) While I found the protagonist to be generally likeable and intelligent, I found he often made inexplicably bad decisions like the infamous “Spend Your Whole Paycheck on the Steam Sale” scene. This kind of irrational self-abnegating behavior made me feel like I had no meaningful say in the story. And come on. It’s 2014. Do we really need another boring white guy headlining a title?

Overall, YNAB is a compelling indie title that makes a great deal out of very little, but the p2w mechanics and lack of next-gen graphics are a big drawback. Set aside a little money each month and pick it up during a sale.
이 평가가 유용한가요? 아니요
33명 중 28명(85%)이 이 평가를 유용하다고 평가했습니다.
28.5 시간 기록
게시 일시: 2014년 8월 6일
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!
이 평가가 유용한가요? 아니요
49명 중 34명(69%)이 이 평가를 유용하다고 평가했습니다.
1.4 시간 기록
게시 일시: 2014년 11월 14일
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
이 평가가 유용한가요? 아니요
19명 중 17명(89%)이 이 평가를 유용하다고 평가했습니다.
131.4 시간 기록
게시 일시: 2014년 9월 22일
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.
이 평가가 유용한가요? 아니요
11명 중 10명(91%)이 이 평가를 유용하다고 평가했습니다.
14.7 시간 기록
게시 일시: 2014년 10월 6일
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.
이 평가가 유용한가요? 아니요
10명 중 9명(90%)이 이 평가를 유용하다고 평가했습니다.
39.1 시간 기록
게시 일시: 2014년 11월 16일
Very easy to use. Helps me track spending habits and set money aside for monthly/annual costs.
이 평가가 유용한가요? 아니요
31명 중 20명(65%)이 이 평가를 유용하다고 평가했습니다.
0.6 시간 기록
게시 일시: 2014년 6월 26일
Eve Online has really changed since I last played, they cut out all the boring stuff and just left the core gameplay. 9/10 will spreadsheet again!
이 평가가 유용한가요? 아니요
11명 중 9명(82%)이 이 평가를 유용하다고 평가했습니다.
28.3 시간 기록
게시 일시: 2014년 6월 26일
Great learning curve. Really redefined the genre. Great graphics really helped me feel immersed when I do my budget. 10/10 will upgrade.
이 평가가 유용한가요? 아니요
6명 중 6명(100%)이 이 평가를 유용하다고 평가했습니다.
13.9 시간 기록
게시 일시: 2014년 7월 30일
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 :)
이 평가가 유용한가요? 아니요
6명 중 6명(100%)이 이 평가를 유용하다고 평가했습니다.
79.1 시간 기록
게시 일시: 2014년 11월 25일
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.
이 평가가 유용한가요? 아니요
5명 중 5명(100%)이 이 평가를 유용하다고 평가했습니다.
10.9 시간 기록
게시 일시: 2014년 6월 28일
You hear people joke about some of these softwares and treat them like jokes; however, this is the real deal. It's got an easy setup that you can jump right into. It provides you with a list of daily needs and possiby future ones. You simply allocate all the money you think you will spend (you can estimate) and adjust accordinly. You want to record every transaction you make whether it's a deposit or simply buying Subway. I think of it as a game, I want my budget to stay green and then rollover to the next month without worrying.

Sure, you could set this up in Excel, and if you perfer that do so. I like the convenience and mobility (mobile apps) of it. It's never to late to start budgeting.
이 평가가 유용한가요? 아니요
4명 중 4명(100%)이 이 평가를 유용하다고 평가했습니다.
104.4 시간 기록
게시 일시: 2014년 11월 3일
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)
이 평가가 유용한가요? 아니요
4명 중 4명(100%)이 이 평가를 유용하다고 평가했습니다.
38.0 시간 기록
게시 일시: 2014년 6월 28일
Wasn't expecting to come out of this recent steam sale with a budgeting program... but this one is actually really good. I've always been good at looking at my money history and going "that was a mistake"... but I've never been good at budgeting. So far so good with this program. Excellent layout, excellent tutorials, and excellent advice so far. Would recommend!
이 평가가 유용한가요? 아니요
4명 중 4명(100%)이 이 평가를 유용하다고 평가했습니다.
204.4 시간 기록
게시 일시: 2014년 11월 13일
Changed my life. Not even kidding.
이 평가가 유용한가요? 아니요
4명 중 4명(100%)이 이 평가를 유용하다고 평가했습니다.
892.7 시간 기록
게시 일시: 2014년 11월 12일
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.
이 평가가 유용한가요? 아니요
8명 중 6명(75%)이 이 평가를 유용하다고 평가했습니다.
52.7 시간 기록
게시 일시: 2014년 6월 26일
I spend more money since I started using this, ♥♥♥♥.
이 평가가 유용한가요? 아니요
3명 중 3명(100%)이 이 평가를 유용하다고 평가했습니다.
49.3 시간 기록
게시 일시: 2014년 10월 30일
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 !
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24.4 시간 기록
게시 일시: 2014년 12월 2일
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.
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3명 중 3명(100%)이 이 평가를 유용하다고 평가했습니다.
13.0 시간 기록
게시 일시: 2014년 10월 5일
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.
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