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:
Recent:
대체로 긍정적 (평가 14 개) - 78% of the 14 user reviews in the last 30 days are positive.
Overall:
매우 긍정적 (평가 1,219 개) - 이 소프트웨어에 대한 사용자 평가 1,219개 중 93% 가 긍정적입니다.
출시 날짜: 2012년 12월 19일

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You Need A Budget 4 구매

 

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
Customer reviews
Customer Review system updated! Learn more
Recent:
대체로 긍정적 (평가 14 개)
Overall:
매우 긍정적 (평가 1,219 개)
Recently Posted
Sword_of_Light
( 41.2 시간 기록 )
게시 일시: 2016년 5월 3일
Its rare that I use the word revolutionary, but this program has certainly revolutionized how we handle our finances. Its not perfect - the way it handles credit cards, for instance, could be more automated, and a bit more intuitive - but it works. The goal is to stop you from living paycheck to paycheck - and start thinking in terms of weekly, monthy, yearly, so on. You know you've got car insurance due at the end of the year - put a little away for it now.

Once we did that, our margin steadily increased, we no longer have those occational weeks where we say "we've over-spent, we'll have to do without x, y or z this week". Every dollar has a job, and because of that, we dont over-spend, we still get to do fun stuff, and we're saving money. This is a program that takes a lot of the hassle out of adult, and that's pretty revolutionary.

-Don
Carnage Ҳ1
( 18.1 시간 기록 )
게시 일시: 2016년 4월 30일
legit.
sleeepyhead
( 101.9 시간 기록 )
게시 일시: 2016년 4월 23일
If you are familiar with the "envelope system" of budgeting, it is very similar to that, just digital across your phone and computer. My favorite aspect of this is the flexibility; spend too much on 'groceries', take some money out of the 'fun' catagory. Fully customizable catagories, btw.

I used to be terrible with money, now I feel like I have control over it. No credit card debt and a growing savings account. It's a wonderful feeling to see the upward curve on 'net worth' in the reports. A huge weight lifted off of me.
MongoGrubb
( 44.5 시간 기록 )
게시 일시: 2016년 4월 21일
This is the best budgeting software I have ever used. I have only had one mistake in the program ever, it is highly flexible for the choatic realities of life, and is built for the constant need of change.
chuck
( 16.7 시간 기록 )
게시 일시: 2016년 4월 19일
..
dr_victory_uk
( 7.2 시간 기록 )
게시 일시: 2016년 4월 7일
Careful this is not the latest version and will not sync with Mobiles or do a number of other features.
Gigamatrix
( 31.3 시간 기록 )
게시 일시: 2016년 4월 6일
This is a budget software constructed around the zero-sum budget concept. Thus, the user has to allocate every dollar of income to particular categories each month. The idea is that if you lend intent to every dollar, the act of being purposeful with one’s money will ultimately cause you to make wiser financial decisions. It’s very easy to use, perhaps even a little basic. In the end, it gets the job done.
Kiwiboots
( 217.5 시간 기록 )
게시 일시: 2016년 4월 3일
Not sure if you're going to like it? Go to their website and download the 34-day free trial, they buy it if you like it and don't if you don't. Really, it's that simple. If by day 34 you aren't hooked, or you've decided to shell out your cash to Quicken (which doesn't have a trial version, you just have to buy it) or some other software, then you've lost nothing. Do yourself a favor, though, watch some of their videos and really learn how to use this software. They do a great job covering areas where you might have questions with really clear and simple videos. Credit cards and Loans really do need a bit of explination, but after watching their videos on the topics it really becomes clear how easy this software is to use. No, you can't do your taxes with it. You also can't import your bank records with it. You have to manually enter your transactions - which you may or may not want. This forces you to really look at where you're spending your money when you manually decide where the money is going as opposed to the application doing it for you. I actually like this because it means that I am forced to look at my spending habits every day. When your spending habits improve and you can see that as you're using your budget it gives you a great feeling. When you buy something that makes you question your fiscal priorities it's not a great feeling. This application has helped me pay off my debt because I see it, the whole total of my debt, every day when I enter transactions. This is not something you see when you're just looking at your bank balance and your debts seperately. I'm not sure I would have been able to pay off my debts as quickly as I did without this kind of help, and it still took years to do. Not only are my bills now paid off, but when emergencies happen I have money set aside for them. When Christmas comes around I have money set aside for it. Birthdays, holidays, and vacations, whatever it is I have a place to plan for it.
aegof
( 38.2 시간 기록 )
게시 일시: 2016년 4월 2일
YNAB4/Classic is a good and useful program for tracking and categorizing expenses. A Google Docs spreadsheet might do just as well, but YNAB makes it all nice and easy. It is worth getting. I can't say anything about the new, subscription-based YNAB, but this isn't it.
yomjoseki
( 0.5 시간 기록 )
게시 일시: 2016년 3월 27일
It's <current year>. I not going to ♥♥♥♥ing install Dropbox to enable cloud saving. Make it a feature of your $60 software.
TooTall
( 38.2 시간 기록 )
게시 일시: 2016년 3월 27일
I connot recomend YNAB anymore. I am disapointed that the YNAB Company has gone to monthly / yearly payments to use their software. (It seem that almost evey company is going this direction). I emailed YNAB and got this responce from a guy named Ryan, "YNAB 4 (which is on Steam) is a separate product from the new web-based YNAB. If you decide to switch to the new YNAB, you can choose between a monthly subscription ($5 per month) or an annual subscription ($50 per year)...If you sign up with the same email address you used to purchase YNAB 4 (most people bought it on STEAM. I did not sign up with there website when I bought YNAB on STEAM), and choose the annual subscription, you'll lock in a 10% lifetime discount, making it $45 per year right now.

My responce to that is. Do you think that is fair for the people who already spent $60.00 bucks for YNAB 4, then YNAB says that they want 45 dollars a year just to use the upgraded version of the software. I think they should have a costomer loyalty plan with better promotions, like giving us the new version for lets say...FREE. (Oh but they have a 34 day free trial) Wow a whole month and 4 days for already sepending $60.00 dollars for the eariler version. Seriously who wants to pay 5 dollars a mouth which comes out to 60 dollars for 12 months and or 50 / 45 for people who already own YNAB 4. Now you are going to have to budget the mothly cost of YNAB under your monthly expenses.

There are other alternatives to budgeting your money.

Mint.com is free to use

Quicken Starter pack is around $31.00 and their deluxe verson is around $39.00 on Amazon

If you are smart enough you could just use Microsoft Excel. There are plenty of bugeting templets out there on the web.

These are just to name a few, I am sure there are more options out there other than YNAB.

Happy Budgeting
Dimidium
( 34.8 시간 기록 )
게시 일시: 2016년 3월 27일
It's a little pricey, but one payment beats a subscription model that YNAB has online now. I don't know what new features the web version has but I doubt its worth a subscription compared to this.
KYZ
( 4.9 시간 기록 )
게시 일시: 2016년 3월 14일
Highly recommended. If you're struggling with the style, you can take YNAB's many FREE online courses (check their website) to learn how to fully use their software and adopt their financial philosophy.
Adam Mickiewicz
( 71.8 시간 기록 )
게시 일시: 2016년 3월 13일
This software changed the way I used to handle my money. Not like I dont't know how to spend it, how to safe something and how to go for doing long term goals. It just spined my mind 180° in the other way and I love the new way. Furthermore there is a YNAB classic version on android, so you can easily sync without having steam on range. Probably there is a Apple version too so "no problemo" for iPhone lovers. You also need a droppbox account to sync data, not a big deal tho.
In addition some time ago YNAB 5 came out. It is a subsription version of YNAB 4 that also does not use droppbox to sync and they offer you a kind of cloud system in their servers. You can try it for 31 days or so, just type get ahead to the official page and test it. I personally do not like: a) the fee b) the whole new sync model c) YNAB 5 in total. Probably gonna stay using YNAB 4.

Grab it, it was the best investment i ever done. YEA IT WAS AN INVESTMENT! 10/10
DeadCockroach ଳツ
( 51.6 시간 기록 )
게시 일시: 2016년 3월 8일
This is by far my favorite software for money management. I find it better than all I have used int he past, including Quicken and Mint. It is easy to set up, easier to manage, and imports banking information easily.
Spencer Greenwood
( 200.7 시간 기록 )
게시 일시: 2016년 3월 5일
tl;dr: This is a piece of budgeting software which demands that you allocate all of the money you earn to specific tasks. It's a bit expensive, and this version of it is a little basic, but depending on your situation, it could really help you manage your money.

Ultimately, YNAB is a complicated Excel spreadsheet. If you're willing and able to build a comparable spreadsheet to yourself, then it has a few unique features, but they're not really worth the pricetag. I was not willing and able, and I have come to value those features.

When you first open YNAB, you enter your current bank balance, and then you record every financial transaction you make. But it differs from some other budgeting software because it requires you to 'give every dollar a job' (other currencies are available). That means that every penny you earn is allocated to a specific future purpose. It is as though you have already spent it. I find this allocation system very useful, because I am never unsure how much money I can afford to spend in a given month. I never have to calculate how much I need to leave in my bank account to cover rent, utilities, or travel. If I want pizza, I just open my app, and see how much I have to spend in my 'Eating Out' category.

Because of its focus on your present and future spending, YNAB is not particularly interested in your past spending habits. You can examine which categories you spend money on, and your net worth over time, but the emphasis is elsewhere. If this is a priority to you, there are better choices for budgeting apps.

Budgeting is important, and YNAB has made me better and more confident at it. But no matter how good you get at budgeting, or how great the tools at your disposal are, the best ingredients for healthy finances are higher income and lower spending. So think carefully before you buy this tool, I guess.
XavierArmstrong
( 108.9 시간 기록 )
게시 일시: 2016년 2월 28일
This is wonderful, it helps you keep track of everything so that you dont' have to worry about forgetting something. Not to mention if you have something you are saving for coming up it helps quite a bit with that. I am glad that I got it!
Leasare
( 339.4 시간 기록 )
게시 일시: 2016년 2월 26일
I've read somewhere that YNAB is no longer going to be supported due to a move to a different type of business model. This is the one thing I dislike, otherwise YNAB is still useable and likely will remain so for a long time. It's good choice for my budgeting needs. I can keep track of not only my spending and get an accurate picture of what I have to spend each month but also keep track of my debt. YNAB is a proponent of the give every dollar a job way of budgeting and it has worked really well for me. They also subsribe to keeping ahead on your pay, not living paycheck to paycheck, so you can build a buffer over time so that eventually you'll be using your previous month's income to pay for this month's bills. I personally haven't been able to achieve this yet but believe I will eventually with the help of YNAB. Highly reccomend!
Fixxer
( 2.3 시간 기록 )
게시 일시: 2016년 2월 22일
10/10 - am now a millionaire
skylife81
( 49.6 시간 기록 )
게시 일시: 2016년 2월 21일
Very good, very pleased. A bit confusing to get your head round (at least for me) but been using it for 2 years and it is well worth the effort learning the ropes.
Most Helpful Reviews  In the past 90 days
10명 중 8명(80%)이 이 평가가 유용하다고 함
1명이 이 평가가 재미있다고 함
비추천
38.2 시간 기록
게시 일시: 2016년 3월 27일
I connot recomend YNAB anymore. I am disapointed that the YNAB Company has gone to monthly / yearly payments to use their software. (It seem that almost evey company is going this direction). I emailed YNAB and got this responce from a guy named Ryan, "YNAB 4 (which is on Steam) is a separate product from the new web-based YNAB. If you decide to switch to the new YNAB, you can choose between a monthly subscription ($5 per month) or an annual subscription ($50 per year)...If you sign up with the same email address you used to purchase YNAB 4 (most people bought it on STEAM. I did not sign up with there website when I bought YNAB on STEAM), and choose the annual subscription, you'll lock in a 10% lifetime discount, making it $45 per year right now.

My responce to that is. Do you think that is fair for the people who already spent $60.00 bucks for YNAB 4, then YNAB says that they want 45 dollars a year just to use the upgraded version of the software. I think they should have a costomer loyalty plan with better promotions, like giving us the new version for lets say...FREE. (Oh but they have a 34 day free trial) Wow a whole month and 4 days for already sepending $60.00 dollars for the eariler version. Seriously who wants to pay 5 dollars a mouth which comes out to 60 dollars for 12 months and or 50 / 45 for people who already own YNAB 4. Now you are going to have to budget the mothly cost of YNAB under your monthly expenses.

There are other alternatives to budgeting your money.

Mint.com is free to use

Quicken Starter pack is around $31.00 and their deluxe verson is around $39.00 on Amazon

If you are smart enough you could just use Microsoft Excel. There are plenty of bugeting templets out there on the web.

These are just to name a few, I am sure there are more options out there other than YNAB.

Happy Budgeting
이 평가가 유용한가요? 아니요 재미있음
5명 중 5명(100%)이 이 평가가 유용하다고 함
추천
200.7 시간 기록
게시 일시: 2016년 3월 5일
tl;dr: This is a piece of budgeting software which demands that you allocate all of the money you earn to specific tasks. It's a bit expensive, and this version of it is a little basic, but depending on your situation, it could really help you manage your money.

Ultimately, YNAB is a complicated Excel spreadsheet. If you're willing and able to build a comparable spreadsheet to yourself, then it has a few unique features, but they're not really worth the pricetag. I was not willing and able, and I have come to value those features.

When you first open YNAB, you enter your current bank balance, and then you record every financial transaction you make. But it differs from some other budgeting software because it requires you to 'give every dollar a job' (other currencies are available). That means that every penny you earn is allocated to a specific future purpose. It is as though you have already spent it. I find this allocation system very useful, because I am never unsure how much money I can afford to spend in a given month. I never have to calculate how much I need to leave in my bank account to cover rent, utilities, or travel. If I want pizza, I just open my app, and see how much I have to spend in my 'Eating Out' category.

Because of its focus on your present and future spending, YNAB is not particularly interested in your past spending habits. You can examine which categories you spend money on, and your net worth over time, but the emphasis is elsewhere. If this is a priority to you, there are better choices for budgeting apps.

Budgeting is important, and YNAB has made me better and more confident at it. But no matter how good you get at budgeting, or how great the tools at your disposal are, the best ingredients for healthy finances are higher income and lower spending. So think carefully before you buy this tool, I guess.
이 평가가 유용한가요? 아니요 재미있음
3명 중 3명(100%)이 이 평가가 유용하다고 함
추천
71.8 시간 기록
게시 일시: 2016년 3월 13일
This software changed the way I used to handle my money. Not like I dont't know how to spend it, how to safe something and how to go for doing long term goals. It just spined my mind 180° in the other way and I love the new way. Furthermore there is a YNAB classic version on android, so you can easily sync without having steam on range. Probably there is a Apple version too so "no problemo" for iPhone lovers. You also need a droppbox account to sync data, not a big deal tho.
In addition some time ago YNAB 5 came out. It is a subsription version of YNAB 4 that also does not use droppbox to sync and they offer you a kind of cloud system in their servers. You can try it for 31 days or so, just type get ahead to the official page and test it. I personally do not like: a) the fee b) the whole new sync model c) YNAB 5 in total. Probably gonna stay using YNAB 4.

Grab it, it was the best investment i ever done. YEA IT WAS AN INVESTMENT! 10/10
이 평가가 유용한가요? 아니요 재미있음
3명 중 3명(100%)이 이 평가가 유용하다고 함
추천
51.6 시간 기록
게시 일시: 2016년 3월 8일
This is by far my favorite software for money management. I find it better than all I have used int he past, including Quicken and Mint. It is easy to set up, easier to manage, and imports banking information easily.
이 평가가 유용한가요? 아니요 재미있음
2명 중 2명(100%)이 이 평가가 유용하다고 함
추천
638.0 시간 기록
게시 일시: 2016년 2월 10일
My hours on record says it all. I've been using YNAB for 3 years now. Prior to YNAB, I had no idea where my money was going. YNAB allowed me to be conscious of my spending. I now know exactly where all my money is going, down to the last cent. I end up saving more every month, and I can dutifully save up for my future vacation(s) or big purchases. I'm never blindsided by big expenses. YNAB really changed my spending habits!
이 평가가 유용한가요? 아니요 재미있음
1명 중 1명(100%)이 이 평가가 유용하다고 함
추천
339.4 시간 기록
게시 일시: 2016년 2월 26일
I've read somewhere that YNAB is no longer going to be supported due to a move to a different type of business model. This is the one thing I dislike, otherwise YNAB is still useable and likely will remain so for a long time. It's good choice for my budgeting needs. I can keep track of not only my spending and get an accurate picture of what I have to spend each month but also keep track of my debt. YNAB is a proponent of the give every dollar a job way of budgeting and it has worked really well for me. They also subsribe to keeping ahead on your pay, not living paycheck to paycheck, so you can build a buffer over time so that eventually you'll be using your previous month's income to pay for this month's bills. I personally haven't been able to achieve this yet but believe I will eventually with the help of YNAB. Highly reccomend!
이 평가가 유용한가요? 아니요 재미있음
Most Helpful Reviews  In the past 180 days
76명 중 71명(93%)이 이 평가가 유용하다고 함
2명이 이 평가가 재미있다고 함
추천
19.4 시간 기록
게시 일시: 2015년 12월 31일
There's a new version of YNAB (people call it nYNAB) which uses subscription model. YNAB4 will be discontinued after December 30, 2016 (and, in fact, the Steam version has not received the latest update compared to the non-Steam desktop version, which offers the migration to nYNAB). If you can't afford USD 5/month or USD 50/year for nYNAB, buy YNAB4 instead. The price tag of IDR 390.000 may be a little bit steep, so wait until it's on sale (unllikely though) or there's any news about nYNAB one-time-fee model (if they will offer any, the SaaS is becoming a trend now). Don't worry about no updates after it's discontinued; Windows XP is still popular and usable even though it's "dead".
이 평가가 유용한가요? 아니요 재미있음
162명 중 123명(76%)이 이 평가가 유용하다고 함
56명이 이 평가가 재미있다고 함
추천
0.1 시간 기록
게시 일시: 2015년 12월 12일
11/10

Would spend money on this software again to remind myself that I do indeed need a budget.
이 평가가 유용한가요? 아니요 재미있음
11명 중 11명(100%)이 이 평가가 유용하다고 함
추천
402.6 시간 기록
게시 일시: 2015년 12월 30일
A friend of mine bought it for me in steam as a christmas present last year. I had previously used this tool for a year off steam and it had helped me get out of 5k debt.

The first few months is bizarre since there's a lot of second guessing. This is my second christmas with YNAB and I managed to see my spending for the previous year and break it up so by December I had heaps of money for christmas presents and food! And Steam sales money!

Thanks to the reports I'm able to generate, I was able to see what I need in case something happens and I can't work for 6 months. So I now have a nice 6 months buffer which came in handy a few months ago.

All in all very happy with it. And being able to see on my mobile what I have available for the month is awesome. Whenever I feel stressed I have a budgeting night. It's nice making money work for you instead of working for the money. All those interests accumulating for me bring me so much happy awesome joy.

10/10
이 평가가 유용한가요? 아니요 재미있음
73명 중 44명(60%)이 이 평가가 유용하다고 함
9명이 이 평가가 재미있다고 함
비추천
26.6 시간 기록
게시 일시: 2015년 12월 30일
Do not buy this software.
It was the best finace software in the market once. But now they want to take more money from us by create a new online version of it to charge monthly fee and then stop support other versions.
Do not believe these people to control your finace, find another ways or try to control it yourself.
Be brave. May the force be with you, my friend.
이 평가가 유용한가요? 아니요 재미있음
5명 중 5명(100%)이 이 평가가 유용하다고 함
2명이 이 평가가 재미있다고 함
추천
57.1 시간 기록
게시 일시: 2016년 1월 5일
I bought this software for $20 on a steam sale like 18 months ago. It is currently listed at $60. It has probably saved me at least a thousand dollars, and it has made my wife and I extremely happy to know that we have everything tracked well, and can save for the future accurately while handling surprises that may come up.

It is actually very fun to see your spending trends once you've kept financial data for a couple months. I'm now up to almost two years.

Technically you could basically do everything this software does if you were really good at Excel. But you're not that good at Excel, and you won't take the time to do it. The implementation of the software is clean and user-friendly, the only "grind" is making sure your financial data is put in properly. If your bank or credit card companies export to Quicken or CSV or whatever you can import data in large batches.

The end result is incredibly important and rewarding -- imagine playing a videogame where there is no status bar, no HUD, no menu system -- you have no idea what any of the numbers are, you just have some vague idea that you might die at any time, you can't calculate your DPS, NPCs randomly tell you that you can't afford that, or even worse you suddenly owe them money. How frustrating would that feel?

But there's a powerup that will show you all the info you need to know. You can plan ahead to make things happen in your favor. And this is not just one game, this is real life, the meta-game that encompasses every video game you will ever play.

If you use YNAB a couple hours every couple months, you'll find everything about your finances much less confusing and frustrating.
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3명 중 3명(100%)이 이 평가가 유용하다고 함
추천
130.9 시간 기록
게시 일시: 2016년 1월 6일
This software changed my life, no Joke. Learning how to budget your money, even if not using this software will help you greatly in life.
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3명 중 3명(100%)이 이 평가가 유용하다고 함
4명이 이 평가가 재미있다고 함
추천
1,191.6 시간 기록
게시 일시: 2016년 1월 1일
Tells me exactly how irresponsible my spending has been, down to the penny.
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1명 중 1명(100%)이 이 평가가 유용하다고 함
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14.9 시간 기록
게시 일시: 2015년 11월 25일
Useful software. I like it for the sync integration between PC and handphone.

However the phone version is limited in fuctionality, I wish that the developer should put more functionality on the phone version so that I don't have to open my laptop each time to see the budget analysis.

Recommended purchase due to making me more aware of my spending habit.
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1명 중 1명(100%)이 이 평가가 유용하다고 함
추천
229.3 시간 기록
게시 일시: 2015년 11월 30일
This program is the only thing holding my crazy new "adult" life together. if not for this id have lost track of evrything and been in a hole right now. for me 60$ is fully worth it. (not that I paid that, I got it on sale <.<)
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1명 중 1명(100%)이 이 평가가 유용하다고 함
추천
48.1 시간 기록
게시 일시: 2015년 12월 30일
As a recent college grad, this title is really worth getting mostly because it helps a /ton/ with getting organized. For me, the most intimidating this about financial stability is making sure I know exactly how much I need to save, and it was a snap with YNAB. As with any tracking software, you're going to need to keep at it on order to get the most effect; you'll also need to do some Googling in order to figure out the workflow for things like recurring paychecks on specific days and Credit Cards, as while it's possible to manage, they aren't baked in due to the variables involved.

Very much worth learning, and very worth the add-on app, which is free if you have the software.
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1명 중 1명(100%)이 이 평가가 유용하다고 함
추천
132.6 시간 기록
게시 일시: 2015년 12월 23일
I personally love this program because it easily became my digital checkbook. The interface is very easy to navigate and, with the app, add/subtract/check your available funds at any time.

Yes, I know banks and credit cards tally up your debits and credits, but some institutions don't update regularly enough and many won't over a weekend or holiday. With YNAB, I can see my budget without having to lug around my notepad and where I stand for the month for grocery/gas/gaming spending and see what bills will be coming up.

Before you say it, I'm very aware that much of this can be simulated in Excel. =_= I know my way around Excel to pull this off, but:

1) I really don't feel like investing the time to do so.
2) I would not be able to generate a nice, clean interface like YNAB possesses.
3) Instant access via phone/tablet app is complete win.
4) App and computer application are always in sync, so no needing to backtrack.
5) I bought this during a Steam sale and I've found that application price is more than worth it with how much I refer to it.

So...if you're in the market for a digital budget-er and/or checkbook that comes with many platforms of use and makes reconciliation less painful and stressful, pick up a copy of YNAB4 today!



There is news that new YNAB will be released in the future (no date given as of this date), but this version of YNAB will be a web-based version versus an application like YNAB4. Additionally, it follows the software subscription model that many companies in that field are following these days. While I don't hate subscriptions, I just prefer owning my copy of an application like this without the worry of getting cutoff later due to price hikes or whatnot.
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1명 중 1명(100%)이 이 평가가 유용하다고 함
추천
305.7 시간 기록
게시 일시: 2016년 1월 10일
I have been using YNAB since June 2014. It is the only thing I have ever tried that I have been able to stick with and I'd been trying various products and systems since 2002. The smartphone app and DropBox connection is what keeps me up to date on all my transactions and the advice they give for married couples and the budget meetings has virtually eliminated our struggles during paycheck time. Now we're a team working toward mutual goals that we agreed on.

The software is easy to use and intuitive. It allows you to keep track of every account you have, including cash and credit accounts, and still keep it tied to your overall budget. It shows you where every single cent goes without a whole lot of effort on our part. In fact, if you make it a point to spend the extra seconds during your transaction to put it in the app, there's almost no additional work to do.

Short term and long term goals and trends can be measured and even graphically depicted using YNAB's reports. I cannot recommend this software highly enough.
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1명 중 1명(100%)이 이 평가가 유용하다고 함
추천
422.7 시간 기록
게시 일시: 2016년 1월 14일
Very useful. Has helped me become very aware of my surroundings with money. I use this software everytime I make a transaction. In fact I believe I have more hours on this program than any other game on my account! Haha xD
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2명 중 1명(50%)이 이 평가가 유용하다고 함
추천
30.3 시간 기록
게시 일시: 2016년 1월 3일
The folks at YNAB have released a new version that is available as a Web App. The price is $5 per month, or $50 for one year. If you have the means to pick up YNAB 4 here through Steam, I'd recommend that course of action.

_________________

Pros of the New YNAB online version:
"New" and "Old" money. If you get a lump sum on January 31st, and put it towards February's budgeting, are you really living one month ahead? You would be if you got that lump sump on January 1st, to be sure. the New YNAB keeps track of how old your money is. When you are using money that is 30+ days old to pay for the next month's bills, then you are truly meeting Rule 4.

Reconciling seems easier. The program asks you "Is the account balance $xxxx.xx?" to which you answer "Yes" or "No".

Goals: You can set an allocation goal for each subcategory. "Total amount to allocate" (e.g. an emergency fund of $1000), "This much every month" (e.g. a Christmas present fund that you start in January), or "Have this much by this date" (e.g. a vacation fund that needs $3000 by July 1st). Each subcategory for which you've set a goal shows the progress toward that goal (i.e. If you have budgeted $200 toward a goal of $400 for groceries for the month, it will show you 50% complete).

Import transactions from your banks with the click of a button.

Mobile app lets you transfer money between budget subcategories (YNAB 4 doesn't have this functionality).
_________________

Pros of the old YNAB 4:

Only pay $60 once and have the software forever (this is most important in my book, especially since I got it for $15 during a Steam sale).

Reports to see where your money is going and your progess toward financial happiness (not available in the New YNAB Online...at least not yet).

Your data is stored in your own Dropbox folder and not on YNAB's server (if that is important to you).

_________________

Pros for both versions:

Mobile App for entering transactions on the fly.

Great customer support through email, videos, and webinars.

Very customizable to meet your needs.

_________________

I am giving the New YNAB Online a whirr for their 34-day trial, but I really don't anticipate continuing beyond that. I am still curious about the "New" and "Old" money feature. I really only signed up for the trial to try to wrap my head around it. Other than that feature, I much prefer YNAB 4. It already has everything I need. I don't mind logging on to my banks' websites to reconcile accounts.

I've been using YNAB 4 only since October 2015, but it only took me a day or two to figure out the basics of budgeting which had eluded me for decades, and it only took me a bout a week before I realized how powerful this tool was. It has truly allowed me to see the light at the end of the tunnel. I am confident now in my ability to get my family out of debt and plan for our future, and YNAB 4 is the reason.
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