The World's Best Budgeting Program. Praised across the Internet as hands-down the "best budgeting software", You Need A Budget (YNAB) cuts to the chase with your finances. The software focuses you on the foundation of your finances: the Budget.
출시 날짜: 2012년 12월 19일
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New YNAB Version [4.3.509 (Mac) & 4.3.510 (Win)]

2014년 4월 29일

This update adds a 'Use this amount' link to the reconciliation dialog, along with showing the cleared balance in YNAB as of the selected date. We've also added a few new currencies, and fixed several minor bugs.

Release Notes

- Added Bangladeshi Taka currency option.
- Added Ugandan Shilling currency option.

- The trial notification screen is now only shown for college students once they reach 34 days remaining of their license.
- Clicking the 'Cleared' button after editing a transaction no longer begins editing again.
- Added ability to reconcile with the cleared amount YNAB knows about.
- Reconciliation current cleared balance now updates to be the cleared balance as of the selected date.

- Fixed an internal issue that could have caused other YNAB apps to get their changes overwritten in rare circumstances.
- Rounding on quick budget averages now happens earlier, preventing phantom budgeted amounts some users were seeing.
- Fixed a rare crash that could occur when switching date formats or swapping imports and memos when importing.
- Fixed a rare crash that could occur when hitting ctrl while entering a date into the scheduler.
- Changing the selected flag while making other edits no longer prevents selecting different transactions.
- When jumping to the register view from budgets, the date filter is now applied correctly.

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Using YNAB for Business. And an Unofficial Windows Phone App (Divvy)

2014년 4월 27일

Hi all,
Plenty of people have asked about YNAB developing a Windows Phone app, and our answer has always (unfortunately) been that it's not within our budget. YNAB (the business) is run using a budget kept in YNAB (the software). If you run a business too, you may be interested in how we use YNAB to plan how our expenses work. You can sign up for our (free) YNAB for Business email course here:

Even though a Windows Phone app hasn't been within our budget, one of our enterprising users has developed an unofficial YNAB app for Windows Phones. It's called "Divvy". We can't support Divvy (we have no access to the source code, so we can't make any changes to it), but Tim is a great guy, and you can get more information about it, including where to download it and how to get support here:


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Most Popular Personal Finance Software: YNAB

Best Windows Personal Finance Software: You Need A Budget

YNAB exceeds my expectations in many ways
10/10 – Mac.AppStorm

Steam Greenlight

소프트웨어에 대하여

The World's Best Budgeting Program.

Praised across the Internet as hands-down the "best budgeting software", You Need A Budget (YNAB) cuts to the chase with your finances. The software focuses you on the foundation of your finances: the Budget. Experience has shown that when your budget is intact, and functioning correctly, everything else takes care of itself (the bills are paid on time, retirement contributions are made, and unnecessary debt is eliminated).

The Most Effective Budgeting Method

The software is built around Four Rules of Cash Flow. These Four Rules will help you break the paycheck to paycheck cycle, get out of debt, and save more money. Where other software packages tend to be the products of years of feature creep, YNAB offers you exactly what you need: a simple, straightforward system to manage your money.

  • 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.

    Remember to take advantage of YNAB's fantastic support resources: video tutorials, and free live budgeting classes for any and all interested! These are available at our website or via the Help menu in the software.

    Key Features

  • Walkthrough Tutorial:
      We teach you how to use the basics of YNAB, using the YNAB interface itself. You'll be up and running in no time.
  • Incredible Support:
      We're dedicated to helping you succeed. Free live classes, screencasts, a dedicated forum and more are there to help you.
  • Cloud Sync:
      Using Dropbox, you can sync your budget between multiple computers, and your mobile devices (Android/iOS) in real time, so you are always up to date, wherever you go.
  • Autosave:
      YNAB saves your budget automatically at regular intervals and also when you quit. No need to worry about losing your work.
  • Scheduled Transactions:
      Have bills or paychecks on regular intervals? Create a scheduled transaction and new transactions will be made for you automatically.
  • Reconciliation Wizard:
      Our reconciliation wizard lets you reconcile all of your accounts with ease to make sure that YNAB and your account balances match.
  • Powerful Search:
      Search for dates, amounts, payees, categories and more. You can combine searches to get just the results you want.
  • Notes Everywhere:
      Save notes for months, categories or budget amounts in a category. Whatever you need to remember, we've got you covered.
  • Global Currencies:
      YNAB supports Dollars, Euros, Pounds, Rupees, Reals, Rands and just about every other currency in the world.
  • Easy Split Transactions:
      When it comes to ease of entry, our inline split-transaction entry is second to none. Set the total receipt amount and let 'er rip.
  • Spending Quick-View:
      Click on any 'outflow' amount in your budget and get a list of all the transactions that made up that number and edit them if need be.
  • Readable Reports:
      Our all-new engine lets you slice and dice your financial history in a variety of ways with reports that are readable by actual humans.

시스템 요구 사항 (PC)

    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
    • Memory:1 GB RAM
    • Other Requirements:Broadband Internet connection
    • Additional:Minimum OS version is: Windows XP

시스템 요구 사항 (MAC)

    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
    • Memory:1 GB RAM
    • Other Requirements:Broadband Internet connection
    • Additional:Minimum OS version is: Mac OS X v10.6
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1,103명 중 1,016명(92%)이 이 평가를 유용하다고 평가했습니다.
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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.

게시 일시: 2014년 3월 26일
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2명 중 2명(100%)이 이 평가를 유용하다고 평가했습니다.
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102.7 시간 기록
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'
게시 일시: 2014년 7월 7일
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101명 중 77명(76%)이 이 평가를 유용하다고 평가했습니다.
330 개의 게임 보유 중
평가 53 개
0.7 시간 기록
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.
게시 일시: 2014년 6월 26일
이 평가가 유용한가요? 아니요
20명 중 20명(100%)이 이 평가를 유용하다고 평가했습니다.
80 개의 게임 보유 중
평가 1 개
508.5 시간 기록
Ok, so let me tell... in the spirit this is one more expense management software, just like Mint, just like Money. But I say that in the sense of needing to have the discipline to go through your expenses in a weekly basis at list. If you don't have the discipline for it, don't buy it! You'll end up using for about one or two months and letting it go.
After telling that, let me tell you what got my attention in YNAB. This is different from any expense management system because it is pro-active instead of reactive. In other systems, you'll enter you salary and then you'll be consuming it as you expend it during the month, until you receive a new salary. YNAB (You Need a Budget) presents a new concept in management called budgeting. Their philosophy is that once you have an income, you must allocate all of it, every penny, in the categories that you are planning to invest in that month. Even if the allocation of your money is in something like "saving for unplanned expense". Than you respect your allocation (budgeting) during the month. Every expenses that you log in the app will discount from your corresponding category budget. This is why YNAB is proactive. You don't have the sensation of money without a direction. Once you receive your money you'll have to plan where it will go.
This has been working great for me, I'm using for a couple of months now. Also, they have a mobile app that allows you to record your expenses on the go.
게시 일시: 2014년 6월 21일
이 평가가 유용한가요? 아니요
16명 중 14명(88%)이 이 평가를 유용하다고 평가했습니다.
1,209 개의 게임 보유 중
평가 2 개
5.3 시간 기록
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!
게시 일시: 2014년 8월 6일
이 평가가 유용한가요? 아니요