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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.
Fecha de lanzamiento: 19 Dic 2012
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New YNAB Version [4.3.509 (Mac) & 4.3.510 (Win)]

29 abril 2014

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)

27 abril 2014

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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Software de Finanzas Personales Más Popular: YNAB

Mejor Software de Finanzas Personales para Windows: You Need A Budget

YNAB supera mis expectativas en muchos aspectos
10/10 – Mac.AppStorm

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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.

Requisitos del sistema (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

Requisitos del sistema (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
Análisis útiles de usuarios
A 18 de 22 personas (82%) les ha sido útil este análisis
371 productos en la cuenta
20 análisis
17.6 h registradas
OJO, que esto no es un juego, es MEGOR, porque te ayuda a ahorrar para comprar juebos, y quitarte de otras cosas, como comer, o darle de comer al coche.

De momento, he adelgazado un montón, y me he gastao' mucho menos en copazos, porque me quedo en casa juebando a los juebos que compro.

No, en serio. El programa en sí es una TONTÁ que puedes hacer con un excel, pero es cosa gloriosa al acompañarlo con el "método" que enseñan gratuitamente en la web.

Publicado: 17 febrero 2014
¿Te ha sido útil este análisis? No
A 969 de 1,051 personas (92%) les ha sido útil este análisis
252 productos en la cuenta
2 análisis
59.1 h registradas
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.

Publicado: 26 marzo 2014
¿Te ha sido útil este análisis? No
A 2 de 2 personas (100%) les ha sido útil este análisis
184 productos en la cuenta
3 análisis
10.3 h registradas
Primero lo principal, YNAB se basa en cuatro reglas en el cual se basa su software y que además te puede enseñar a través de 9 días con su newsletter (te podés inscribir acá mismo:

Se puede armar todo este programa en excel? Sí, pero te consumiría mucho tiempo. YNAB te ahorra la necesidad de tener que hacer tantas cuentas, y es muy flexible.
Armás tu presupuesto a partir de los montos de dinero que le asignes a cada cosa (ponele, 500 pesos de teléfono mensual). Si se debitan 270 pesos, entonces te quedan 230 pesos restantes a favor tuyo, y eso mismo lo podés asignar a otras cosas.
Este mismo presupuesto lo podés usar luego para los meses posteriores, y luego vas a poder analizar si usaste más dinero del que cobrás por tu trabajo o no.

Y esto es lo que busca el YNAB. Todos hablan de qué hacer con el dinero (como comprar acciones y cosas asi), pero no de cómo administrarlo (y como dice el newsletter, todos hablan de la fruta pero no del árbol). El presupuesto es tu árbol, y en eso te ayuda el YNAB, por mas que seas muy bueno ahorrando y no tengas deudas.

Cosas malas que podría mencionar:
- Está todo el programa en inglés, aunque todas las etiquetas o cuentas les podés poner el nombre que quieras.
- No podés trabajar con dos o más monedas al mismo tiempo. Usar pesos para comprar euros? No se puede. (pero sí podes reservar parte de tu sueldo como presupuesto).
- Al principio el programa intimida un poco con su curva de aprendizaje empinada, pero una vez que le cazás la mano te das cuenta de lo "poderoso" que es el software.

Aviso también que en el link que puse de newsletter también hay un trial por 34 días del programa, por lo que pueden ver si les interesa.
Publicado: 29 junio 2014
¿Te ha sido útil este análisis? No
A 299 de 377 personas (79%) les ha sido útil este análisis
550 productos en la cuenta
20 análisis
0.4 h registradas
Let me just preface this was saying, there’s nothing technically wrong with YNAB4. I picked it up with quite a few others on the Steam summer sale for only $15. A fair price, and nothing like the insane original asking price of $60.

At the time I was looking for an offline replacement for Something that I didn’t have to risk any security of my accounts with another 3rd party, and something which I didn’t receive ads or spam. The official website even has a blog post detailing how they’re better than Mint and its shortcomings. While YNAB succeeds on those requirements, it simply doesn’t match the functionality and ease of use of mint.

Of course, YNAB and its followers will point and say that its shortcomings are there by design. Which is really the entire problem I have with it. You’re not buying a piece of budgeting software. What you’re buying into is a self-help and financial planning seminar and community with its own particular brand of philosophy on personal money management. It just so happens the software is there for you to put into practice what you’ve learned.

Not that there’s even anything wrong with that, it just isn’t for me. I didn’t have any money issues, and I don’t need to micromanage every dollar I spend. Even when trying to use it in earnest, I couldn’t see any benefit. Manual micromanagement of every transition seems to be a “feature” and not a flaw, in order to force people to look at their budget as they go. It doesn’t intend to monitor your accounts such as a retirement fund, stock plan, or other such options.

It’s simply not for me. It’s geared towards people who can’t manage their money, and live paycheck to paycheck. I simply wish it was more apparent in the approach they were taking.
Publicado: 8 febrero 2014
¿Te ha sido útil este análisis? No
A 63 de 81 personas (78%) les ha sido útil este análisis
335 productos en la cuenta
53 análisis
0.7 h registradas
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.
Publicado: 26 junio 2014
¿Te ha sido útil este análisis? No