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.
User reviews:
Recent:
Mixed (11 reviews) - 54% of the 11 user reviews in the last 30 days are positive.
Overall:
Very Positive (1,225 reviews) - 93% of the 1,225 user reviews for this software are positive.
Release Date: Dec 19, 2012

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Reviews

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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About This 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.

System Requirements

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:
Mixed (11 reviews)
Overall:
Very Positive (1,225 reviews)
Recently Posted
MagillaGorillaThaKillaFoSkrilla
( 4.0 hrs on record )
Posted: May 26
this piece of ♥♥♥♥ will not let you enter a salary as an expected income, and also treats all starting balances as expected monthly incomes. unintuitive and full of redundant ♥♥♥♥♥♥♥t, i wouldn't recommend this garbage if it was free.
Helpful? Yes No Funny
Foxa
( 10.1 hrs on record )
Posted: May 21
Causes severe lag on my PC for one reason or another. I can hardly use my mouse.

i7-6700k


Please fix this.
Helpful? Yes No Funny
Zetsumei Ikari
( 5.0 hrs on record )
Posted: May 21
no longer supported, they've moved to a web based subscription platform
Helpful? Yes No Funny
Zhuinden (人^▽')~
( 248.1 hrs on record )
Posted: May 15
The Dropbox Sync is great and I love YNAB 4, bought it at -75% and kinda changed the way I keep track of things which is neat!

I will never switch to the subscription-based Cloud-based solution, however.

I'd rather write my own local version of "YNAB".
Helpful? Yes No Funny
MoneyHypeMike
( 53.5 hrs on record )
Posted: May 14
This is probably the best budget software on the planet. Don't get the new version which requires you to pay monthly/yearly fees, stick with YNAB 4.
Helpful? Yes No Funny
WLKY
( 1,602.4 hrs on record )
Posted: May 12
Well done with the monthly/yearly subscription fees for the New YNAB, I am out.
Helpful? Yes No Funny
Otacon
( 712.5 hrs on record )
Posted: May 10
Simple, easy to use and helps to keep you in check. For a personal budget this hits the spot.
Helpful? Yes No Funny
The Lizard Xing
( 2.2 hrs on record )
Posted: May 9
Nothing that you can't achieve in Excel but this piece of software lets you import your bank transactions and processes them in a way where you can work directly on it.
Helpful? Yes No Funny
Sword_of_Light
( 46.0 hrs on record )
Posted: May 3
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
Helpful? Yes No Funny
sleeepyhead
( 106.4 hrs on record )
Posted: April 23
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.
Helpful? Yes No Funny
MongoGrubb
( 44.5 hrs on record )
Posted: April 21
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.
Helpful? Yes No Funny
dr_victory_uk
( 7.3 hrs on record )
Posted: April 7
Careful this is not the latest version and will not sync with Mobiles or do a number of other features.
Helpful? Yes No Funny
Gigamatrix
( 34.0 hrs on record )
Posted: April 6
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.
Helpful? Yes No Funny
Kiwiboots
( 225.7 hrs on record )
Posted: April 3
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.
Helpful? Yes No Funny
aegof
( 38.2 hrs on record )
Posted: April 2
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.
Helpful? Yes No Funny
yomjoseki
( 0.5 hrs on record )
Posted: March 27
It's <current year>. I not going to ♥♥♥♥ing install Dropbox to enable cloud saving. Make it a feature of your $60 software.
Helpful? Yes No Funny
TooTall
( 38.2 hrs on record )
Posted: March 27
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
Helpful? Yes No Funny
Dimidium
( 34.8 hrs on record )
Posted: March 27
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.
Helpful? Yes No Funny
Most Helpful Reviews  In the past 30 days
10 of 12 people (83%) found this review helpful
Not Recommended
1,602.4 hrs on record
Posted: May 12
Well done with the monthly/yearly subscription fees for the New YNAB, I am out.
Was this review helpful? Yes No Funny
5 of 6 people (83%) found this review helpful
Recommended
46.0 hrs on record
Posted: May 3
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
Was this review helpful? Yes No Funny
4 of 5 people (80%) found this review helpful
Not Recommended
5.0 hrs on record
Posted: May 21
no longer supported, they've moved to a web based subscription platform
Was this review helpful? Yes No Funny
2 of 2 people (100%) found this review helpful
Recommended
248.1 hrs on record
Posted: May 15
The Dropbox Sync is great and I love YNAB 4, bought it at -75% and kinda changed the way I keep track of things which is neat!

I will never switch to the subscription-based Cloud-based solution, however.

I'd rather write my own local version of "YNAB".
Was this review helpful? Yes No Funny
2 of 2 people (100%) found this review helpful
Recommended
53.5 hrs on record
Posted: May 14
This is probably the best budget software on the planet. Don't get the new version which requires you to pay monthly/yearly fees, stick with YNAB 4.
Was this review helpful? Yes No Funny
1 of 1 people (100%) found this review helpful
Not Recommended
10.1 hrs on record
Posted: May 21
Causes severe lag on my PC for one reason or another. I can hardly use my mouse.

i7-6700k


Please fix this.
Was this review helpful? Yes No Funny
Most Helpful Reviews  In the past 90 days
32 of 35 people (91%) found this review helpful
1 person found this review funny
Not Recommended
38.2 hrs on record
Posted: March 27
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
Was this review helpful? Yes No Funny
5 of 5 people (100%) found this review helpful
Recommended
215.0 hrs on record
Posted: March 5
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.
Was this review helpful? Yes No Funny
3 of 3 people (100%) found this review helpful
Recommended
71.8 hrs on record
Posted: March 13
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
Was this review helpful? Yes No Funny
3 of 3 people (100%) found this review helpful
Recommended
51.6 hrs on record
Posted: March 8
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.
Was this review helpful? Yes No Funny
2 of 2 people (100%) found this review helpful
1 person found this review funny
Recommended
106.4 hrs on record
Posted: April 23
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.
Was this review helpful? Yes No Funny
1 of 1 people (100%) found this review helpful
Recommended
34.8 hrs on record
Posted: March 27
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.
Was this review helpful? Yes No Funny
1 of 1 people (100%) found this review helpful
Recommended
34.0 hrs on record
Posted: April 6
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.
Was this review helpful? Yes No Funny
4 of 8 people (50%) found this review helpful
Not Recommended
7.3 hrs on record
Posted: April 7
Careful this is not the latest version and will not sync with Mobiles or do a number of other features.
Was this review helpful? Yes No Funny
Most Helpful Reviews  In the past 180 days
71 of 76 people (93%) found this review helpful
2 people found this review funny
Recommended
19.4 hrs on record
Posted: December 31, 2015
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".
Was this review helpful? Yes No Funny
123 of 164 people (75%) found this review helpful
57 people found this review funny
Recommended
0.1 hrs on record
Posted: December 12, 2015
11/10

Would spend money on this software again to remind myself that I do indeed need a budget.
Was this review helpful? Yes No Funny
12 of 12 people (100%) found this review helpful
Recommended
419.4 hrs on record
Posted: December 30, 2015
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
Was this review helpful? Yes No Funny
49 of 80 people (61%) found this review helpful
9 people found this review funny
Not Recommended
26.6 hrs on record
Posted: December 30, 2015
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.
Was this review helpful? Yes No Funny
5 of 5 people (100%) found this review helpful
2 people found this review funny
Recommended
92.9 hrs on record
Posted: January 5
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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3 of 3 people (100%) found this review helpful
Recommended
130.9 hrs on record
Posted: January 6
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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