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.
User reviews: Very Positive (725 reviews)
Release Date: Dec 19, 2012
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Recent updates View all (6)

September 16

New YNAB Version [4.3.651 (Mac) & 4.3.652 (Win)]

This latest version of YNAB now handles DropBox for Business accounts correctly, as well as users with symlinks to redirect the DropBox folder location, includes tweaks to the Turkish Lira and Belarusian Ruble currencies, and fixes a few other issues.

Release Notes

Better
- Belarusian Ruble now uses 'BYR' as the currency code.
- Turkish Lira now uses ' TL' as the currency symbol.
- YNAB now handles multiple DropBox root directories correctly (can happen when using DropBox for Businesses).
- Exporting the Net Worth Report now includes the account balances at the end of each month.

Fixed
- On-budget transfer inflows in split transactions that also contain an uncategorized subtransaction are now correctly excluded from the uncategorized row on the budget screen.
- Having symlinks under the Dropbox folder no longer causes a crash.
- Fixed a rare crash on the Spending Trends report that could be caused by rapidly switching reports.
- Renaming a master category while only changing capitalization now works as expected.
- Using the keyboard to move focus from the top cell in a month now always cycles around to the bottom.
- Fixed a rare crash that could occur when getting the 'Income for [month]' category text.
- Scrolling on the Spending Trends summary panel now works correctly for a large number of months.
- Fixed a rare bug that could occur when auto-saving.
- Using the cleared balance when reconciling a credit account with a positive balance now works as expected.

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April 29

New YNAB Version [4.3.509 (Mac) & 4.3.510 (Win)]

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

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

Better
- 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
- 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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Reviews

Most Popular Personal Finance Software: YNAB
Lifehacker

Best Windows Personal Finance Software: You Need A Budget
http://financialsoft.about.com/od/reviewsfinancesoftware/ss/Best-Personal-Finance-Software-Best-Tax-Software_2.htm

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

Steam Greenlight

About This Software

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.

System Requirements

PC
Mac
    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
Helpful customer reviews
2 of 2 people (100%) found this review helpful
14.7 hrs on record
At the risk of sounding corny, using this software properly, and following YNAB's advice on budgeting can have a transformative effect on your finances. I was earning enough, but not ending up with enough, month after month, every time. YNAB's methodology of giving every dollar a job as soon as you get it (spending money IS a job!) makes a huge difference, and the software itself, after getting over a bit of a learning curve, makes keeping up with your finances vastly easier.

Don't be fooled into thinking this is just an off-brand Quicken. The difference between Quicken and YNAB is the diffrerence between watching your money closely as it disappears, and and plugging the leaks that let your money vanish, before it can. I truly can't speak positively enough about YNAB, and recommend it to absolutely anyone with an income.
Posted: October 6
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1 of 1 people (100%) found this review helpful
7.3 hrs on record
This is probably one of the only reasons my husband and I have been budgeting so well lately and we've noticed we're slowly having more money to go and do fun things. It took a bit for us to use and understand it, but after fiddling with it for a bit, it was really nice and easy to use. It's also kind of nice (and sad, when you have to pay bills) to see where all your money is going.

The software itself it very easy to use but a little confusing to understand right off the bat. We had issues figuring out exactly where to enter certain information and how to set things up. However a little bit of dinking around with it and it's pretty easy to pick up. I still haven't used all the features yet, but I'm finding the basics of the program are more than enough for my needs and a lot easier then dealing with excel.
Posted: October 5
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1 of 1 people (100%) found this review helpful
4.4 hrs on record
I can't recommend this software due to the platform limitations and big price tag.
It does not support future transactions, even for fix income and expenses. Even though it fits the "philosophy" of the software that is about being efficient now rather than planning ahead, this does add inconveniences.

As an alternative, I recommend Money Manager Ex that is completely free, open source, isn't platform limited and also has smartphone apps so you can add transactions on the go. It also allows you to program recurring and future transactions. The only disadvantage this has when compared to YNAB is the UI. YNAB's UI is simply great.
Posted: September 28
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1 of 1 people (100%) found this review helpful
65.1 hrs on record
everyone should have a budget. this goes on sale occasionally for 15 bucks and is worth every penny!
Posted: October 8
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1 of 3 people (33%) found this review helpful
18.7 hrs on record
I have had this software for awhile now and for some reason I lose my files all the time and they never back up so I have to start over again about every 3 months...... poor program and waste of money.
Posted: October 5
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1 of 7 people (14%) found this review helpful
1.7 hrs on record
You cannot plan future income with this tool, and when asked about it the devs argue with users about what the users want... pretty ♥♥♥♥ty software to be honest.
Posted: September 28
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0.8 hrs on record
Probably don't make a Steam Sale category.
Posted: October 8
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156.8 hrs on record
pretty much the only budgeting software that I understood quickly enough to keep using it.
Posted: October 3
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432.5 hrs on record
Awesome! Check out their web site for free training.
Posted: September 28
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18.0 hrs on record
The only way I would ever budget. And it's cheaper than buying a MS Office license for Excell as well. The companion app makes it really easy to actually keep track of your expenses as you can budget them on the go.
Posted: September 30
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29.0 hrs on record
Best software i've ever used when it comes to setting up budgets. Simple and easy to use the importing bank statments is super useful, I love how it comes with a phone version that syncs to it so you can update stuff on the fly.
Posted: September 30
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15.4 hrs on record
Fantastic piece of software.
Helps you to allocate your money and easily compare savings goals and expenses with the actual budget on a rolling basis.
Helps identifying Areas where you spend too much and gives an insight as to how much money you can put in less liquid assets to save.
Very forgiving if you have little time to spare and convenient of you like to update everything frequently.
Haven't tried the online guides but the software itself does the job extremely well.

Highly recommended!
Posted: September 26
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11.7 hrs on record
Amazingly easy budgeting software to help you figure out where your money is going and re-budget accordingly. It's very forgiving when you spend too much on Steam games for the month - just take out of another category. I like this a lot better than Mint or spreadsheets that I've used in the past. Plus, it gives very informative graphs and breakdowns.
Posted: October 4
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115.1 hrs on record
This is an awesome software, is unbelievable how could help me to reach my goals, i truly recommend this software.
Posted: October 9
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179.8 hrs on record
This is genuinely different than other budgeting software

The key part is the design of looking forward. The program is designed to politely edit out "mistakes". Being in the red 1 month will be null by the next one, rather than making you feel like you have to perpetually catch up.

They begin you with a 7-day course. Really, it is 7 emails, but they are great. They strip complexity and tell you basic plans to keep you finances under control.

Aside from easily earning back the $15 I paid (it was on sale), it does wonders for my mental health, always knowing exactly how much money I can spend on various things.
Posted: October 5
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9.1 hrs on record
The king of all finance softwares. I've tried a few, but this is really great. It has applications on both IOS and Android, so you can quickly add your expenses when you spend your money, wherever you are. Easy to get an overwiev when you use the PC software. Good statistics, diagrams etc...

Cons: The design is quite cool, but the IOS version is much more better than android (i don't know why do they make the same application with two completely different design...)
Posted: October 18
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44.0 hrs on record
This is by far my most used piece of software in my life, unless you count the games. YNAB is definitely one of the best budgeting tools I've ever used, and having a mobile app to help me on the go is just icing on the cake.

The only thing I wish is to be able to use more than just Dropbox to sync my budget. Not that Dropbox is bad, I just would like more options.

You need a budget, and this program will help you obtain one.
Posted: October 24
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164 of 204 people (80%) found this review helpful
1.5 hrs on record
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.
Posted: June 26
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40 of 41 people (98%) found this review helpful
533.3 hrs on record
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.
Posted: June 21
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23 of 27 people (85%) found this review helpful
21.9 hrs on record
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!
Posted: August 6
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