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 (741 reviews)
Release Date: Dec 19, 2012
Popular user-defined tags for this product:

Sign in to add this game to your wishlist or mark as not interested

Buy You Need A Budget 4


Recommended By Curators

"Help to budget your hugpillow and anime figs."

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

- 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.

- 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.

1 comments Read more


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

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

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
    • 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
    • Memory:1 GB RAM
    • Other Requirements:Broadband Internet connection
    • Additional:Minimum OS version is: Mac OS X v10.6
Helpful customer reviews
9 of 11 people (82%) found this review helpful
1.2 hrs on record
Posted: November 14
Don't let my negative review fool you...

YNAB is a great product, they put a lot of time and energy into it and do a great deal to teach people how to manage their finances.

I give it a NO vote because there is no currency conversion, as an expat that one little omission makes it unuseable for me. Yes, I can input what I was paid in the currency I get paid in, but all my bills are in another currency that is constantly changing. To add to the matter my family is in another country that pays bills and buys food in yet another country.

If you are based in one country and you don't have this problem YNAB is a great way to go...but if you are more than one currency its a PITA
Was this review helpful? Yes No
4 of 4 people (100%) found this review helpful
37.9 hrs on record
Posted: November 16
Very easy to use. Helps me track spending habits and set money aside for monthly/annual costs.
Was this review helpful? Yes No
2 of 2 people (100%) found this review helpful
46.5 hrs on record
Posted: October 24
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.
Was this review helpful? Yes No
2 of 2 people (100%) found this review helpful
47.4 hrs on record
Posted: October 30
Been using for three months now..... AMAZING. Initially i was bumbed that you had to manual input spendings/earning but now realise exactly why the developers have done this ! Went and lashed out on a few games last month... usually i wouldnt think twice about it, money was in the bank why not. Now with this i have to take money out of a catagory and add it to the " gaming " really did help me realise that just becuase the money was present in the bank doesnt mean it was ' free to use it '. Brilliant !
Was this review helpful? Yes No
2 of 2 people (100%) found this review helpful
24.9 hrs on record
Posted: November 10
Just the best budgeting software I know. Use this for 2 years now and it's pretty awesome!
Was this review helpful? Yes No
2 of 2 people (100%) found this review helpful
882.4 hrs on record
Posted: November 12
I can't complain about this program at all. No matter what you are doing with money, it always ends up being tedious when managing a budget. This software is easy to use, streamlines the application of a flexible budget by giving you access to edit values on the fly and providing links to the info you need. What i mean is, if you are questioning a certain expense, hovering over the item in question provides info and takes you to the transaction when you click. It also collects the information and presents it to you in graphs which i thought was nice.
Was this review helpful? Yes No
1 of 1 people (100%) found this review helpful
174.7 hrs on record
Posted: October 31
I'll make this sweet and short: get it, it is ABSOLUTELY worth the money (and some).
Was this review helpful? Yes No
1 of 1 people (100%) found this review helpful
99.1 hrs on record
Posted: November 3
This software has easily changed my life. I used to struggle with budgeting, and I reduced myself down to relying on pure Excel. Even with Excel, I still was not doing well with my overall budget and I kept missing my targets.

YNAB has changed all of that and I actually enjoy budgeting now because I can get a great view on my upcoming savings, and my ability to take a vacation.

I highly recommend this to anyone who needs budgeting help.

I will admit, at first, I didn't get it. I watched the videos, and I found myself struggling. I finally said 'screw it' and brought in my last month's budget/expenses/etc. After moving items around and such, it finally clicked in my head, and it's been amazing ever since.

Take note, I did get mine on a special sale (Black Friday I believe?) It is still definitely worth the $60.

(Former Excel/Microsoft Money/Quicken budgeter)
Was this review helpful? Yes No
1 of 1 people (100%) found this review helpful
173.0 hrs on record
Posted: November 13
Changed my life. Not even kidding.
Was this review helpful? Yes No
2 of 3 people (67%) found this review helpful
1.0 hrs on record
Posted: November 13
Added all my expenses and earnings, remainder was less than zero. 10/10 *tears*
Was this review helpful? Yes No
1 of 2 people (50%) found this review helpful
13.4 hrs on record
Posted: October 25
A must have budgeting tool, sure you can build one in excel but this is already done and give you some good guidelines to keep your balance in the green.
Was this review helpful? Yes No
53.6 hrs on record
Posted: November 19
This app helps me save tons of money each month! Well worth the price!!!
Was this review helpful? Yes No
684.7 hrs on record
Posted: November 7
I've been using YNAB for the last two years and it has been very helpful to me to manage my budget and track my spending. Be sure to read through the YNAB website to understand the 4 rules of their method: 1) give every dollar a job, 2) save for a rainy day, 3) roll with the punches and 4) live on last month's income.

As I recall, it took a little while for me to learn the software but there's lots of helpful support info (just google your question) and it's really worth the time it takes to learn; after two years, it's easy and natural to use, fullfilling most of my budgeting needs. I think learning the software also changes the way I've thought about money and how to organise it -- for the better. Definitely recommend this software if you're looking for help in managing your money.
Was this review helpful? Yes No
2.1 hrs on record
Posted: November 21
Easy to use, easy to learn, and really puts your expenses and spending habits in stark relief, which is the first step to changing them for the better. YNAB can put you on the road to the Promised Land of paying this month's bills with last month's money, as long as you can actually FOLLOW your budget.

And no, there's no "Steam Sale" category in expenses, but luckily YNAB lets you create your own. :)
Was this review helpful? Yes No
168.4 hrs on record
Posted: November 5
This is one of the best tools I have ever used. It helps my wife and I sync or spending on our phones and establish a budget on the PC. It has help us transtion from engagement to a great first year of marriage. Get control over your $! The is worth every cent.
Was this review helpful? Yes No
116.5 hrs on record
Posted: November 9
A lot of my friends and colleagues track their finances in Excel, I used to as well. I bought this during the winter sale for pretty cheap so that I could have something to track my income vs. spending a little easier. One of the best purchases I could have made. Makes my life 100x easier. Amazing for tracking income vs. spending and allocating every dollar that you have somewhere, managed to get the wife on-board and assisting with setting monthly budgeted amounts and now she's becoming much more financially savvy as well. Highly recommended if you want to start to get organized, great for tracking income that won't be reported on slips, tracking debt, bill comparison etc.
Was this review helpful? Yes No
21.9 hrs on record
Posted: November 23
Picked this up back when it was on sale. Seriously, even at full retail price... this software is so worth it. It will change your life.
Was this review helpful? Yes No
177 of 218 people (81%) found this review helpful
1.5 hrs on record
Posted: June 26
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.
Was this review helpful? Yes No
42 of 43 people (98%) found this review helpful
545.8 hrs on record
Posted: June 21
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.
Was this review helpful? Yes No
24 of 28 people (86%) found this review helpful
26.8 hrs on record
Posted: August 6
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!
Was this review helpful? Yes No