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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.
Release Date: Dec 19, 2012
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Recent updates View all (5)

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

April 29th, 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

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

April 27th, 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: http://www.youneedabudget.com/business

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: http://www.youneedabudget.com/blog/2014/divvy-for-ynab-is-here-an-unofficial-windows-phone-app-for-ynab/

Cheers,
-Ian

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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 the 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.

PC System Requirements

    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

Mac System Requirements

    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
1,017 of 1,104 people (92%) found this review helpful
252 products in account
2 reviews
61.0 hrs on record
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.


Posted: March 26th, 2014
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77 of 101 people (76%) found this review helpful
331 products in account
53 reviews
0.7 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 26th, 2014
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20 of 20 people (100%) found this review helpful
80 products in account
1 review
508.5 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 21st, 2014
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14 of 16 people (88%) found this review helpful
1,209 products in account
2 reviews
5.3 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 6th, 2014
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15 of 21 people (71%) found this review helpful
186 products in account
1 review
0.6 hrs on record
Eve Online has really changed since I last played, they cut out all the boring stuff and just left the core gameplay. 9/10 will spreadsheet again!
Posted: June 26th, 2014
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