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: Very Positive (1,060 reviews)
Release Date: Dec 19, 2012
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Buy You Need A Budget 4

 

Recommended By Curators

"If you are part of this group, you might need this tool."

Recent updates View all (8)

June 4

New YNAB Version [4.3.758 (Mac) & 4.3.761 (Win)]

This new version handles DropBox's changed settings file location correctly, so new installs will be able to find DropBox correctly.

That's all :)

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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
Helpful customer reviews
79 of 107 people (74%) found this review helpful
1 person found this review funny
1.0 hrs on record
Posted: January 9
Its like EVE Online but without spaceships

10/10 would not become hobo
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16 of 17 people (94%) found this review helpful
1 person found this review funny
273.5 hrs on record
Posted: January 10
First thing first, I gotta say I'm a meticulous person when it comes to tracking income and expense. I had a big Excel sheet with all kinds of formula to track my income, expense, when I receive or spend money, how much I loan from people and how much people loan from me etc. That said, I was looking for a better solution to track all of them. When this was on sale, I looked at it, checked some videos, tried the demo and loved it - so I bought it. Sleek, clean interface and easy to use budgeting software.

Now on to the review:

Basically there are two basic steps to using YNAB, you write down all your money you have and budget it, then spend it based on the budgets you set up. There are premade categories like Giving or Monthly Bills that each have its own sub-categories. This mostly will have you covered, but for my own case I needed to set up some more master categories and appended subs into them. You shouldn't have any problem as the interface shows everything you want to do. Moreso, it tracks as you go. So example, if you input more budget than money you have in your pocket, it will show red mark above the budget sheet. Or if you spend more than your current budget category, it will automatically put your next month's budget in red as well. But don't worry, be flexible and try to rearrange the budget to other categories to keep you in green. The software allows that, that's what makes it fun to use.

The software also lets you to import your bank statement in case you want to make things a bit easier. I don't spend many things online or thru bank except taking my salary for daily life or some online spending *cough cough buying games on Steam cough* so have no big use for this feature. I'm sure some people will rely on it, though.

And in case you are curious, this software supports many currencies. It does have my IDR currency. It doesn't offer any complicated tax or accounting system - it's beyond this software's scope.

After finish inputting, you can opt to see the reports which are straightforward and cover everything you want to see from your spending behavior. There are five master report formats to use, Spending by Category, by Payee, Trends, Income vs Expense and Net Worth. This allows you to give perspective on your Income vs Expense, and will help you to arrange for next budgeting. Unfortunately you can't add or edit these formats as they're pre-made so if you need anything else you're stuck.

I personally have been using this software for days and am very satisfied with it. You need self-discipline, of course, to follow your own budgets AND to write down your spending. Don't make some small transactions pending due to your own laziness, input them as soon as possible. Make it your habit! Remember, the key to success in budgeting is how you follow what you set up for your own good. There is even a mobile app that lets you to enter the expense as you go and sync it thru Dropbox to your master YNAB files in PC. So far it's available for Android and iOS. No plan for Windows Mobile from what I heard.

Steam's YNAB copy is not dependent of Steam, so in fact you can run it without Steam running as it utilizes none of those Steamworks features (no achievements etc). But if you're annoyed with Steam (why would you be????) because 'using software in conjunction with Steam is all wrong' then you can get non-Steam copy from Developer's website. Use the serial Steam gives you to activate that copy. As long as it's for personal use, the license grants you the capability to install on several machines e.g family PC and work PC and have them synced together. Very handy.

All in all, although 60 USD is a bit steep, YNAB is very useful. I admit I won't buy it at that price (I just don't like spending 60 USD for a non Software except Microsoft Office or Windows - personal restriction :rfacepalm:), but if you don't think like me and need a budgeting software, look no further - YNAB has all you need.

YNAB also is on sale maybe twice a year during Steam big Summer and/or Winter sales if you're on the fence. Last time I got it for 75% off (8 USD equivalent of my currency in Rupiah).

Lastly, first time ever I recommend a software positively on Steam. Hey that's a record of its own. :)

(now excuse me, I overspent on my Games Purchases category this month.... dang it...)
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11 of 13 people (85%) found this review helpful
1 person found this review funny
1,792.9 hrs on record
Posted: February 3
I used this software a bit. Kinda liked it.
Was this review helpful? Yes No Funny
4 of 4 people (100%) found this review helpful
28.0 hrs on record
Posted: January 5
Unlike others, I will not claim that this is easy to use software, the drawback is the initial steep learning curve and the commitment you need to make. If you move past that, the reward is money in the bank, literally.

I chose this because it was on sale and I was tired of not seeing what money I had and where it was going.

I only started using it today and at first entered some things, got a bit overwhelmed, thought money wasted and turned away. Then I sat back down, and started learning. I entered my chequings, savings, rrsp, tfsa, loans, credit cards (I left out paypal since it links to my cc), anything and everything that was money. First I learnt the distinction between on and off budget accounts. Then I learnt where to budget money. How to deal with my pre YNAB debts without having my new spending obscure it. How to move money between accounts and to off budget accounts. How to add expenses. I do have foreign accounts and yes, having only one currency available at a time in YNAB makes it difficult, but not impossible. I have my Euro account listed, simply with a note saying it is Euros not CAD, if I transfer out I add a separate transaction for the difference conversion creates, be it negative or positive.

I spent five hours today learning how YNAB truly works and how to use it. I invested that time to make money and if all goes well, end of the month I will be a few hundred ahead of budget.


I fully intend to recommend it to others that I know struggle with their finances. It is a small investment in the long run.
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3 of 3 people (100%) found this review helpful
160.8 hrs on record
Posted: January 8
This is a great piece of software to use for creating a budget. Keep in mind that it is different than some of the other programs in that it does not automatically pull in your bank information. Additionally it treats your money a little different. Rather than simply budgetting for the bills you have, it makes you give each dollar a "job" as they call it. I feel like requiring me to define the job for each dollar and keep track of my money by entering transactions keeps me on top of my budget. I have also used the iOS and Unofficial Windows Phone app to enter my transactions and they work great. I would definitely recommend this software.

I would see if you can wait until it is on sale thought. Generally goes on sale for $14.99 during major sales.
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