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:
Overall:
Very Positive (1,259 reviews) - 92% of the 1,259 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
Overall:
Very Positive (1,259 reviews)
Recently Posted
melgesevad
2.2 hrs
Posted: August 22
Depressing. A no-win rogue-like with a crushing difficulty. Can't not stop playing.
Helpful? Yes No Funny
chiuta764
672.8 hrs
Posted: August 18
This software will change your financial life for the better if you follow their philosophy. Plus it will help you get through all those Steam sales without breaking the bank.
Helpful? Yes No Funny
adm
512.0 hrs
Posted: August 18
Good for what it does, didn't appreciate having to pay again to upgrade to the next version so I didn't. I now use a paid alternative based on iOS (pay once, importantly).
Helpful? Yes No Funny
insubordinator
18.6 hrs
Posted: August 13
Completely not worth $60. Decent budget software for a simple budget but company is moving to subscription based service to be able to use any new feature they advertise. Look for another option and I'm sure you'll be able to find a free one with more features.
Helpful? Yes No Funny
Wufenopolis
213.4 hrs
Posted: August 11
I've paid off several thousand dollars of debt after purchasing this program. Extremely user friendly and once you get your budget set up, it's really easy to start tracking your expenses and take control of your finances. Would recommned this to anyone, especially folks ready to get out of debt.
Helpful? Yes No Funny
zakhov
86.2 hrs
Posted: August 5
This software brings out a prudent side of me that I never knew existed.

Somehow that makes me happy and but slightly more boring to the people I usually go out with.

Helpful? Yes No Funny
therealbeal
136.9 hrs
Posted: July 16
Awesome program, love the helpful tips, that is what helps you be successful at sticking to a budget.
Helpful? Yes No Funny
[LoFR] Awesomesarus
772.2 hrs
Posted: July 9
Amazing software, been using for 2.5 years and would reccomend this to anyone.
Helpful? Yes No Funny
Joshua Kong
131.7 hrs
Posted: July 7
The best finance software I've ever purchased. It teaches me the core rule of budgeting and I've never look back in saving and budgeting money. Save me tons of headache with this reliable software. Thumbs up.
Helpful? Yes No Funny
Manax
30.4 hrs
Posted: July 5
This is my favourite videogame. It tells me how much money I waste on videogames.

But seriously if you want to find out what stupid ♥♥♥♥ you waste money on this is a great way to put a number on that.
Helpful? Yes No Funny
Most Helpful Reviews  In the past 30 days
8 of 9 people (89%) found this review helpful
4 people found this review funny
Recommended
86.2 hrs on record
Posted: August 5
This software brings out a prudent side of me that I never knew existed.

Somehow that makes me happy and but slightly more boring to the people I usually go out with.

Was this review helpful? Yes No Funny
4 of 5 people (80%) found this review helpful
1 person found this review funny
Not Recommended
18.6 hrs on record
Posted: August 13
Completely not worth $60. Decent budget software for a simple budget but company is moving to subscription based service to be able to use any new feature they advertise. Look for another option and I'm sure you'll be able to find a free one with more features.
Was this review helpful? Yes No Funny
1 of 1 people (100%) found this review helpful
2 people found this review funny
Recommended
2.2 hrs on record
Posted: August 22
Depressing. A no-win rogue-like with a crushing difficulty. Can't not stop playing.
Was this review helpful? Yes No Funny
2 of 3 people (67%) found this review helpful
Recommended
213.4 hrs on record
Posted: August 11
I've paid off several thousand dollars of debt after purchasing this program. Extremely user friendly and once you get your budget set up, it's really easy to start tracking your expenses and take control of your finances. Would recommned this to anyone, especially folks ready to get out of debt.
Was this review helpful? Yes No Funny
Most Helpful Reviews  Overall
1,196 of 1,290 people (93%) found this review helpful
98 people found this review funny
Recommended
69.3 hrs on record
Posted: March 26, 2014
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.


Was this review helpful? Yes No Funny
2,914 of 3,305 people (88%) found this review helpful
25 people found this review funny
Recommended
15.6 hrs on record
Posted: January 2, 2014
Kind of like EVE Online except it's with real money.
Was this review helpful? Yes No Funny
348 of 370 people (94%) found this review helpful
Recommended
223.5 hrs on record
Posted: November 25, 2013
I've always have a vague idea of how much money I make versus my expenditures. I've tried to make my own budgets in excel but my lack of a basic understanding of a budget made it pretty useless. I picked this up on sale for about $15 and I'm very glad I did. It gave me a crystal clear view of my finances complete with graphs and charts. I had a small amount of debt that YNAB helped me get out of, all while still saving towards my own goal of home ownership. I'm 100% unworried by living paycheck to paycheck, and soon enough I'll have an emergency fund to ensure my own peace of mind. Steam is amazing for games, but this single program improved my life significantly.
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152 of 165 people (92%) found this review helpful
Recommended
1,085.9 hrs on record
Posted: December 28, 2013
This sofware has proven to be a huge help to my family finance. I've heard criticisms that it's really a glorified spreadsheet, and I can understand that it may appear that way. But the fact is that it really helped me to (first) track my spending and (second) plan my spending more carefully based on my income. It's also a nice help that the manufacturer sends a series of emails to get you started, adding things to think about while you set up your budget. This one-step-at-a-time process made the transition easy. I also took advantage of one of the on-line seminars that are offered as part of the package.

There is nothing earth-shattering here, but for anyone who wants to get control over their home finanaces and isn't sure where to start, I would say THIS is the place to start.
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144 of 155 people (93%) found this review helpful
2 people found this review funny
Recommended
65.1 hrs on record
Posted: August 6, 2014
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 Funny
268 of 319 people (84%) found this review helpful
18 people found this review funny
Recommended
1.5 hrs on record
Posted: June 26, 2014
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.
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