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.
Análises de usuários: Muito positivas (1,011 análises)
Data de lançamento: 19/dez/2012
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"If you are part of this group, you might need this tool."

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31 de dezembro de 2014

Free classes running all New Years Day!

We're running free, live classes all throughout New Years Day - book your place now!

These classes are run by professional educators, and outline how best to use YNAB. They are run as a webinar, and you can feel free to ask questions as the class runs. New Years is a great time to start budgeting, so check out the classes now!

(These classes are free whether or not you've purchased YNAB, so if you're just checking out our method, definitely feel free to jump in!)


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Most Popular Personal Finance Software: YNAB

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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Sobre este 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.

Requisitos de sistema

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
Análises úteis de usuários
4 de 4 pessoas (100%) acharam esta análise útil
21.2 hrs registradas
Publicada: 30 de dezembro de 2014
É um excelente software que te ajuda a organizar as suas finanças. Porém requer muita dedicação. Todos os seus gastos devem ser registrados e organizados por categoria, no começo é um pouco chato, mas logo vira hábito. Com o passar do mês você acaba vendo onde tem que economizar para não ficar no vermelho e aprende onde gasta mais. É muito útil e tem 100% de suporte com celulares. O preço completo é exorbitante, espere uma promoção Steam para adquiri-lo.

Nota final 10/10
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161 de 185 pessoas (87%) acharam esta análise útil
1 pessoa achou esta análise engraçada
228.2 hrs registradas
Publicada: 13 de novembro de 2014
Changed my life. Not even kidding.

- ninja edit -

Okay, I was kinda strapped for time when I put those 6 words down before, so let me elaborate now.
My finances were always somewhat nebulous. I had an idea of how my spending went from month to month; I paid my bills on time, I put aside some savings, but I couldnt say I had a really tight grasp on how I spent my income. At the end of the month, my money would whittle down and I couldnt look back and see exactly what happened. I resorted to some excel sheets but that only lasted a couple of months, and I at my next paycheck I still didnt know EXACTLY where ALL my money was going.

When I bought YNAB, I figured hey, this could help me track my spending. And it did that. But what I didnt realize, and the real bonus in using this, is that it changed the way in which I approach my spending and disposable income. How I looked at my salary was different. I had a finite amount of resources and all of it had to be accounted for. Overspending in one area means the difference had to come out from somewhere else. It helped a little with my self discipline.

And while It makes looking to the past easier, it also lets you take a peek into the future.

All my friends I've recommeded this to thank me for it, especially my girlfriend, but I have one thing to add; using this program is a lot like an investment, you get out what you put in. Spend the time behind it and make proper entries. Plan properly. It can be tedious and a little overwhelming at times, but nothing beats emailing the bank asking them where this mysterious service charge came from that you dont have a record for and being able to help with a little planning down the road.
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559 de 767 pessoas (73%) acharam esta análise útil
1 pessoa achou esta análise engraçada
1.4 hrs registradas
Publicada: 14 de novembro de 2014
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
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35 de 37 pessoas (95%) acharam esta análise útil
103.4 hrs registradas
Publicada: 25 de novembro de 2014
I was lucky to get this software while it was on sale.

This program is part personal guide and your part self-discipline. You write down what you have, the guide helps you manage, but it doesn't force you to follow it. You have to promise yourself that you don't spend anymore than what you assigned to a particular budget. If you are not self-disciplined, don't get this program. But if you want a challnege and a easy way to mange your income, get this software.

This program is so good, I forgot to turn it off while I'm at work!
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20 de 21 pessoas (95%) acharam esta análise útil
910.1 hrs registradas
Publicada: 12 de novembro de 2014
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.
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14 de 15 pessoas (93%) acharam esta análise útil
25.9 hrs registradas
Publicada: 2 de dezembro de 2014
I have actually put away some serious money and got my spending under control with this. I think these guys made a great piece of software. $60 is well worth it but if you are in dire need of a budget, this does go on sale every now and then.
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12 de 12 pessoas (100%) acharam esta análise útil
108.1 hrs registradas
Publicada: 21 de dezembro de 2014
This is the best personal finance software I have ever used.

If all you need is a finance tracker, look elsewhere. YNAB is an interactive budgeting powerhouse that has aided me in paying off all of my debt (student loans, car loans, credit cards), saving up for a down payment on a house, growing an emergency fund, starting investment accounts, and always having enough money in my checking account to cover the next months bills. My wife and I have not had an unexpected expense since we started using YNAB that we could not handle.

You're going to spend some time setting up and maintaining your budget and accounts. YNAB was not immediately intuitive. so I spent some time on their website figuring out how it worked. To use it correctly, you WILL need to take some of their short online courses or read a few articles to get the most out of it. Once you understand the rules and concepts of their budgeting approach, you will only need to update your account transactions and make minor changes to your budget each month. I usually spend an hour or two every other weekend to keep things updated as I hand enter all of my transaction. You can import to make things go faster. The companion iOS and Android apps will help reduce your time at the desktop, they are top notch, and are constantly being updated.

YNAB completely changed the way I handled my finances. I don't live month to month anymore and I don't worry about how I'm going to pay for unexpected life expenses. You will need to make a small commitment of time to get the most out of it, though. YNAB is well worth the retail price, but you can usually get it lower during Steam sales.
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14 de 16 pessoas (88%) acharam esta análise útil
949.8 hrs registradas
Publicada: 7 de novembro de 2014
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.
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10 de 10 pessoas (100%) acharam esta análise útil
1 pessoa achou esta análise engraçada
327.6 hrs registradas
Publicada: 17 de dezembro de 2014
Good Expense Tracking, Even Greater Budgeting.

I've been using some Expense Tracking app (which is available in Google Play) - with export data features and creates my own Spreadsheet to mess around with the data using PowerPivot features.

And I thought I'm already on the right track. One thing I realized after I found YNAB is - I've been doing it wrong. Well to be fair, not 100% wrong but definitely not doing the best I could (for my personal finances).

I have been just doing EXPENSE TRACKING and REACTING to the end results of my tracking, and that's it. Nothing more, nothing less. I know where I overspent, but does not have proper PLAN to action against it; and that's how limited "Expense Tracking" could bring you to.

After finding out about YNAB, I realized that I could do better - instead of track & react, I should be planning, tracking, and take corrective actions; a.k.a "Budgeting". With this software, it combines everything that I currently have (Android App + Custom Spreadsheet) PLUS bonus features - which I could not replicate in my Custom Spreadsheet. If you haven't give it a try and are looking for personal finance app/software, you SHOULD give it a try.

They have 34-days free trial. Go explore!
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8 de 8 pessoas (100%) acharam esta análise útil
1 pessoa achou esta análise engraçada
0.3 hrs registradas
Publicada: 31 de dezembro de 2014
Really amazing budgeting software!

-Simple and easy to use.
-You don’t have to give it access to your bank or any of your logins, etc. But it can import bank statements so you can avoid a lot of manual entry. But the app makes it a breeze.
-The companion app is amazing (goes through Dropbox as a "cloud")
-You can install it on as many computers and devices as you want, no limit. Also, all of them will sync up without issue.
-Makes you really aware of your spending in different categories.
-I've already saved a lot of money by using it to monitor my spending!

-It doesn't let you plan for your next paycheck very well, It goes month to month and it won't let you put in a "I will have this paycheck mid month" by default. There's a quick way around that though by creating a Paychecks category and putting a negative value for whatever that paycheck is.
-The system is very designed to get you to the point where you are paying for everything one month ahead (as in, everything I pay for this month comes from last month's paychecks). It's part of their philosophy for the best financial system but it's impractical to force that on people from the start. It takes a long time for people to not be paycheck to paycheck.

Hands down, still the best accounting program I’ve ever used.
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17 de 25 pessoas (68%) acharam esta análise útil
41.4 hrs registradas
Publicada: 16 de novembro de 2014
Very easy to use. Helps me track spending habits and set money aside for monthly/annual costs.
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11 de 14 pessoas (79%) acharam esta análise útil
1 pessoa achou esta análise engraçada
1.0 hrs registradas
Publicada: 9 de janeiro
Its like EVE Online but without spaceships

10/10 would not become hobo
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11 de 14 pessoas (79%) acharam esta análise útil
1 pessoa achou esta análise engraçada
0.5 hrs registradas
Publicada: 31 de dezembro de 2014
Spent 15 Dollars on something that will help me stop spending money on things

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8 de 9 pessoas (89%) acharam esta análise útil
265.6 hrs registradas
Publicada: 10 de janeiro
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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6 de 6 pessoas (100%) acharam esta análise útil
6.1 hrs registradas
Publicada: 31 de dezembro de 2014
Gameplay Whoops

What It Is

You Need A Budget YNAB from here on is a budgeting software that the average person or small business owner can use to balance their budget, figure out where your actual cash is going, and where you can afford to save money in the long term. This is very simple to use, however you can do alot with it past what is obvious. This can and will help you significantly.

What it's NOT

This is NOT going to do the work for you. I have used MINT.com as I'm sure most who will read this have. This is not MINT, MINT is like the trailer when this is the mansion in the gated community as for what it can do to your budget. This will not magically ensure you have cash in hand at the end of the month, it won't invest for you, and it doesn't have a ton of additional tools. It's budgeting software and it's does its job amazingly without costing hundreds of dollars and without being bogged down by tons of near useless bells and whistles like some other software.

My Opinion - Why to buy it - What could be improved

First off, if you didn't buy it while it was 75% off you missed out. It's still worth its sticker price in my opinion so don't feel like you aren't getting your dollars worth. A huge part of what makes this worth it is the mobile app (YNAB) that you can use when you have the computer version bought and up and running. It's easy to set up and you can track your expenses at the point of sell while it's fresh in your mind or the receipt is in hand. This is very valuable and the app looks like it has had alot of work to get it where it's at. I haven't ran into a bug yet.

On to the Software program itself. Can this be accomplished on an Excel Spreadsheet? Yes. Have I used that method before? Yes. Would I go back to it after using this software? No way. It's that simple. It's very simple to use, I don't worry about formulas, rows, columns, tabs, functions, etc. That's all great and sounds like fun right, but I can't fathom dealing with it after using this. I recommend it whole heartedly and am starting to wonder why you are reading this instead of getting it on sale.

The concept and their 4 step process is simple enough. If you have heard Dave Ramsey, amazing guy who has helped a lot of people. You will know what they are talking about and how it helps to balance a budget. Google or youtube him and you will be improving yourself financially. To put it simply you give EVERY dollar a job when you get it. Every dollar will be going to a certain expense. Those could be anything from Rent, electric, to GAMES or Emergency Savings. The important part is you have to input your expenses for this to work and you have to be honest and not cheat your own budget. If you do that, then at the end of the month you can see where you overspent and the next month be able to change that or adjust your budget to compensate for overspending in one area.

Lastly I would like to see a few improvements. I would like to see additional tools for one. Maybe a tool to help with debts and a planner to pay them off, something to help you determine what to pay off in what order, and a way to let that tool function with and utilize your budget tool. I think alternate methods to budgeting would be useful for them to introduce. They talk alot about their 4 step process and don't cover other methods. They suggest using money that you didn't spend one month and let it roll over to the next and to continue the process until an entire months expenses are paid for by the previous. I can see how that would be useful but I feel like it's not encouraging much savings or investing. Maybe they are assuming the individual doesn't have alot to save or invest. I see the pitfall is after a few months the person will see that excess or rollover money and instead of giving it a job they will spend it on a large purchase or several smaller ones since it was never put into savings or invested when there was the chance. Granted a lot would be disciplined and maybe they are assuming that will be the case.

Those are just my opinions however, make your own purchase if you decide it's for you. Everything they give you will save you more than the $60 in the short term most likely if you are honest with the budget. Living month to month was not fun as a teenager and college student. I would have loved this back then. I didn't have the time or will to go make spreadsheets back then and I know most teenagers don't now. This is very useful for all ages and incomes though. I have a brother in law who make over $230,000 a year and I make less than half of what he does and I have more savings and a better budget, so regardless of income level people can and do blow all of their money. This will help you out and I recommend it.

Save yourself money starting now, so by the summer sale you can have more expendable income to buy more cheap games!!

EDIT: Also you can try this software on their website for over 30 days for free. I would give that a try. Then again it's 25% off right now and might not be by the time 30 days is over. Consider that as well.
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6 de 6 pessoas (100%) acharam esta análise útil
17.4 hrs registradas
Publicada: 30 de dezembro de 2014
There isn't a game on Steam that can make you feel as powerful as YNAB does. It'll change your mindset from Day 1.
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7 de 9 pessoas (78%) acharam esta análise útil
1 pessoa achou esta análise engraçada
203.4 hrs registradas
Publicada: 31 de dezembro de 2014
Spent $15, came out with $100 more a semester. A+ way to not totally screw yourself over in college.
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4 de 4 pessoas (100%) acharam esta análise útil
233.6 hrs registradas
Publicada: 6 de dezembro de 2014
I am not actually using this software for its actual purpose. I am not using it for budgeting in the slightest. It is simply a fantastic way for me to keep tabs on my business expenses. It works remarkably well and knowing exactly what I am spending and when has meant that I am able to keep track of my finances wonderfully. There are plenty of features that I have yet to dive into and I doubt I ever will. For my purposes this software is great (and I paid full price!)
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8 de 12 pessoas (67%) acharam esta análise útil
1.0 hrs registradas
Publicada: 13 de novembro de 2014
Added all my expenses and earnings, remainder was less than zero. 10/10 *tears*
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3 de 3 pessoas (100%) acharam esta análise útil
192.9 hrs registradas
Publicada: 30 de dezembro de 2014
Absolutely my favorite piece of budgeting software. When I first started using it It was like I had gotten a raise.
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