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.
Évaluations des utilisateurs : Très positive (798 évaluation(s))
Date de parution: 19 déc 2012
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16 septembre

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

Better
- 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.

Fixed
- 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.

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Articles

Logiciel de gestion financière le plus populaire : YNAB
Lifehacker

Meilleur logiciel pour Windows de gestion financière : You Need A Budget
http://financialsoft.about.com/od/reviewsfinancesoftware/ss/Best-Personal-Finance-Software-Best-Tax-Software_2.htm

YNAB a dépassé mes attentes de bien des manières
10/10 – Mac.AppStorm

Free Live Classes (No purchase required)

Steam Greenlight

À propos de ce logiciel

"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.

Configuration requise

Windows
Mac OS X
    Minimum : Windows XP
    • Processeur : 2.33 GHz ou plus rapide, compatible 32 bit ou Intel Atom™ 1.6 GHz ou plus rapide pour les portables
    • Mémoire vive : 512 Mo de RAM
    • Disque dur : 100 Mo d'espace disque disponible
    Recommandée :
    • Mémoire vive : 1 Go de RAM
    • Autres : Connexion Internet haut débit
    • Supplémentaire : Le système d'exploitation minimal requis est Windows XP
    Minimum : Mac OS X v10.6
    • Processeur : Intel® Core™ Duo 1.83 GHz ou plus rapide
    • Mémoire vive : 512 Mo de RAM
    • Disque dur : 100 Mo d'espace disque disponible
    Recommandée :
    • Mémoire vive : 1 Go de RAM
    • Autres : Connexion Internet haut débit
    • Supplémentaire : Le système d'exploitation minimal requis est Mac OS X v10.6
Évaluations intéressantes des utilisateurs
4 personne(s) sur 4 (100%) ont trouvé cette évaluation utile
33.1 heures en tout
Posté le : 29 juin
Avant d'utiliser YNAB, je me connectais de temps en temps à compte bancaire et le regardait comme on regarde un tirage de loterie ; j'espérais que ça soit bon mais craignait le pire.

Avec YNAB, en plus de savoir exactement où j'en suis, j'arrive à totalement rationaliser mes dépenses en élaborant des budgets cohérents et planifier mes investissements futurs. Les nombreux outils de suivi permettent de très bien voir où est parti mon argent et de détecter les mauvaises tendances à améliorer. La série de vidéos et de conseils par mail est de même très utile pour améliorer sa gestion.

En bref, YNAB m'a apporté une sérénité incroyable dans la gestion de mon argent et je ne saurai plus m'en passer. Je recommande à 100%

Cela nécessite néanmoins une certaine rigueur avec la volonté d'actualiser ses dépenses et de suivre régulièrement dans YNAB, sinon c'est comme les bonnes résolutions oubliées ; cela ne sert à rien.
Cette évaluation vous a-t-elle été utile ? Oui Non
29 personne(s) sur 34 (85%) ont trouvé cette évaluation utile
28.6 heures en tout
Posté le : 6 août
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!
Cette évaluation vous a-t-elle été utile ? Oui Non
38 personne(s) sur 55 (69%) ont trouvé cette évaluation utile
1.4 heures en tout
Posté le : 14 novembre
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
Cette évaluation vous a-t-elle été utile ? Oui Non
18 personne(s) sur 20 (90%) ont trouvé cette évaluation utile
131.6 heures en tout
Posté le : 22 septembre
If you are tired of making spreadsheets or need a simple yet effective solution to budget your money, YNAB is for you as it does it's job pretty decently. YNAB may be a bit lacking in features such as taking account of interest rates, importing bank statements and so on but the philosophy behind YNAB can be helpful to keep you in the black. It is also useful for international users as Mint does not support majority of the banks around the world.

Personally, I had found that this budgeting approach had helped me into developing "spend within your means" habit while encouraging me to save up for future such as an upcoming Steam sales or a new GPU for my PC. However, the YNAB's approach of personal finance will require you to be more proactive in your spending where you should be recording down each expense as soon as possible to make the most out of it. To make things easier, there is also a good mobile app for iOS and Android for you to keep track of your expense on the go then sync into your dropbox where you can access your data on both your PC and mobile devices.

I have been using it for almost a year and I found the software to be useful for my personal finance. I do recommend this software.
Cette évaluation vous a-t-elle été utile ? Oui Non
10 personne(s) sur 11 (91%) ont trouvé cette évaluation utile
14.7 heures en tout
Posté le : 6 octobre
At the risk of sounding corny, using this software properly, and following YNAB's advice on budgeting can have a transformative effect on your finances. I was earning enough, but not ending up with enough, month after month, every time. YNAB's methodology of giving every dollar a job as soon as you get it (spending money IS a job!) makes a huge difference, and the software itself, after getting over a bit of a learning curve, makes keeping up with your finances vastly easier.

Don't be fooled into thinking this is just an off-brand Quicken. The difference between Quicken and YNAB is the diffrerence between watching your money closely as it disappears, and and plugging the leaks that let your money vanish, before it can. I truly can't speak positively enough about YNAB, and recommend it to absolutely anyone with an income.
Cette évaluation vous a-t-elle été utile ? Oui Non
9 personne(s) sur 10 (90%) ont trouvé cette évaluation utile
39.1 heures en tout
Posté le : 16 novembre
Very easy to use. Helps me track spending habits and set money aside for monthly/annual costs.
Cette évaluation vous a-t-elle été utile ? Oui Non
6 personne(s) sur 6 (100%) ont trouvé cette évaluation utile
15.3 heures en tout
Posté le : 30 juillet
YNAB is by far, the best budget software I've seen. Having said that, I think the normal price is a bit high, try to get it on a steam sale or talk with the devs, maybe they can give you a discount :)
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6 personne(s) sur 6 (100%) ont trouvé cette évaluation utile
79.9 heures en tout
Posté le : 25 novembre
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.
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5 personne(s) sur 5 (100%) ont trouvé cette évaluation utile
10.9 heures en tout
Posté le : 28 juin
You hear people joke about some of these softwares and treat them like jokes; however, this is the real deal. It's got an easy setup that you can jump right into. It provides you with a list of daily needs and possiby future ones. You simply allocate all the money you think you will spend (you can estimate) and adjust accordinly. You want to record every transaction you make whether it's a deposit or simply buying Subway. I think of it as a game, I want my budget to stay green and then rollover to the next month without worrying.

Sure, you could set this up in Excel, and if you perfer that do so. I like the convenience and mobility (mobile apps) of it. It's never to late to start budgeting.
Cette évaluation vous a-t-elle été utile ? Oui Non
4 personne(s) sur 4 (100%) ont trouvé cette évaluation utile
105.3 heures en tout
Posté le : 3 novembre
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)
Cette évaluation vous a-t-elle été utile ? Oui Non
4 personne(s) sur 4 (100%) ont trouvé cette évaluation utile
38.0 heures en tout
Posté le : 28 juin
Wasn't expecting to come out of this recent steam sale with a budgeting program... but this one is actually really good. I've always been good at looking at my money history and going "that was a mistake"... but I've never been good at budgeting. So far so good with this program. Excellent layout, excellent tutorials, and excellent advice so far. Would recommend!
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4 personne(s) sur 4 (100%) ont trouvé cette évaluation utile
204.4 heures en tout
Posté le : 13 novembre
Changed my life. Not even kidding.
Cette évaluation vous a-t-elle été utile ? Oui Non
4 personne(s) sur 4 (100%) ont trouvé cette évaluation utile
892.7 heures en tout
Posté le : 12 novembre
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.
Cette évaluation vous a-t-elle été utile ? Oui Non
3 personne(s) sur 3 (100%) ont trouvé cette évaluation utile
49.5 heures en tout
Posté le : 30 octobre
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 " catarogy....it really did help me realise that just becuase the money was present in the bank doesnt mean it was ' free to use it '. Brilliant !
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3 personne(s) sur 3 (100%) ont trouvé cette évaluation utile
24.4 heures en tout
Posté le : 2 décembre
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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3 personne(s) sur 3 (100%) ont trouvé cette évaluation utile
13.0 heures en tout
Posté le : 5 octobre
This is probably one of the only reasons my husband and I have been budgeting so well lately and we've noticed we're slowly having more money to go and do fun things. It took a bit for us to use and understand it, but after fiddling with it for a bit, it was really nice and easy to use. It's also kind of nice (and sad, when you have to pay bills) to see where all your money is going.

The software itself it very easy to use but a little confusing to understand right off the bat. We had issues figuring out exactly where to enter certain information and how to set things up. However a little bit of dinking around with it and it's pretty easy to pick up. I still haven't used all the features yet, but I'm finding the basics of the program are more than enough for my needs and a lot easier then dealing with excel.
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3 personne(s) sur 3 (100%) ont trouvé cette évaluation utile
257.9 heures en tout
Posté le : 5 octobre
This is genuinely different than other budgeting software

The key part is the design of looking forward. The program is designed to politely edit out "mistakes". Being in the red 1 month will be null by the next one, rather than making you feel like you have to perpetually catch up.

They begin you with a 7-day course. Really, it is 7 emails, but they are great. They strip complexity and tell you basic plans to keep you finances under control.

Aside from easily earning back the $15 I paid (it was on sale), it does wonders for my mental health, always knowing exactly how much money I can spend on various things.
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3 personne(s) sur 3 (100%) ont trouvé cette évaluation utile
1.1 heures en tout
Posté le : 16 août
You win when you're spending money from last year's paycheck.
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2 personne(s) sur 2 (100%) ont trouvé cette évaluation utile
21.9 heures en tout
Posté le : 10 juillet
If you've a paying job and a lot of expenses in your life, you might want to consider getting YNAB4 to get a better idea of how you're spending your money.

Also, if your working hours are sporadic, the developers have also released a blog post talking about how to budget around an inconsistent income.
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2 personne(s) sur 2 (100%) ont trouvé cette évaluation utile
731.6 heures en tout
Posté le : 7 novembre
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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