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.
Nutzerreviews: Sehr positiv (1,076 Reviews)
Veröffentlichung: 19. Dez. 2012
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You Need A Budget 4 kaufen


Von Kuratoren empfohlen

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

Kürzliche Updates Alle anzeigen (8)

4. Juni

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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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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Über diese 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.


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
Hilfreiche Kundenreviews
5 von 5 Personen (100%) fanden dieses Review hilfreich
65.8 Std. insgesamt
Verfasst: 14. Februar
Die Software ist super. Ich habe Sie jetzt über ein Jahr im Einsatz und bin immer noch begeistert. Der Einstieg ist etwas holprig, aber es gibt auf Youtube ein paar sehr gute Tutorials auf Deutsch die einem die ersten Schritte gut erklären. Lasst euch auch nicht abschrecken, dass die Software nur auf Englisch ist. Im Wesentlichen könnt ihr eure Kategorien und Dinge ja selbst benennen, als sowas wie Geldbeutel etc. Der wichtige Part ist ja das Zusammenzählen und Budgetieren und das geschieht ja mit Zahlen. Was die Software für mich so gelungen macht, sind die kostenlosen Smartphone Apps. Ich selbst nutze die iOS App (und ja Sie ist für iOS6 optimiert, angepasste iPad Version gibt’s auch) und dort kann man auch unterwegs ganz einfach seine Ausgaben Kategorien zuordnen und bei Bedarf auch Notizen etc. eintragen. Das ganze wird dann per Dropbox (2GB sind ja kostenlos für jeden) synchronisiert, wer das möchte.

Gerade mit den ganzen Steam Sales (das Programm selbst habe ich auch im Sale gekauft) zeigt es einem wirklich deutlich auf, für was man sein Geld ausgegeben hat. Man kann sich auch schöne Statistiken anzeigen lassen etc.

Klare Kaufempfehlung von mir. Es ist immer mal wieder so für 15€ im Sale, aber ich finde das Programm ist auch seine 50€ wert, wer es wirklich nutzt.
War dieses Review hilfreich? Ja Nein Lustig
61 von 75 Personen (81%) fanden dieses Review hilfreich
1 Person fand dieses Review lustig
1,795.5 Std. insgesamt
Verfasst: 3. Februar
I used this software a bit. Kinda liked it.
War dieses Review hilfreich? Ja Nein Lustig
25 von 25 Personen (100%) fanden dieses Review hilfreich
112.6 Std. insgesamt
Verfasst: 25. Februar
This software is life-changing. My wife fought the idea of having a strict budget for quite awhile but since we started this system, she has eventually grown to love it. The key is to give yourself a discretionary fund in your budget. A specific amount that you can spend without question on anything you want. I cannot recommend this software enough and believe that it will improve anyone's finances regardless of your situation. The free classes, webinars, and YouTube videos are priceless. Buy the software, watch the videos, take notes, be serious about it, and reap the rewards.

UPDATE (06/22/15)
My wife and I have 6 full months into serious budgeting using this software. I'm happy to report that our lives are now radically different than it used to be before budgeting.

We have payed off all of our credit cards, my credit rating has significantly increased and is now above 800! Also, we now have thousands of dollars in the bank with a viable savings account. It is June and we already have half of our entire Christmas fund saved up! For reference, none of the above statements were true this time last year.

Our ability to absorb even extreme unforeseen events is growing dramatically by the month. Ironically, budgeting is now liberating and my wife absolutely loves it. She no longer has to ask if she can buy that new dress, or if we have the money for her to go get her hair colored and cut (examples). Everything is in the budget, she can just go on a regular basis, or buy herself anything she wants with her money or she can choose to save some of it for next month and get something even bigger lol.

Six months in and I still cannot recommend this enough. I actually look at nonbudgeters now with a degree of pity. Their lives can be so much better!

Seriously guys, I can't tell you how many times I've heard someone say that they do budget because they have a spreadsheet. Trust me, if all you have to manage your finances is a spreadsheet, then you do not budget.

10/10 - Right on Budget
War dieses Review hilfreich? Ja Nein Lustig
10 von 11 Personen (91%) fanden dieses Review hilfreich
1 Person fand dieses Review lustig
9.4 Std. insgesamt
Verfasst: 23. März
It's Steam, a Game Platform. Today I often open Steam not to play game, but to rechecking my expense, lol.

This software is great, either for personal use or small start up company. The only cons is this software is not supported multi currency.

Try this, it's free for 30 days, this tools can help us to manage our (gaming) expense :D
War dieses Review hilfreich? Ja Nein Lustig
7 von 7 Personen (100%) fanden dieses Review hilfreich
10.6 Std. insgesamt
Verfasst: 5. April
I picked YNAB up in a Steam Sale a while back. I'd casually had my eye on it, so when the price dropped, I snapped it up.

Wow. A year later, count me as one more life seriously changed for the better. As someone who almost never buys anything new or full price, I would buy YNAB full-price again in a heartbeat. It's a great piece of software that is very well focused, and does what it's supposed to very well, which is keeping you on track, building good habits, and figuring out where all your money is going, and how to get it under control. And while it's focused, it's also flexible in the best way: it gives you enough rope to hang yourself if you really want to, but gently warns you along the way of the pitfalls of straying from the system.

Which is where part two comes in: it's not just a piece of software, it's a system. The app is just a really streamlined, endlessly helpful way to follow the system, that makes it way easier, and way less prone to failure. YNAB started as a system - the software came later, and it shows in how polished the whole experience is. Do yourself a favor and read through the method before you just dive in. Or take one of the free webcast classes. They really have figured out this system well, just trust them and go along with it, and see how it goes. After all, you bought budget software because you haven't figured it out yet, right?

I had been saying "man, I need a budget" for several years, and given it several failed tries with different software, before I finally sat down, read up, and got set up with YNAB, and it's the only one that has stuck.

And if that weren't enough: their support is rock-solid. I had an issue with my budget, filed a support request, and the support person was knowledgeable, friendly, incredibly helpful, and got the issue resolved ridiculously fast. Which is why I finally sat down and wrote this review - since I already bought it, I wanted to do something to say thanks. So thanks, A, for your excellent customer service.

Bonuses: they have a free companion phone app to enter transactions on-the-go, and the desktop app runs flawlessly under WINE. I run Linux exclusively, and haven't experienced any issues. You don't even have to have it running via Steam, since Steam can be cumbersome to run under WINE - just download the standalone version and follow the directions to copy over your activation key. Couldn't be easier. Oh, as a sidebar, because of that, don't believe my hours on record - I've used it for way more than 10 hours, but not via Steam.

11/10 stars, excellent software, brilliant system, rock-solid support. The only thing that could make me happier is a native Linux version, but with WINE working solidly, that's a minor gripe for me. Well worth dropping the $60 - I promise you'll very quickly make that money up if you're trying to get a handle on your finances.
War dieses Review hilfreich? Ja Nein Lustig