The World's Best Budgeting Program. Praised across the Internet as hands-down the "best budgeting software", You Need A Budget (YNAB) cuts to the chase with your finances. The software focuses you on the foundation of your finances: the Budget.
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发行日期: 2012年12月19日
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"Help to budget your hugpillow and anime figs."

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9月16日

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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评测

Most Popular Personal Finance Software: YNAB
Lifehacker

Best Windows Personal Finance Software: You Need A Budget
http://financialsoft.about.com/od/reviewsfinancesoftware/ss/Best-Personal-Finance-Software-Best-Tax-Software_2.htm

YNAB exceeds my expectations in many ways
10/10 – Mac.AppStorm

Steam Greenlight

关于这款软件

The World's Best Budgeting Program.

Praised across the Internet as hands-down the "best budgeting software", You Need A Budget (YNAB) cuts to the chase with your finances. The software focuses you on the foundation of your finances: the Budget. Experience has shown that when your budget is intact, and functioning correctly, everything else takes care of itself (the bills are paid on time, retirement contributions are made, and unnecessary debt is eliminated).

The Most Effective Budgeting Method


The software is built around Four Rules of Cash Flow. These Four Rules will help you break the paycheck to paycheck cycle, get out of debt, and save more money. Where other software packages tend to be the products of years of feature creep, YNAB offers you exactly what you need: a simple, straightforward system to manage your money.

  • 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.


    Remember to take advantage of YNAB's fantastic support resources: video tutorials, and free live budgeting classes for any and all interested! These are available at our website or via the Help menu in the software.

    Key Features

  • Walkthrough Tutorial:
      We teach you how to use the basics of YNAB, using the YNAB interface itself. You'll be up and running in no time.
  • Incredible Support:
      We're dedicated to helping you succeed. Free live classes, screencasts, a dedicated forum and more are there to help you.
  • Cloud Sync:
      Using Dropbox, you can sync your budget between multiple computers, and your mobile devices (Android/iOS) in real time, so you are always up to date, wherever you go.
  • Autosave:
      YNAB saves your budget automatically at regular intervals and also when you quit. No need to worry about losing your work.
  • Scheduled Transactions:
      Have bills or paychecks on regular intervals? Create a scheduled transaction and new transactions will be made for you automatically.
  • Reconciliation Wizard:
      Our reconciliation wizard lets you reconcile all of your accounts with ease to make sure that YNAB and your account balances match.
  • Powerful Search:
      Search for dates, amounts, payees, categories and more. You can combine searches to get just the results you want.
  • Notes Everywhere:
      Save notes for months, categories or budget amounts in a category. Whatever you need to remember, we've got you covered.
  • Global Currencies:
      YNAB supports Dollars, Euros, Pounds, Rupees, Reals, Rands and just about every other currency in the world.
  • Easy Split Transactions:
      When it comes to ease of entry, our inline split-transaction entry is second to none. Set the total receipt amount and let 'er rip.
  • Spending Quick-View:
      Click on any 'outflow' amount in your budget and get a list of all the transactions that made up that number and edit them if need be.
  • Readable Reports:
      Our all-new engine lets you slice and dice your financial history in a variety of ways with reports that are readable by actual humans.

系统需求

PC
Mac
    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
有价值的用户评测
5 人中有 5 人(100%)觉得这篇评测有价值
14.7 小时(记录在案的)
发布于:10月6日
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.
这篇评测是否有价值?
3 人中有 3 人(100%)觉得这篇评测有价值
66.1 小时(记录在案的)
发布于:10月8日
everyone should have a budget. this goes on sale occasionally for 15 bucks and is worth every penny!
这篇评测是否有价值?
2 人中有 2 人(100%)觉得这篇评测有价值
7.5 小时(记录在案的)
发布于:10月5日
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.
这篇评测是否有价值?
2 人中有 2 人(100%)觉得这篇评测有价值
11.7 小时(记录在案的)
发布于:10月4日
Amazingly easy budgeting software to help you figure out where your money is going and re-budget accordingly. It's very forgiving when you spend too much on Steam games for the month - just take out of another category. I like this a lot better than Mint or spreadsheets that I've used in the past. Plus, it gives very informative graphs and breakdowns.
这篇评测是否有价值?
2 人中有 2 人(100%)觉得这篇评测有价值
181.2 小时(记录在案的)
发布于:10月5日
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.
这篇评测是否有价值?
1 人中有 1 人(100%)觉得这篇评测有价值
165.6 小时(记录在案的)
发布于:10月3日
pretty much the only budgeting software that I understood quickly enough to keep using it.
这篇评测是否有价值?
1 人中有 1 人(100%)觉得这篇评测有价值
115.9 小时(记录在案的)
发布于:10月9日
This is an awesome software, is unbelievable how could help me to reach my goals, i truly recommend this software.
这篇评测是否有价值?
1 人中有 1 人(100%)觉得这篇评测有价值
9.1 小时(记录在案的)
发布于:10月18日
The king of all finance softwares. I've tried a few, but this is really great. It has applications on both IOS and Android, so you can quickly add your expenses when you spend your money, wherever you are. Easy to get an overwiev when you use the PC software. Good statistics, diagrams etc...

Cons: The design is quite cool, but the IOS version is much more better than android (i don't know why do they make the same application with two completely different design...)
这篇评测是否有价值?
1 人中有 1 人(100%)觉得这篇评测有价值
44.3 小时(记录在案的)
发布于:10月24日
This is by far my most used piece of software in my life, unless you count the games. YNAB is definitely one of the best budgeting tools I've ever used, and having a mobile app to help me on the go is just icing on the cake.

The only thing I wish is to be able to use more than just Dropbox to sync my budget. Not that Dropbox is bad, I just would like more options.

You need a budget, and this program will help you obtain one.
这篇评测是否有价值?
7 人中有 1 人(14%)觉得这篇评测有价值
18.7 小时(记录在案的)
发布于:10月5日
I have had this software for awhile now and for some reason I lose my files all the time and they never back up so I have to start over again about every 3 months...... poor program and waste of money.
这篇评测是否有价值?
0.9 小时(记录在案的)
发布于:10月8日
Probably don't make a Steam Sale category.
这篇评测是否有价值?
12.8 小时(记录在案的)
发布于:10月25日
A must have budgeting tool, sure you can build one in excel but this is already done and give you some good guidelines to keep your balance in the green.
这篇评测是否有价值?
42.6 小时(记录在案的)
发布于:10月30日
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 !
这篇评测是否有价值?
162.2 小时(记录在案的)
发布于:10月31日
I'll make this sweet and short: get it, it is ABSOLUTELY worth the money (and some).
这篇评测是否有价值?
207 人中有 167 人(81%)觉得这篇评测有价值
1.5 小时(记录在案的)
发布于:6月26日
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.
这篇评测是否有价值?
43 人中有 42 人(98%)觉得这篇评测有价值
533.3 小时(记录在案的)
发布于:6月21日
Ok, so let me tell... in the spirit this is one more expense management software, just like Mint, just like Money. But I say that in the sense of needing to have the discipline to go through your expenses in a weekly basis at list. If you don't have the discipline for it, don't buy it! You'll end up using for about one or two months and letting it go.
After telling that, let me tell you what got my attention in YNAB. This is different from any expense management system because it is pro-active instead of reactive. In other systems, you'll enter you salary and then you'll be consuming it as you expend it during the month, until you receive a new salary. YNAB (You Need a Budget) presents a new concept in management called budgeting. Their philosophy is that once you have an income, you must allocate all of it, every penny, in the categories that you are planning to invest in that month. Even if the allocation of your money is in something like "saving for unplanned expense". Than you respect your allocation (budgeting) during the month. Every expenses that you log in the app will discount from your corresponding category budget. This is why YNAB is proactive. You don't have the sensation of money without a direction. Once you receive your money you'll have to plan where it will go.
This has been working great for me, I'm using for a couple of months now. Also, they have a mobile app that allows you to record your expenses on the go.
这篇评测是否有价值?
28 人中有 24 人(86%)觉得这篇评测有价值
22.1 小时(记录在案的)
发布于:8月6日
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!
这篇评测是否有价值?
17 人中有 14 人(82%)觉得这篇评测有价值
1,222.9 小时(记录在案的)
发布于:6月23日
Best app out there for me...
now i find it hard live without this, this app handle all of my money right now..
handle my money perfectly, now i can save my money perfectly....
saving goals seems easy now.. i can follow all the money spend from my pocket..
这篇评测是否有价值?
12 人中有 11 人(92%)觉得这篇评测有价值
126.4 小时(记录在案的)
发布于:9月22日
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.
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24 人中有 16 人(67%)觉得这篇评测有价值
0.6 小时(记录在案的)
发布于:6月26日
Eve Online has really changed since I last played, they cut out all the boring stuff and just left the core gameplay. 9/10 will spreadsheet again!
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