Using YNAB, hundreds of thousands of people have learned how to get control of their finances, stop stressing, and live the life they want to live. The powerful combination of award-winning budget apps and our life-changing budgeting method means it actually works. YNAB is unlike any personal finance app, expense tracker, or money management system you’ve tried before, because it is based on our proven method- YNAB’s Four Rules. Our friendly support team is available around the clock via email, live chat, and offer 100+ free, live budgeting workshops every week. Set goals and immediately see when you'll be able to reach them.ĭetailed, visual spending and trend reports help you measure progress and improve. Real-time access to all your budget data across multiple devices means you can budget with a partner and always have the info you need to make good spending decisions. Prefer to enter transactions yourself? You can! YNAB will match up imported transactions with those you enter yourself so your account balances are always accurate. Try it free for 34 days.Įasily connect all your accounts in one place and import your transactions, so you always have up-to-date information. On average, new users save $600 in the first two months, and more than $6,000 in the first year.

As you download/enter transactions, the amounts are deducted from their respective category balances.YNAB will help you break the paycheck to paycheck cycle, get out of debt, and save more money. In either case, any inflow of money is tagged “to be budgeted” and from this sum you can allocate amounts to your spending and saving categories. You can choose to direct import transactions from your bank or enter them manually. YNAB makes it easy to live by these rules with its category-based interface. It’s a lofty goal, but as YNAB says it will keep you “living far, far away from the financial edge.” Ideally, you should shoot to live this month on last month’s income.

YNAB allows you to be nimble and easily move money from a budgeted category to cover unbudgeted spending and stay out of the red.Ĥ) Age your money-Timing your bills with your paychecks is about as easy as aligning the planets. YNAB lets you allocate every dollar in hand to specific spending and saving categories.ģ) Roll with the punches-No matter how well you plan, your budget will inevitably run head first into unforeseen expenses. YNAB proposes you budget for these expenses monthly to even out your cash flow over the year and avoid taking big budget hits during certain months. What typically derails a budget are the less frequent ones, like annual insurance premiums and subscriptions, birthdays and holidays, and your kids’ seasonal sports fees. 2) Embrace your true expenses-It’s easy to see your monthly bills coming.

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