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YNAB in the News

“If you need extra motivation to achieve financial discipline, consider the budgeting software YNAB.”
From the Kiplinger’s Personal Finance June 2009 cover story

CNN Headline News Interview with YNAB Founder

“[YNAB] is great stuff — it really is.”

Read more glowing reviews

YNAB in Your Life

A $13,000 Turnaround with Personal Budget Software A $13,000 Turn-Around

“After 16 months, I am debt free with $7,000 in the bank.”
Read Kristen’s story

Reaching Your Financial Goals with YNAB Reaching Financial Goals

“We stopped floundering and being stressed and now feel like our goals are achievable.”
Read the Haney’s Story

Read what others are saying or this ridiculously long list of testimonials.

Features and Benefits

Screenshots

Imports from Your Bank

Import transactions from your bank into YNAB

If your bank is compatible with Quicken or MS Money, then it’s compatible with YNAB Pro budget software. YNAB Pro imports OFX, QFX, QIF, and CSV files from virtually every banking institution available.

How do we keep your data secure? We never ask for it in the first place. You download your bank transactions from your bank’s website and we’ll import the file. You’ll have no need to worry about one company having all of your bank data.

Envelope budgeting made simple

YNAB makes envelope budgeting simple

Envelope budgeting is a time-tested, proven method that will have you quickly aligning your spending with your values. In YNAB’s budget software, you’ll set up ‘categories’ that will act like virtual envelopes for your spending.

You can set up as many categories as you like. Fund your category by simply entering the amount you’d like budgeted for the month. When you record spending, you select which category you spent from. YNAB will track all of your category (envelope) balances for you. It can’t be any simpler!

Easily save for large purchases

Easily save for large purchases with YNAB

If your car insurance is due every six months, and it’s $300, you’ll want to set aside $50 in your ‘car insurance’ category each month. When the bill arrives, the money is there, and you pay it. No stress. No worries.

You can use this tactic to save for vacations, gifts, property taxes, car repairs, etc. It does an excellent job of helping you avoid debt by planning and working toward purchases. You’ll also find the crazy roller coaster ride you’ve experienced in the past (you know the one, where a large, unexpected bill arrives…) is completely gone. Life will be blissful!

Get out of debt

Get out of debt with YNAB

Getting out of debt isn’t automatic, and it isn’t easy. The software doesn’t get out of debt for you!

However, we can let the numbers speak for themselves. According to a recent survey of YNAB users, on average, a YNAB user pays off $500 in debt in their first 31 days!

So if we’re not talking about magic here, what exactly happens? YNAB’s budget software lets you easily and intuitively prioritize where your dollars go. It’s not magic, but it works.

Never miss a bill again

Keep track of all your bills quickly and easily

Perhaps you’ve been forgetful a few times with bills. Let YNAB Pro help you out. Simply enter your recurring bills one time in the Scheduler and YNAB Pro will auto-enter the transaction when it needs to be paid.

Or maybe you never forget a bill, but you’re just tired of entering transactions over and over again…the Scheduler will take away a bit of your pain.

Focus on spending “leaks”

focus on spending leaks

With a few clicks of the mouse you’ll quickly be able to identify spending that’s out of control, or just needs some shoring up. This is absolutely crucial, as it will free up your money to save toward worthwhile goals and pay off debt.

You aren’t bombarded with 67 different useless reports that can be viewed 19 different ways. You’re provided the information you need to make informed decisions.

A powerful methodology built right in

YNAB's methodology built right in

Features are great and exciting, shiny and new…but the real power behind YNAB is not its simple interface or powerful features, but its fundamental money management philosophy.

YNAB’s budget software is founded on the Four Rules. You can find out more about these unique rules by reading “How YNAB is Different” down below. Once implemented, you’ll find it’s a system that just makes sense. It’s like coming home again. Everything feels right.

Do your budgeting in no time flat

focus on spending leaks

Budget for the upcoming month with just a few clicks.

While it’s important to recognize that each month is different and that “normal” months don’t exist, it’s also important to realize that you’re busy–and budgeting can be tedious. We’ve taken care of the tedium.

With a few clicks, simply carryover last month’s budget to this month, review the numbers, and tweak where necessary. You’re done.


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How YNAB is Different.

Simple Budget Software Coupled with a Powerful Money Management Methodology


Rule #1 Video
(4:04)

Rule One: Stop Living Paycheck to Paycheck

We want you to work toward living on last month’s income. Both the software and methodology will help you do just that.

Why? You’ll find breathing room. You’ll stop wasting time by timing paychecks with bills, and if you’re on a variable income, your budgeting “problem” will be eliminated.

Rule #2 Video (4:37)

Rule Two: Give Every Dollar a Job

Each month you assign your Available dollars to spending/savings categories. This process takes 20 minutes and revolutionizes the way you think about your money.

Why? Dollars need to be told what to do. Your awareness will increase tremendously and you’ll find contentment as your spending aligns itself with your core values. Communication between spouses is restored.

Rule #3 Video (5:07)

Rule Three: Save for a Rainy Day

You’ll anticipate larger, less-frequent expenses and will be ready for them. Insurance premium due in six months for $600? Save $100 each month and watch the Car Insurance balance grow.

Why? Eliminate the crazy ups and downs in your life. Gain a true picture of your discretionary income. Enjoy opening the mail again (the money will be there waiting to pay that bill).

Rule #4 Video (6:23)

Rule Four: Roll with the Punches

The key is to keep moving even when you fail (you will). YNAB will make small adjustments when you overspend, ensuring that you fix those mistakes before you go to the next month.

Why? It keeps you on your budgeting feet, so when you fail, you don’t quit. You start each month with a clean slate–a huge psychological boost.


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Learn the YNAB Way

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