Gain Total Control of Your Money

Software built to give you laser-focus with your money.

No more spending based on your checking account balance. That doesn’t work.

 Our award-winning Budget interface lets you break your account balances into meaningful categories, save for longer-term goals, and quickly determine if that impulse purchase now will affect things adversely later.  It lets you instantly know where you stand by considering past overspending, future goals and what’s happening right now.

For Windows and Mac.

We run on Windows or Mac. And don't forget, you can sync your data between a Windows and Mac using any popular file-sharing service.  Windows PC in the office, Macbook Air upstairs, and an iMac at work? YNAB works with all of them. (Oh, and our licensing fits right into this, because you can use YNAB personally on as many computers as you'd like.)

To help you, we don't do it all for you.

We do not directly connect with your bank, log in with your username and password,  and download transactions for you. That kills awareness and promotes a “set it and forget it” mentality that lets you not revisit your budget for months, leaving you right back where you started. We’ll import downloaded transactions (OFX, QFX, QIF) to make sure you’ve captured every transaction, but bank importation should not be the primary means of entering data into YNAB. Use our companion app on your iPhone or Android to record transactions as they happen, or make entering receipts a daily ritual (you know, like checking Facebook). Your money will thank you for it. Promise.