“Total control?” you say. You’re right to be skeptical, but YNAB is different. A “forget-everything-you-think-you-know-about-budgeting” kind of different. And it works: You’ll stop overdrafting, you’ll pay off your credit card debt, your stress levels will plummet, and you’ll achieve financial peace.
How? YNAB ("why-nab") combines a simple, effective methodology with award-winning software to turn you into a finance superhero. You can't be a superhero without superpowers (obviously), and that's where the rules come in:
When you Give Every Dollar a Job, your money is dialed in. You know exactly what you can spend on eating out. On clothes. On everything. No more worrying you'll accidentally spend the money needed for next week's bills.
As you Embrace Your True Expenses, you smooth out your cash flow by breaking down larger, less-frequent expenses (holidays, birthday presents, insurance), and treating them like monthly expenses—saving for them each month. Goodbye financial roller coaster, hello financial... minivan?
Roll with the Punches when you go over budget. (It will happen and it's okay.) Spent too much on groceries this month? Just cover it with your fun money category. Covering overspending keeps you out of debt and on track.
Then the fun begins. You'll Age Your Money, working toward spending money you earned at least 30 days ago. Say goodbye to the paycheck-to-paycheck cycle, timing bills, and money stress. When a bill comes in, you’ll just pay it. If an emergency happens, you’ve got time to come up with a plan.
The power behind YNAB lies in the rules, but you’ll stick with it because of our award-winning software for the web, iOS, and Android. Every detail of the software helps you follow YNAB’s Four Rules to total financial success.
A CS degree shouldn't be a prerequisite for improving your finances. YNAB runs securely in the cloud, so there's nothing to set up or manage.
YNAB connects directly to thousands of banks and credit cards so you can spend more time reaching your financial goals and less time on data entry.
Budgeting works best when your budget is up to date, and available where you are. YNAB stays in sync in real time on all of your devices, no muss, no fuss.
As good as our method and software are, it’s tough to rewire your brain as it relates to money. That’s why we offer famously friendly support, live, online classes every day of the week, and stellar self-directed help guides. Not good enough, you say? We agree! That’s why we also have an active blog, podcast, and YouTube channel with more quick tips, budgeting wisdom, and money insight than you thought possible.
Our customers have always been our best salespeople. Turns out, when you help people turn their finances around, they like to talk about it. A lot. We mean a lot. Like really a lot. Like if you took a lot of something, and then added a whole lot more.
Yes, our customers spreading the word to their friends and family is our secret sauce. But getting press mentions (galore) lets Jesse (YNAB's founder) tell his mom things like, "Oh that piece in the WSJ? I had sort of forgotten about it." So it's important (to him).
Read on to see how YNAB works in practice, or sign up for a 34-day free trial to see for yourself. Within just a few minutes you’ll be well on your way to completely transforming the way you think about your money. You’ll feel a bit more in control. You’ll have some more clarity. Your stress level will immediately decline. You’ll feel some financial peace. You’ve got this!