Features

Import Bank Transactions

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 your phone and record it as the transaction happens, or make entering receipts a 5-minute daily ritual. Your money will thank you for it. Promise.)

When you do import, YNAB handles it gracefully, removing duplicates, matching transactions you already entered, cleaning up payee entries, and auto-categorizing based on what you've done in the past.

Put the Redundant on Autopilot

If there's no value in you doing it, we do it for you.

We're all about you staying psychologically close to your transactions by entering them as they happen. But why enter the same amount spent on your gym membership every single month? That decision's been made, and you want to spend the money. To make you record those recurring, never-changing transactions month in and month out would be silly.

Enter the Scheduler. Schedule a transaction one time and it will recur indefinitely at a set frequency (monthly, semi-monthly, semi-annually, etc.)

Notes. And Notes. And More Notes

YNAB remembers so you can forget.

Your aunt's birthday is next month and you need to remember to put a little extra in the 'Gifts' category. Done. Your 'Vacation' should get $150 per month so you can go on that golf trip in May. Got it.

Record notes for months, specific categories, or budget amounts in a category for a specific month. Whatever you need to remember, we've got you covered.

Spending Reporting

The "I spend WHAT on WHAT?!" report.

Poke, prod, frown, or grin.  Your spending reports are packed with information that will steer you right (and they're a joy to interact with).

View your spending by category or payee. Drill down into a specific master category for more detail.  View a gorgeous table listing of data, or drill down even further to the transaction level.

For Windows & Mac

Can't We All Be Friends?

We run on Windows or Mac. And don't forget, you can sync your data between a Windows and Mac just the same.  We just don't care.

(Oh, and our licensing is cool, because you can use YNAB personally on as many computers as you'd like.)

Non-Evil Upgrade Policy

You bought it. You got it. Forever.

First off, we're not going to disable or cripple features in order to "persuade" you to upgrade to a later version.  You pay one time for your license and that license is good, for that version of the software, forever.

We do release big upgrades to our software now and again and hope you find the new features compelling enough to upgrade, but again, that's your call!  A big upgrade would be where we go from YNAB 3 to YNAB 4, or 4 to 5.  Those always cost something.

Minor updates are always free.  An update would be from YNAB 3.5 to YNAB 3.6 or YNAB 4.8 to YNAB 4.9. Those include bug fixes, stability improvements, and have sometimes included awesome new features that we were too excited to hold until a major release.

Oh, and if we do release a major upgrade and you purchased within the last six months? You get that major upgrade for free.  We call that our, "My timing couldn't have been worse I just purchased this yesterday" guarantee.