YNAB 4 features Cloud Sync, making it easier than ever to stay focused on your budget and always up to date by staying in sync wherever there's an internet connection. Why wait three days for your bank to tell you that some money's been spent? Use YNAB's iPhone or Android app to record your spending right there at the cash register. With super-fast transaction entry, you'll have entered the transaction before you've walked out the door.
There's no more guessing when it comes to spending decisions. Since your budget is always up to date, whether on your spouse's iPhone, your Android, at home on your Mac, or at work on your PC, you'll know in a moment that it's okay to head out to eat. Enjoying yourself is part of the plan(1).
(1) That's a code word for 'budget'
YNAB is built to let you easily set aside funds for larger, infrequent bills. $600 car insurance premium due in six months? Budget $100 each month into your 'Car insurance' category and watch the balance grow. When the bill is due, you pay it and everything feels the same. That is, what used to send you into financial "crisis mode" now doesn't even make you blink.
Letting the Budget interface show you what needs to happen NOW so you can handle what happens NEXT is its strong suit. The quality of your spending decisions will skyrocket and you'll be managing your money better than you ever thought possible.
YNAB will happily import downloaded transactions in all the popular formats. It doesn't talk to your bank directly, but many of our customers find themselves ditching importing all together, or just using it to make sure they didn't miss anything. Their awareness goes up right along with their bank account balance. That doesn't mean it's a chore! Most of our users spend less time managing their money than ever before. How? Scheduled transactions, an interface designed for fast entry and mobile apps for entry on the go.
Did you know that after one month, the median net worth increase for a YNABer is $200? After one month! After nine months, the median net worth increase is $3,300! Yes, the sky truly is the limit.
How is this possible? Most budget software asks you to guess a number on the 1st, inevitably leaving you to feel guilty on the 31st because you guessed wrong. YNAB is a new kind of budget, a flexible 'living budget' that helps you deal with overspending and makes it easy to save for your goals.
YNAB runs on Windows or Mac and you can sync in-between. PC at work and Mac at home? One license is all you need.
With all your accounts in one view it's easier to see all your transactions or find the specific one you're looking for.
One license is good for all your computers. All minor updates are free. We'll never remove features to get you to upgrade.
Make a mistake with your budget and wish you could go back in time? Now you can. Revert to a past version in a single click.
When it comes to ease of entry, our inline split-transaction entry is second to none. Set the total receipt amount and let 'er rip.
The all-new engine lets you slice and dice your financial history in a variety of ways with reports that are readable by actual humans.
We're dedicated to helping you succeed. Free live classes, screencasts, a dedicated forum and more are there to help you.
YNAB saves your budget automatically at regular intervals and also when you quit. No need to worry about losing your work.
Have bills or paychecks on regular intervals? Create a scheduled transaction and new transactions will be made automatically.
A new reconciliation wizard lets you reconcile all of your accounts with ease to make sure that YNAB and your account balances match.
Search for dates, amounts, payees, categories and more. You can combine searches to get just the results you want.
Save notes for months, categories or budget amounts in a category. Whatever you need to remember, we've got you covered.
YNAB supports Dollars, Euros, Pounds, Rupees, Reals, Rands and just about every other currency in the world.
Click on any 'outflow' amount in your budget and get a list of all the transactions that made up that number and edit them if need be.
We teach you how to use the basics of YNAB, using the YNAB interface itself. You'll be up and running in no time.