This guide is no longer updated as YNAB 3 has been discontinued and replaced by YNAB 4. We don't have a printable manual for YNAB 4 as all help articles are now located on our site. If you have any questions or concerns that you haven't been able to address then please contact us directly and we'll help you from there.
Below is the YNAB 3 user guide in PDF format. It runs the gamut from getting started to the inner workings of lines of credit and frequently asked questions. Enjoy the journey as you study all things YNAB. But we must warn you it's both habit forming and could empty your printing budget (if you have one). The guide is 166 pages long, so it will take a while to print.
To save the guide to your hard drive, right/CMD-click the link and choose 'Save As...' (just clicking on it will likely open it up directly in your browser window).