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Rule Four: Live on Last Month’s Income

How do I live on last month's income? Rule Four Video In order to live on last month’s income, you first save up enough money to cover a month’s worth of expenses. When you save this money and put it to work, we call that a Buffer. The buffer allows you to put some space between
Last Updated: July 22, 2014

Install YNAB on another computer

You can install YNAB on as many computers (and operating systems) as you'd like as long as it's for your personal/household use. This includes Windows PCs and Macs, so your same license key will work on both operating systems. More details about this can be found in our End
Last Updated: July 9, 2014

Forecast in YNAB

What is forecasting? Many people ask about YNAB’s forecasting capabilities. Before addressing how to use YNAB to look forward, though, let’s look at the difference between forecasting and budgeting. When you hear about budgets in the news, the discussion is typically focused on
Last Updated: March 25, 2013

Importing Overview

Can I import historical data from another program? Although you can import historical transactions into YNAB that you have stored in other personal finance programs, we don't recommend it.  YNAB's Four Rules help you take what you have, decide what to do with it, and then follow your
Last Updated: July 3, 2014

YNAB 4 Quick Start Tutorial

Welcome to YNAB!  We’ll have you up and running in minutes! YNAB is built around four rules. It’s best if you are familiar with them and how they work in the software. We encourage you to read about the rules before getting started.  For now, we'll get you up
Last Updated: July 23, 2013

How to Reconcile

In this article, we used a checking account as an example. You can reconcile any type of account, however you can only reconcile one account at a time. Having trouble reconciling?   Learn about Reconciliation Reconciliation Video How do I reconcile my accounts in YNAB with my bank?
Last Updated: May 23, 2014

Fresh Start

How do I start over? Lots of people start over to reorganize, or because they stopped using YNAB for a while and just want a fresh start. Fresh Start: saves a copy of your current budget maintains your category and account structure deletes all transactions and budget data
Last Updated: January 2, 2014

Upgrade from an older version of YNAB

What are the benefits? YNAB 4 introduced a number of brand new features never before available as well as introducing a cleaner easier to use interface. By upgrading to the latest version you get full use of all of the features you'll read about here on our site as well as receive free
Last Updated: January 2, 2014

Budget Categories

Handling Budget Categories Video How do I create my own categories? You can use YNAB's default set of categories, create new ones, move categories around, and edit existing category names. Creating a new Master Category Click on the + sign at the top of the Budget above the list of
Last Updated: January 31, 2014

Handling Cash

How do I handle cash in YNAB? There are two ways you can deal with cash: You can be set up as a separate account; or you can create a Category specifically for cash. Cash as an Account   A cash account is similar to a checking account. You enter a starting balance (the amount of cash
Last Updated: January 22, 2013

Overdrawn Checking Accounts

How do I start with a negative bank balance? Starting in overdraft can seem overwhelming, but YNAB can help make it much more manageable. Your overdraft balance is considered debt because it is money you owe, and your goal should be to get rid of that debt as soon as possible.  If
Last Updated: September 25, 2012

Cloud Sync

What is Cloud Sync? Cloud Sync keeps  your YNAB budget up to date in real time across multiple devices. Out shopping and need to know your balance to make a spending decision? You can be confident you’re up to date. Have YNAB on two phones and one desktop in your family? You’ll
Last Updated: October 21, 2013

Using the Budget

How does the Budget work? Instead of looking back and recording what you’ve already done with your money (too late), YNAB helps you decide proactively how to use your money. Then, you’ll use your budget to guide your spending decisions.  At the top of the Budget is the Header:
Last Updated: August 15, 2014

Using your Credit Cards

Spending with your credit card Before you do any spending on your credit card, it’s important to understand how YNAB treats the existing balance on the card. YNAB will draw a line between the spending that took place before you started YNAB, and the spending that takes place afterwards. But
Last Updated: May 7, 2014

Handling Multiple Budgets

You can have as many different (and separate) budgets in YNAB as you'd like. On the Desktop (Start here) To make a new budget → File>Create a New Budget To open another budget → File>Open It works much like documents in a word processor. You can open one, work on it
Last Updated: September 23, 2013

Adding a Check Number column

How do I add a check number column to my account register? YNAB allows you to add a specific column for check numbers in account register. Step 1:  Select the account you want to add the check number column to in the sidebar. Step 2: On the right hand side of the register, you will
Last Updated: October 31, 2013

Entering Income

How do I enter income? When you receive money of any kind -- a paycheck, gift, bonus, tax refund, you name it -- you’ll need to enter that in your register as income. When entering income in YNAB, first decide when you need the money to go to work in your budget. There are two ways to
Last Updated: May 7, 2013

Paying Off Your Credit Card

How do I pay off my debt? New spending on your credit card is covered by the money you budget towards your spending categories. Paying off the debt you accumulated before using YNAB starts with budgeting towards the Pre-YNAB Debt on the card. Once you know what you can afford to budget towards the
Last Updated: April 17, 2014

Getting Started with Three Steps

When can I start using YNAB? The most important thing is that you can start today. You don't have to wait for the first day of a month and you don't have to go and gather a bunch of historical data. We recommend the following three steps:   These steps will work
Last Updated: February 12, 2013

Live Class Materials

To sign up for a LIVE Online Class, check the class schedule.  Getting Started with YNAB If you are new to YNAB, this class provides a solid, in depth introduction to the YNAB Methodology. You will learn how to set up an account, customize your categories, budget your dollars and work
Last Updated: August 4, 2014

Entering Scheduled Transactions

How do I enter transactions that are recurring? Using the Scheduled Transaction window built into each account, you can set up YNAB to automatically enter any regularly recurring transactions into your account register. You enter the information into Scheduled Transactions once and each time the
Last Updated: March 5, 2013

Calculating Credit Card Payments

How do I figure out my payment on the credit card? Your credit card payment is: Total Account Balance (the total amount you owe) minus Pre-YNAB Debt Category Balance (the amount you can’t afford to pay) ________________________________________________ equals Your Payment (the amount
Last Updated: April 17, 2014

Managing New Debt

What if I have to charge something on my credit card and I can’t budget to pay it off? This could happen to anyone, especially someone just starting with YNAB.  If you’ve only been budgeting for a few months, you may not have had time to build your rainy day funds sufficiently to
Last Updated: April 17, 2014

Account Types

Should I set up all my accounts in YNAB? That’s entirely up to you. You can budget quite successfully with just your checking account - but here are basic guidelines to help you decide which accounts to track in YNAB. If you spend from an account, you should set it up in YNAB - otherwise
Last Updated: March 18, 2014

Using YNAB on Steam

What is Steam? Steam is a digital distribution, digital rights management, multiplayer and communications platform developed by Valve Corporation. It is used to distribute games and related media online, from small independent developers to larger software houses. In October 2012, Valve expanded
Last Updated: January 6, 2014

Quick Budget

Quick Budget provides you with a number of options to make your monthly budgeting easier, while leaving you in control.  You can activate it by clicking on the lightning bolt in the header at the top of the month. This menu will appear: Quick Budget only fills all empty budgeted
Last Updated: September 25, 2012

YNAB for Mobile video

Explore the features of YNAB for Mobile
Last Updated: October 19, 2012

Reimbursements

How do I handle reimbursements? If you are living paycheck to paycheck and cash flow is tight, the method below is not recommended.  You are essentially floating debt in a budget category, so this works best if you are flush with cash.  If you are not in a strong cash flow situation, you
Last Updated: January 31, 2014

Rule Two: Save For a Rainy Day

How do I save for rainy days?   Rule Two Video Rule Two helps you prepare for less frequent bills and unplanned expenses. By saving for these expenses each month, you won’t be blindsided when something happens. If you don’t spend the money you have budgeted during a month,
Last Updated: November 22, 2013

Reconciliation Overview

What is Reconciliation? Reconciliation is the process of making sure the transactions in your YNAB account register match those in your bank account. During this process, we make sure the records match and we resolve any differences between the two. Some people are used to reconciling their
Last Updated: January 16, 2014

Overspending vs. Over Budgeting

What’s the difference between over-budgeting and overspending? OVERSPENDING VS. OVER BUDGETING VIDEO Over budgeting is when you have budgeted more money than you have Available to Budget. In other words, you have planned to spend $3000, even though you only have $2500. We recommend
Last Updated: January 16, 2014

Other Debt Accounts

How do I handle a student loan or car loan? The most important consideration related to these debts is making sure you have enough money to make the payment.  Your Budget and YNAB's Four Rules will help you do that. In fact, it isn't necessary to set up every debt account you have
Last Updated: September 25, 2012

Set up Cloud Sync on the Desktop

Download and install YNAB, then open it. When prompted to use Cloud Sync, click, “Yes! I’d like to use Cloud Sync.” YNAB will check to see if you have Dropbox installed. If you do, you’ll see this screen: If you don’t have Dropbox installed you’ll be
Last Updated: October 28, 2013

Rule One: Give Every Dollar a Job

How do I give every dollar a job?   Rule One Video In the Budget column, assign dollars to each category until your Available to Budget amount is $0. In the sample below, we started out with $1000 Available to Budget and budgeted $200 into Groceries and $100 into Restaurants. That
Last Updated: November 22, 2013

Split Transactions

How do I enter a transaction that affects more than one Budget Category? A Split Transaction is a single transaction that affects multiple categories. You may want to use a Split Transaction if: You've been to a "big box" store and purchased a number of items  at once that affect
Last Updated: November 26, 2012

Updates and Upgrades

You bought it. You got it. We'll never disable or cripple features in an effort to force upgrades. You pay one time for your license (it's not a subscription) and that license is good, for that version of the software, for as long as you'd like to use it.   We do
Last Updated: January 16, 2014

Rule Three: Roll with the Punches

How do I “roll with the punches”?   Rule Three Video Overspending is not a sign of failure. On the contrary, it’s a normal part of your financial life.  What matters is how you deal with it. Overspending is marked by a red negative number in the category balance
Last Updated: December 9, 2013

Working with Transactions

How do I change a transaction? You have a number of options for editing a single transaction or multiple transactions at the same time. Select the transaction by clicking the checkbox to the left of the date, or click more than one checkbox to select multiple transactions. Then click on Edit (X)
Last Updated: May 1, 2013

Mid or Late Monthly Pay budgeting

If you only get paid once per month at or near the end of the month then you can approach your Budget in one of three different ways. The method you choose should be the one that works best for you but regardless of which path you take you won't be locked into doing the same forever - you
Last Updated: September 24, 2012

Keyboard Shortcuts

To make budgeting easier, YNAB has several keyboard shortcuts if you prefer that over your mouse or trackpad.    These shortcuts work on both Windows and Mac. Attention Mac users!  We’ve listed the CTRL key frequently in this article to create a shortcut.  Be aware
Last Updated: August 15, 2014

Understanding Working & Cleared Balances

What’s the difference between the working balance and the cleared balance?   At the bottom of your account register, you’ll see the Totals Window: Here you’ll see three numbers: Cleared Balance - This represents all the transactions you’ve entered in YNAB
Last Updated: October 30, 2013

Cloud Sync Troubleshooting

Cloud Sync is not working for me. Help! First, make sure that Cloud Sync is working on your desktop computer: YNAB’s "Cloud Sync" has nothing to do with the Apple Inc. product named "iCloud".  YNAB’s Cloud Sync uses the free file syncing service Dropbox. Make sure you have a
Last Updated: June 30, 2014

Reports

How do I use the Reports in YNAB 4? YNAB 4 has powerful reports to help you gain insight into your Budget.  You can generate three types of reports: Spending Net Income Net Worth To access Reports, click on the Reports tab in the sidebar, decide which report you want to look
Last Updated: October 31, 2013

Setting up Savings

How does a savings account fit into my budget plan? A savings account is another physical location for your money.  While it's great to have a special account for it, make sure you know what the savings are for. Apply Rule One: Give Every Dollar a Job. Yes, that rule applies to your
Last Updated: July 15, 2013

Setting up Cloud Sync on your Mobile Device

Set up Cloud Sync on your desktop first. How do I set up Cloud Sync on my mobile device? YNAB has apps for the iPhones and Android phones. In order to use Cloud Sync, make sure your device is compatible. YNAB for Android Requirements: Requires Android 2.1 and above. It will run on Kindle
Last Updated: May 19, 2014

Income types

There are two types of income that you can use in YNAB: Use Income for (the current month) when you want to put money to use right now. Use Income for (the next month) whenever you don't need that money in the current month for any purpose. The income
Last Updated: September 20, 2012

Work with Files and Folders

Unlike previous versions of our software, YNAB 4 budgets use more than a single file to contain all of your budget data and are instead contained within a folder of many separate files. All of the files must be present in order for the budget to run. This has to do with how Cloud Sync and autosave
Last Updated: September 5, 2013

Get YNAB installed (when all else fails)

Before you dive into these steps, please go to our main download page and try to install from there first. That should work fine and save you a lot of time. Running Leopard (OS X 10.5) or earlier on your Mac? If that's the case, follow these steps. Choose the directions that match
Last Updated: July 12, 2013

Setting up YNAB

Do I have to wait until the 1st of the month to start? No! Those new to budgeting are often confused about when to start. The answer is now! If you are feeling motivated to get your Budget started then jump in and seize the moment. There are just a few things to keep in mind: The past is
Last Updated: October 25, 2012

Error Checking

Error Checking is now enabled by default on all budgets you create or open in YNAB 4. Error Checking ensures that your Budget is in perfect harmony with your accounts by flagging transactions that need your attention. The 3 types of alerts are: Reminders - These appear whenever
Last Updated: September 19, 2012

Moving Money Between Categories

How do I move money between categories? If you’re following Rule Three, there will be times when you need to adjust your budget and move money between categories. You may need to deal with overspending or you may just change your mind about how much is assigned to a certain
Last Updated: July 2, 2013

Payee Settings

YNAB’s Payee Settings allows you to: rename payees. manage duplicate payees. create payee importing rules. decide which payees show in the dropdown list. To access Payee Settings go to View > Go to payee settings. Alternatively you can access this with a keyboard
Last Updated: March 4, 2013

Install YNAB

YNAB runs completely offline as locally installed software on your computer and doesn't need an Internet connection to run - except to utilize Cloud Sync. If you already have the trial installed you don't have to re-install the software if you just purchased it. By default all
Last Updated: December 11, 2013

Entering Spending

Categorization and Spending When you record spending, you’re creating a record of what happened in the real world, and letting the budget know about the spending. The first step is to create a matching record of what happened.  Enter the spending in the appropriate account.
Last Updated: February 20, 2013

Account Organization

How do I organize my accounts? Reordering Account Tabs To move an account up or down in the list of accounts, click and hold the account tab and drag it to a new location. Viewing Accounts To activate an account and see the register for that account, click on the corresponding account name
Last Updated: January 6, 2014

How to Import Transactions

How do I Import transactions from my bank or credit card company?   Importing Transactions Video Step 1: Download a file from your bank’s website containing the transactions you want to import. Learn about transaction data file formats and how to download them.
Last Updated: November 13, 2013

Multiple Currencies

YNAB does not have multiple currency support for different accounts within the same budget.  There are three ways to deal with this: Pick a primary currency for YNAB. For the user who earns and banks in one currency, but who often spends in one or more other currencies. Pick a primary
Last Updated: July 14, 2014

CSV file importing

What types of files can YNAB import? YNAB can import any of the file formats listed below. For a more details on each of the formats listed please check out our Importing Overview page. QFX - Quicken® File Exchange OFX - Open File Exchange QIF - Quicken® Interchange Format CSV
Last Updated: May 30, 2014

Account Setup

How do I set up a Budget Account? To demonstrate how to set up a Budget Account, we’ll use a checking account as an example. These steps can be applied to any Budget Account. Step 1: Set up your checking account. Click on the Add Account button at the bottom of the sidebar to
Last Updated: October 22, 2012

Understanding the Credit Card Float

What is the credit card float? When you charge on a credit card, you're given a grace period to pay things off.  So as long as you pay it in full within that time frame, you are not charged interest.  Many people take advantage of this.  They charge this month, then pay it off
Last Updated: April 17, 2014

Rainy Day Fund Category List

Here’s a fairly comprehensive list of categories that you may need in your budget. Keep in mind, just because this list is long, it doesn’t mean yours needs to be!  We just offer this list to help you remember categories you may forget. Predictable Rainy Days Car Insurance
Last Updated: April 10, 2014

Variable Income

You may be in a situation where your income fluctuates considerably.  Perhaps there’s a big check one month, but then no income for a few months after that.  You need to stretch that check until more income arrives.  Some people receive money in lump sums like: Fixed annual
Last Updated: June 3, 2014

Transfers Overview

How do I transfer money between accounts? A transfer occurs when you move money from one account to another. The transfer feature, is activated by clicking on the "Make a Transfer" button at the bottom of each register. NOTE: The transfer button will only appear when there is more than one
Last Updated: January 15, 2013

How Money Flows from Accounts through the Budget

How does money flow from accounts through the budget?   Let’s say you enter $1000 in Account A as Income for August.  Since that money was categorized as Income for August, it is sent to the August header and appears in the income line and as Available to Budget. This money is
Last Updated: August 18, 2014

Will YNAB Ever Directly Connect to My Bank and Download My Transactions?

We've found the direct connection to banks really pulls people away from their money (psychologically). We don't have any plans to add direct connect into the software--from a philosophical standpoint--as the further you are removed from your money, the easier it is to remove your
Last Updated: September 27, 2012

Auto Save

YNAB saves your budget automatically at regular intervals and when you quit.  There's no need to worry about losing your work. How often does YNAB save my budget? YNAB saves your budget every 5 seconds.  After that it saves versions that you can easily go back to every 10
Last Updated: March 4, 2013

Paycheck Deductions

How do I handle paycheck deductions? When entering paychecks, we recommend that you enter your "take-home" or net pay. This is the amount of income that you truly have control over when budgeting. if you are interested in entering your gross income and the deductions, however, here is how you
Last Updated: October 22, 2012

Wi-Fi sync troubleshooting guide

The steps below apply to our Android and iPhone mobile apps when syncing locally using Wi-Fi mode only as well as for  (the now discontinued) YNAB 3 which was Wi-Fi Sync only capable. If you own YNAB 3 and would like to try Cloud Sync you can download a 34 day trial to see how amazing Cloud
Last Updated: September 24, 2013

Reconciliation Trouble Shooting

Reconciliation Overview Learn how to reconcile your bank accounts to YNAB. Why isn’t my YNAB account reconciling with my bank? When YNAB and your bank don’t reconcile right away, rest assured that YNAB is doing it’s job. It’s telling you something is off and you need to
Last Updated: August 14, 2014

Balance Transfers

How do I handle balance transfers? A balance transfer is when you transfer a balance from one card to another, perhaps to take advantage of a lower interest rate.  Step 1: Create an account for the new credit card.  Don’t enter a balance on this card yet! Step 2:
Last Updated: October 22, 2012

Loans to friends and family

If you find yourself in a situation where you loan money to friends or relatives, here’s the best way to handle that in YNAB. Step 1:  Create a new category called “Loan to friend” (or whatever makes sense to you.)  In the category title, enter the amount of the loan.
Last Updated: February 12, 2013

Keeping more than one device in sync

This article is for anyone who is using Legacy sync (Wi - Fi) as opposed to Cloud Sync.  If you have YNAB 4, you may want to check out our Cloud Sync feature as it eliminates all the hurdles associated with Wi-fi syncing. To keep more than one mobile app (Android, iPhone, iPad, iPod Touch)
Last Updated: September 17, 2013

How to Import Historical Transactions

Newcomers to YNAB may wonder how to import a lot of historical data.  This article will explain how to do that, but there are reasons why we don’t recommend it. It could take you awhile, depending on how much history you import.  Keep in mind every transaction will need to be
Last Updated: February 28, 2013

Using YNAB for iPhone

When you first launch the app, you'll be prompted to link your Dropbox account in order to access your Cloud Sync budgets. Follow the on-screen directions to do so. If you didn't create a Cloud Sync budget in YNAB 4 or you are using YNAB 3, choose the "Use Legacy Sync Instead" option.
Last Updated: November 30, 2013

Helpful Links

To save you some searching, we’ve organized the articles that new users find most helpful here in a linear fashion.  You can also search for anything at the top of the support page.  Keep your search words shorter for best results.  Click the ‘View all topics’ button
Last Updated: August 4, 2014

Allocate Income

Allocating Income is deciding ahead of time exactly how every dollar of your income will be used when the money arrives.  You may be familiar with this either from past experience with other software, or from a methodology that encourages it.  When using this direct to categories
Last Updated: January 17, 2013

Zeroing out the budget

There may be times you need to start your month over without going so far as erasing transactions in the register and previous months budgeted numbers via a full Fresh Start. This can prove useful in a number of different situations or budget approaches. You don't have a full buffer in
Last Updated: January 12, 2013

How to Transfer Money

Transferring Money from a Budget Account to an Off-Budget Account   Sample Scenario: You are tracking your car loan in YNAB. When you make a payment from your checking account, you want to make sure it shows up in the car loan account. Step 1: Select the account that the money is
Last Updated: September 20, 2012

Flexible Spending Accounts

Have an HSA and not an FSA? Learn about Health Savings Accounts. What are Flexible Spending Accounts? Flexible Spending Accounts (FSA) are usually offered by your employer and used for medical expenses.  They allow you to set aside funds for medical expenses before you pay taxes on the
Last Updated: July 16, 2013

Linux installation

The YNAB desktop software was written on the Adobe AIR™ platform starting back in 2009 with our previous version YNAB 3. Using AIR allowed us to maintain a single code base for Windows, Mac and Linux computers. Unfortunately, in June of 2011,
Last Updated: April 18, 2014

Shared Expenses

You may be in a situation where you are sharing expenses with someone. (roommate, spouse)  One person maintains the budget, and the other person contributes to the shared expenses. The simplest way to do this is to record the payment from the roommate as income and then budget it to
Last Updated: February 14, 2013

Mac App Store FAQ

Should I buy YNAB from the Mac App Store or direct from your website? The Mac app store makes it easy to manage your apps in one place, but there are some big benefits to buying direct: You can install it on any Mac or PC you own, not just Macs. You can take advantage of upgrade
Last Updated: January 2, 2014

Activation Keys

Did you just purchase YNAB 4? YNAB 4 is a completely new installation so you'll need to download it first if you haven't yet. It will arrive as a 'Trial' copy as all copies of our software do. You only need to paste in your key to remove the time limit and trial notices. Once
Last Updated: December 11, 2013

Running Balance

YNAB’s “Running Balance” works differently than what you may expect or might have encountered in other software.  When a transaction is entered, YNAB looks at that number and calculates the running balance in relation to the transaction directly preceding it when sorted by
Last Updated: February 12, 2014

Dropbox Troubleshooting

Please follow the steps below to determine which Dropbox account your desktop is linked to as well as whether or not that account has access to your YNAB mobile app. On your computer: Right-click on the Dropbox icon in your system tray at the bottom of the screen (menu bar at the top on a
Last Updated: December 11, 2013

YNAB Terms

Available to Budget This is the amount of money that has been entered as income, but has not yet been assigned to categories (jobs). When you are first starting and do not have a buffer, your goal should be to save some money each month toward your Buffer. Eventually you will have enough of a
Last Updated: February 4, 2014

Mac OS X installation

YNAB 4 will not run on Mac OS X 10.5.8 (Leopard) or earlier. YNAB 4 contains features and abilities that we could only get with OS X 10.6 (Snow Leopard) and above. Unfortunately, that excludes OS X 10.5.8 (Leopard) from being able to run YNAB 4. The only option you have if you'd like to run
Last Updated: September 24, 2012

Create an Ad-Hoc network on a Mac

These steps help troubleshoot connections between your iPhone and your WiFi network and an Apple computer. These steps will not work if you have an Android phone as it will not support this sort of connection. This article does not  apply to YNAB 4 with Cloud Sync. Instructions for
Last Updated: September 18, 2012

Searching Accounts

How do I search accounts? Searching One Account YNAB has a fully functional search feature that helps you find transactions within your accounts. To start a search, first select the account you'd like to search, then click in the search box. (You can also search all accounts at the same
Last Updated: May 15, 2013

Using YNAB for Android

When you first install and launch the app, you'll be prompted to link your Dropbox account in order to access your Cloud Sync budgets. Follow the on-screen directions to do so. If you didn't create a Cloud Sync budget in YNAB 4 or you are using YNAB 3, choose the "Use Legacy Sync Instead"
Last Updated: May 7, 2014

Health Savings Accounts

Have an FSA and not a HSA?  Learn about Flexible Spending Accounts (FSAs). What is a Health Savings Account? Health Savings Accounts (HSAs) are usually offered by your employer and used for medical expenses.  They allow you to set aside funds for medical expenses before you pay taxes
Last Updated: July 16, 2013

Verify your WiFi network connection

The steps below outline advanced steps in troubleshooting connections between your smartphone and your WiFi network. If you are having trouble getting your mobile app to sync with the desktop then please start at the mobile sync troubleshooting guide first before delving into the steps below.
Last Updated: September 27, 2012

Credit Card Points and Rewards

There are many different types of rewards offered by credit card companies.  In this article we’ll focus on: Frequent Flyer Miles Cash Rewards Points Frequent Flyer Miles Frequent Flyer miles are a loyalty program offered by airlines where you track how many miles
Last Updated: July 5, 2013

The Dropbox Folder must be in the default location

If you purchased YNAB from the Mac App Store, and you want to cloud sync, the Dropbox folder must be in the default location: [Home Folder]/Dropbox Why does my Dropbox folder have to be in the default location? This is only necessary if you purchased YNAB from the Mac App Store. That's
Last Updated: May 29, 2013

Share your budget without using Dropbox

This article describes how you can share your YNAB 4 budget with other desktop installations of YNAB 4 and enjoy the same auto-updating features we've built in for Cloud Sync. However,  this approach WILL NOT automatically update your mobile YNAB app on iPhone or Android regardless of
Last Updated: August 10, 2013

Sharing Your Budget

YNAB’s Cloud Sync feature uses Dropbox to keep your budget in sync and up to date.  There may be times when more than one person needs to access the same budget. For example: A husband and wife with separate Dropbox accounts A friend or family member that you're helping to get
Last Updated: June 24, 2014

Restore your budget from Dropbox

If you have your budget set to Cloud Sync and you encountered an error that read "This file couldn't be loaded" in regard to a file ending with '.ymeta' then it's usually the result of the files from Dropbox having not fully synced yet. The quickest fix for this is to
Last Updated: December 11, 2013

Balancing Accounts with the Budget

If you think that things aren't balancing correctly between your budget and accounts, you can check it by using these steps. Before working through these steps,  make sure your account balances are correct, and your transactions categorized correctly. Step 1: Make sure there are no
Last Updated: February 26, 2013

Open a CSV export in Excel

YNAB can export all of your account and budget data to a CSV file so you can analyze it in Excel. To accomplish this click File > Export and you will be prompted with 2 options:   Once you choose Export to CSV YNAB creates 2 separate files with a .csv file name extension and the
Last Updated: September 25, 2012

Create an Ad-Hoc network in Windows

You should follow these steps only if normal sync fails to work. If you are having trouble getting your mobile app to sync with the desktop, please start at the mobile sync troubleshooting guide before trying these steps. These steps help troubleshoot connections between your iPhone and your
Last Updated: October 16, 2012