Simple. Effective.

I can’t stress enough how helpful this program has been for me. I am only a few months away from not owing any person or company a single cent, and a large part of ending the constant debt cycle is due to using YNAB. My savings and investment goals are no longer in the hand-waving making-quotes-in-the-air future. It’s going to be awesome getting to decide what I do with EVERY dollar that I make.” - Paul Schmidt

“I was disappointed with the traditional “personal finance” package offered. Your system is a breath of fresh air. It does the job-and all in two hours each month.” - Linda, OH

“Your four principles of cash flow management are straight forward and easy to follow. Having the budget do it all for me has sure” made it nice. Thanks for your work. - Jake, AZ

“My wife has done the financial data keeping on paper for years and I am now stepping in to distribute the load. I knew I wanted to go electronic but I also was very unenthusiastic about my software options. I went first to the Quicken site and found lots of cute marketing extras that I will never use and, as I expected, I found only historical applications. I need to know where I am going not where I have been.” - Seth, Thousand Oaks, CA

“We’ve managed to pay off ALL our credit cards! The combination of cash flow management with the debt paydown system really works.” - Steve, Atlanta, GA

“First, I want to thank you for your quick response to me last week when I first purchased the YNAB spreadsheet. I really appreciate you getting back to me so quickly. The spreadsheet is very comprehensive and I do believe it will help me with my budgeting.” - Kim, Salt Lake City, UT

“We started using YNAB 4 months ago. Budgeting - life - is so much better now that we’re no longer living paycheck to paycheck.” - Ann, Phoenix, AZ

“Looking forward to using your product. It is exactly what I need.” - Rod, Arlington, VA

“Implementing these simple cash flow techniques, with the help of these tools, has made our life a whole lot easier. Where were you when I was 20?” - Allan, Farmington, UT

“Again, I just want to say what you are doing is truely ingenious but yet so simple. I stayed awake for quite a while last night realizing all the advantages to your system!! Love it!!” - L. Abrahams

“Our first “rainy day” came this month. We didn’t feel a thing! I never knew we actually could make ends meet. Now, to our surprise, money is left over!” - Margaret, Tulsa, OK

“Just spending twenty minutes together each month to go over the budget has really saved us. We no longer feel guilty when we spend money!” - Mike, Orlando, FL

“I made the mistake of making my wife handle all of the finances. She really felt burdened. Now we’re both on the same page - reaching our goals together.” - Chris, Scottsdale, AZ

“I’m so enamored of your program and how straightforward it is. I just purchased a second copy to give to my sister and brother-in-law as a gift. I’m sure it will help them as it’s helped me.” - Eric Bergsten

“Hey, Jesse - Just wanted to let you know that I really like the Debt Snowball bonus. It’s helped me and my wife get focused and organized. We’re well on our way to being debt-free.” - Luis, Atlanta, GA

“Finally, for the first time in my life, I feel like I actually have control over my money. The budget gives you rules, but at the same time, more freedom!” - Denise, Richmond, VA

“What a nice piece of programing. I am looking forward to using it every month.” - Linda, Hayden, ID

“It feels so good to have the money for bills when they come in. I don’t wait to get paid to pay my bills anymore. As soon as one comes, I just pay it. I cannot tell you how much peace this has brought to me.” - Tamara, Richmond, VA

“WOW! I did not realize you could do so much with excel.” - Damon, TN

“First of all, let me just say that YNAB is fantastic! I recently got fed up with MS Money and so tried Quicken - forgetting that I’d read earlier how horrible the newest Quicken version truly is. The next day I found your site and bought YNAB.” - Joseph, Phoenix, AZ

“Just a quick note to thank you for allowing me to download YNAB Version 2. I’ve just got it up and running and must congratulate you on a MUCH IMPROVED interface. It makes everything so much easier to do, particularly working on allocating the monthly budget amounts, as well as recording the daily spending.” - Roger, Canberra, Australia

“YNAB 2.0 looks REALLY good. Seriously! I really like how you enter all of the expenses in one place. Pretty sweet!” - Jon, Orem, UT

“Glad to see the OpenOffice update, too. Nice work.” - James

“I love the new edition, it is faster than ever to do my finances. I have tried many products and even tried making my own spreadsheets without any improvement in my financial attitude or position. YNAB is the perfect financial system I have been looking for, it is amazing!” - Thomas, Ottawa, ON

“I cannot thank you enough for designing such a great program which totally gives me the peace I’ve been striving to attain. I appreciate that you have taken the time to develop a program that works, it’s not expensive, and you only have to pay once. It’s nice of you to share your experience with others.” - Tamara

“These spreadsheets look so simple! Just what I’ve needed. I downloaded both OO and YNAB, as well as the system setup guide. I’ll start inputing today. Thanks so much!” - John C, Pittsburgh, PA

“All I can say is - WoW!!! You are truly amazing. I’ve never got this kind of quick, detailed and helpful response from anyone I purchased from before. You truly stand behind your product and it’s obvious you are doing this to truly help people, not just make money. Way to go! What can I say - except thanks and I promise I will use it to make our lives better. I will definitely spread the word.” - Kim, NM

“Jesse, I got the program about 5 minutes after I emailed you. That was fast! Your system sounds incredibly smart and of course-all common sense!” - Mindy, KY

“I liked your idea of a living budget the minute I saw it. Having used many spreadsheets and programs for trying to keep a budget for longer than the last ice age, I always quit after a few months. Too many of them were great at keeping track of what I DID with my money but lousy at helping me KEEP some of my money. They fall into that category of what I call Dead spreadsheets. They provide great post mortem but not must use at helping with the future. I will be ordering your spreadsheets with my next paycheck.” - Geoff, South Milwaukee, WI

“Thanks for your help. From what I’ve see so far, your spreadsheet is exactly what I’ve been looking for and have not been able to find in either my own spreadsheet creations or in Microsoft Money.” - Nicholas, Colorado Springs, CO

“Thank you so much for your good service. Because of this good service, you can bet I will purchase your system as soon as I can.” - Sheryl, Birmingham, AL

“I just bought your program and I like it. I’ve had my own spreadsheet I’ve used for years but yours has automated many of the things I did manually in mine. Thanks.” - Kevin, Henderson, NV

“I’m setting things up to commence your system on 1 July, and am very impressed with not only the spreadsheet, but also your “zero-based” budgeting concept. I love the idea! I’ve read many of your articles on your web site, and have found them very helpful.” - Roger, Twin Falls, ID

“Hello…I am so impressed. This is just what I have been looking for for many years.” - Akslund, Opstryn, Norway

“Read your pitch, realized you were real life, used it personally, and shared the same qualities…hurried, and wanted something detailed enough that it would provide me into-the-future answers via a history. Your product solves that, As well, Excel is my preferred format.” - Rod Vance

“The spreadsheets look awesome and I am so excited! I just wish I had stumbled upon them before I spent my tax refund on repairs. No worries though; I’ll get there.” - Mirika, Orange County, CA

“This is the best budget plan I have seen out there.” - Natalie, Pensacola, FL

“…anyway, I did not intend to write a novel. I need to start inputing data. I just wanted to say a special thanks for putting out a good product.” - Seth, CA

“I really appreciate all your help! It’s such a great concept. I was actually using Mvelopes online program for awhile and actually noticed our finances improved drastically while I was using it. But, it was SO SLOW and had a monthly fee. So, then I created a VERY manual Envelopes concept in Excel which was Free but EVEN SLOWER than the online program So, I was very happy to find your spreadsheet online. And you can’t beat the customer service :)” - Jessica A.

“Thanks for the great service, I’d recommend your business to anyone.” - Sean C., Quebec

“I’m looking forward to using your system. Looks good. Thanks and let me know if you come out with anything else.” - Matt B., Orange County, CA

“Thanks for the incredibly prompt service! I LOVE your program!” - Nancy Shivley

“It is a wonderful tool. Thanks again.” - Phyllis Morelli, VA

“Thanks for the fast response! This spreadsheet has really helped us use our money wisely.” - G Harman

“Jesse, this budget works. Two months in a row I have lived on what I earn.” - Tamara Gardner, VA

“Jesse, I am anxious to get started and look forward to finally being in control of our finances! Thanks again!” - Kim O., Boulder, CO

“Hi. I have been using YNAB for one month now and really like it. This is a big change for my husband and me to tell our money where to go rather than wonder where it went. We are still getting used to keeping track of all spending, but we’re getting the hang of it.” - K. Newmann

“Thank You, Thank You, Thank You!!! My wife and I were just talking about how crappy the customer service is these days with most companies, and how incompetent so many people are at doing their jobs. In fact, we were both trying to think of just three companies that really “knock our socks off” with great service and that we love dealing with. I probably don’t have to tell you that it was very difficult thinking of even one. So… that’s why I say THANK YOU! You’re definitely an exception to the rule. Sometimes, before purchasing something online, I can’t even get a single response to an email, let alone a bunch of questions answered. But you have taken so much time and been very patient with me — and you only charge $20 for your product! You know, you really should be charging more than 19.95 for this little gem. I wish I would have found you a LONG time ago! My wife and I always thought we had a pretty good handle on our finances, but we always stopped short of being able to budget powerfully and effectively since we were using Quicken and/or Money. Those tools took us about 50% of the way, but YNAB definitely brought us into home plate. We appreciate your hard work!” - D. Mauder