Gain Total Control of Your Money

Stop living paycheck-to-paycheck,
get out of debt, and save more money.

YNAB - The Budgeting App That Helps You Gain Total Control of Your Money
YNAB - The Budgeting App That Helps You Gain Total Control of Your Money

You Need A Budget is award-winning software and a proven method—that works.

What really makes You Need A Budget different is that we can teach you how to manage your money and get ahead—for good. What if your bills rolled in and instead of piling up, you just paid them? No sweat. What if you didn’t even realize it was payday because you had money in the bank and weren’t desperate for that check to arrive? Forget everything you think you know about budgeting and prepare to experience total control. 

YNAB Budgeting App - Available for Windows, Mac, iOS and Android

On average, new budgeters save $600 by month two and more than $6,000 their first year.

Watch this one-minute video about how it works

Changed lives speak for themselves.

We’ve helped hundreds of thousands of people get out of debt and gain control of their money.

  • Overcame Five-Figure Debt

    When I started using YNAB, the heavens opened and angels sang! Seriously, it was so simple! It really clicked with me.”

    Michelle & Billy YNABers since 2015
  • I paid off $56,000

    I thought of consumer debt as something that would always be with me. Now I know that I can stop adding to the debt, and I can even pay it off.”

    Erin YNABer since 2016
  • Broke the Paycheck-to-Paycheck Cycle

    Budgeting for true expenses has made a really big difference using YNAB. It has kept me from having to dip into my emergency fund in order to pay for quarterly or annual expenses. ”

    Bakari YNABer since 2017

You can do this! Right now! For free!

Budgeting is not restrictive. You won’t be spending less, you’ll be spending smart. So what do you have to lose? (Other than all that debt and stress, of course...)

Take Total Control of Your Money
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