Welcome Confluence Friends
Make this the year to gain control of your finances, stop living paycheck to paycheck, get out of debt, and save more money.
Get Your Finances in Order
Money doesn't have to be messy. The YNAB budgeting app and its simple four-rule method will help you organize your finances, demolish your debt, save piles of cash, and reach your financial goals faster.
Changed Lives Speak for Themselves.
It doesn’t have to stay like this forever. These people turned around their finances, and you can too.
How It Works
1. Start Your Free Trial
Make a plan for your money with a no-commitment test drive of YNAB’s app. Free for 34 days!
2. Use the Proven Method
We’ll show you how to manage your money simply, easily, and conveniently with YNAB's four-step method.
3. Gain Total Control
Pay off debt, manage your spending, save more, build wealth, and put yourself in the driver’s seat of your financial future.
A Proven Method for Less Money Stress
It all starts with the first rule of the four-step YNAB’s method: Give Every Dollar a Job™. Take the money you have and assign it all to convenient digital envelopes.
See All Your Money in One Place
Your complicated mix of bank accounts, credit cards, and loan balances are now ported into one central view. Start your budget to feel the instant relief.
A Flexible, Guilt-Free Spending Plan
Budgeting with YNAB isn’t restrictive. It’s flexible and custom-fit to your priorities, not the other way around. Adjust anytime: No guilt. No hand-wringing. It’s a halftime change. Not only expected, but encouraged.
Work Every Penny to the Fullest
Align Your Money & Goals
What do you want? A house? A vacation? Financial independence? Set a target and watch the balances fill up.
Plan for Non-Monthly Bills
Stop the late fees once and for all. You’ll have money waiting for bills instead of bills waiting for money.
Get on the Same Page
If you budget with someone else, YNAB gives you a shared view of your finances while still leaving room for independence.
Change the Way You Think About Money
YNAB is more than just an app. We’ll help you fix your financial anxieties without shame or guilt. And yes, you can still buy coffee.
Need help? You’ll have real people ready to assist whenever you get stuck.
Our expert teachers offer free live classes to set up your budget and more.
A Tool You Can Trust
Your data is private—it’s yours and only yours. You are NOT the product.
A Lively Community
Come exactly as you are, debt and all. We’ve been there too.
Even the Press Likes Us. You Will Too.
Yes, our customers spreading the word to their friends and family is our favorite thing ever. But getting press mentions (galore) is pretty great too.