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Welcome Essence of Clarity Fans!

Make this the year to gain control of your finances, stop living paycheck to paycheck, get out of debt, and save more money.

YNAB App Available On Web, iOS and Android
YNAB App Available On Web, iOS and Android

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.

A Budget that Gives You Real Results

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

Changed Lives Speak for Themselves.

It doesn’t have to stay like this forever. These people turned around their finances, and you can too.

  • Budgeting Together Has Been Life-Changing

    YNAB has allowed us to experience a peace around money that I don’t think I ever thought was possible. ”

    —Laura and Matthew YNABers since 2018
  • My Net Worth Went from -$34K to $43K

    When I got frustrated with Mint and its lack of flexibility, I found YNAB through some random blog post. I never looked back.”

    —Shelby Three Years of Using YNAB
  • Now We Always Have Enough for Date Night

    Our budget actually gave us permission to go out and have fun!”

    —Jessica
  • I Paid Off $24,000 in the First Year

    Without the system and the support, I would have been canoeing without a paddle! Thanks for being my paddle, YNAB!”

    —Tanya First Year Using YNAB

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.

  • Award-Winning Support

    Need help? You’ll have real people ready to assist whenever you get stuck.

  • Live Education

    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.

I’ve come across many people in my reporting who have attested that it’s life-changing.”

—New York Times

The best budgeting app for people serious about getting out of debt.”

—CNBC

Cult favorite YNAB uses a four-rule system to help users maintain a zero-based budget...with free workshops and budgeting guides that some of the free apps may not provide.”

—Today