Gain Total Control of Your Money

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

Gain Total Control of Your Money with YNAB
Gain Total Control of Your Money with YNAB

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.

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

Here’s how it works.

You Need A Budget is different than anything you’ve tried before.

We won’t promise you it will be effortless. We aren’t interested in helping you “trick” yourself into saving. We will never try to dictate how or where you should spend your money.

Instead, YNAB will teach you how to prioritize and plan, so you have money for the things that are most important to you—whatever they are.

Don’t take our word for it!

Changed lives speak for themselves.

  • 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
  • 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
  • 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

You can do this! Right now! For free.

Budgeting is not restrictive. You won’t be spending less, you’ll be spending right. So what do you have to lose? Except all that debt and stress?