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Where Does All My Money Go?

You thought you made plenty of money, but why does it feel like you have nothing to show for it?

Find Clarity When Spending is a Black Hole

When you get your W-2 every year and look at the line that shows your gross income, it always makes you pause. It seems like a lot of money, but where does it all go?

Imagine knowing your average monthly grocery spending down to the cent, and having all the data you need to make informed financial decisions. You can finally hone in to buy that dream house, pay off that last debt, max out your retirement savings (or do all three!).

We're Here to Help

Want more financial clarity and knowing exactly where you stand? We can help. Here’s how it works.

  • 1. Try YNAB for Free

    Sign up for a free 34-day trial. Poke around a bit. Decide if you like us.

  • 2. Build Your Budget

    We’ll help you set up a budget so you can quickly build up a buffer and track your progress.

  • 3. Get Financial Clarity

    Stop wondering where your money all goes, and start proactively planning for the things you want.

Optimize Your Earning Power

Jacob thought home ownership would never happen. He and his partner make good money, but it never seemed to accumulate into a pile big enough for a down payment. A year ago, they had nothing saved, and then they implemented a simple three-step plan in their budget and everything changed.

  • Know Your Priorities

    When you decide what’s important to you and commit to it realistically, you might just wake up one day and notice you’ve saved $30,000 without even realizing it.”

    —Jacob (and yes, he actually did this!)

Where's Your Pain Point?

  • Simplify

    Help! My money feels like a confusing tangle.

    The overarching goal of your financial life is to simplify, simplify, simplify. Here’s how to slim and trim the mental overhead of your money.
  • Help! I don’t have time to learn how to budget!

    Surely you’ve got five minutes! Or a lunch break? We can work with your limited time table: here are the essentials you need to know.
  • Help! I’ve never budgeted before.

    When you have a handful of credit cards, a car loan, and a tangle of student loans all with varying balances and interest rates, it can be tough to know where to start.

Practical Tools For Paying Off Debt

  • Hands-On Learning

    Our always-friendly teachers will show you the step-by-step mechanics of setting up your spending plan and optimizing your budget.

    Talk to the Experts
  • Learn the Method

    Prefer to watch instead of read? Dive right into the video course to learn the four simple rules to mastering your money.

    Watch Video Course
  • The Secret to Budgeting

    Learn about zero-based budgeting, a powerful system that will change how you spend and save money.

    Watch Now

See Real Budgets of People Who Gained Financial Clarity

  • I’m 24, Live with a Roommate, and I Make $62K/year

    Kay would struggle to understand where her money went after she got paid, especially because her friends saw her as the “financially responsible” one. See how she keeps everything organized now.
  • YNAB Money Snapshots

    I’m 41, Make $159K a Year, and My Partner and I Live in DC

    Tony realized his credit card bills kept going up: but he wasn’t living extravagantly and felt like he made plenty of money! After an eye-opening moment of tracking his spending, now he has expenses firmly under control.
  • I’m a Physician, My Husband Stays Home With Our 3 Kids, and We Make $215K/Year

    Doc & Superdad have a much higher household income than they used to: but they also have a large student loan debt to manage as well. See how they’ve absolutely slayed their budget to neatly organize their entire financial life.

Recommended Resources

  • 7 Tips for Starting Your First Budget

    It can feel overwhelming when you first sit down to budget—I’ve been there! Here are seven handy tips to keep you from going too crazy. You’ve got this!

    Watch Video Located in: YouTube / Video
  • Watch: This Couple Paid Off $266K of Debt in 33 Months

    Who: Lauren and Kyle Mochizuki Where: San Juan Capistrano, California Total Debt: $266,000 Type of Debt: Credit card: $2,000 Car loans: $34,000 Mortgage: $230,000 Time to payoff: 2.75 years How they did it: Picked up work shifts Got a second job Made a chart with all their debt and celebrated every win Budgeted in YNAB …

    Read Blog Located in: Learn to Budget / Blog
  • Do I Need a Budget if I'm Cheap?

    I work in YNAB customer support and this was one of my favorite recent questions: Hello, I am a miser and I save all my money with minimum expenses. What can YNAB teach me? This self-proclaimed “miser” brings up a great question, and one that other fantastically frugal folks also might wonder. What good is …

    Read Blog Located in: Learn to Budget / Blog

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…)