![]() ![]() But they produce tutorials that explain it well. That is not intuitive the way the rest of the program is. The only tricky bit is understanding how YNAB budgets your credit card purchases. It shows monthly and quarterly reports so I can see trends over time. But then I spend 1 to 3 minutes each morning reviewing the previous days expenditures, and maybe 10 minutes a month reconciling my accounts. Do watch the tutorials first on how to set it up. In the beginning it does take a few hours to set up categories and get banks connected, mainly because it is so customizable, but once it is set up it is virtually effortless to maintain. But YNAB did a good job of communicating how they were working to resolve the issues. The only issues I’ve had were with banks making it hard to set up connectivity. ![]() I found the program itself is well designed, reliable, and easy to use. The beauty of YNAB is that it is flexible and dynamic, and allows you to adjust your spending plan as you need to. Which is the problem: once you set it, you forget it and you drift away from your spending plan. Most budget programs are set it and forget it. Subscription to that publication, where applicable. Any unused portion of a free trial period, if offered, will be forfeited when the user purchases a Subscriptions may be managed by the user and auto-renewal may be turned off by going to the user's Account Settings after purchase. Account will be charged for renewal within 24-hours prior to the end of the current period. Subscription automatically renews unless auto-renew is turned off at least 24-hours before the end of the current period. Payment will be charged to iTunes Account at confirmation of purchase. YNAB is a one-year auto-renewable subscription, billed monthly or annually. How do you want to spend your money, or more importantly, your life?įree for 30 Days, Then Monthly or Annual Subscriptions Available YNAB and its simple set of habits will help you spend purposefully, save aspirationally, and even give generously. how you spend and celebrate how you save. been using YNAB for over two years, and in 23 days my fiance and I will be paying for our wedding without any loans because of YNAB." With YNAB, I was able to double the goal! Bye, financial stress!" "Three years ago I started with YNAB, the goal was paying off all my debt. Our arguments about money have magically evaporated.” that net worth is creeping upward, it’s such a relief. "I never, ever, ever thought I'd see this, and yet here it is: CREDIT CARD BEAST DEFEATED! Props to which helped me get it done!" ![]() Resources Galore: Our award-winning support team is eager to answer your questions and a wealth of free resources, including live workshops, video courses, written guides, and more. We don't host in-app ads or pitch recommended products. Privacy Protection: We don't (and won't) sell your data. Spending & Net Worth Reports: See your spending averages (down to the cent) and your growing net worth in full technicolor glory by slicing and dicing your data. Import Income & Expenses: Add transactions manually or securely link accounts to view your big financial picture in one place. If not, we'll help you make a plan to get there! Goal Setting: Turn your dreams into categories, set spending targets, and visualize your progress as you go.Ĭredit Cards: You'll always know whether you can pay off your credit card balance. Manage your Loan Payoff: Tackle debt by calculating the time and interest saved with every extra dollar paid.Įxpense Tracking: View changes to your budget in real time to simplify sharing finances with a partner. Confident, secure - are you ready to feel this way about your money (and so much more)?īuilt for Partners and Families: A close-knit group of up to six people can share budgets (and dreams!) at no extra cost. As these habits become second nature, you’ll stop fighting about money, make better decisions, and sleep better at night. YNAB has taught millions of people a set of habits to change their relationship with money for good. You need a set of habits to change your mindset and your behavior, until you are spending purposefully, saving aspirationally, and even giving generously. It’s time to change your relationship with money and enjoy your spending.ĭon’t settle for a life of constantly second-guessing your spending decisions, your progress, and your future-trapped somewhere between defeated, embarrassed, and overwhelmed. You aren’t broke, but your money mindset is. Where does your money go? Frustrated you aren’t getting ahead? Entirely unsure about your future? You’re asking the right questions but the world has taught you to think about money all wrong.
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