You Need a Budget (YNAB) (pronounced Why-nab) is an American multi-platform personal budgeting program based on the envelope method. In 2013 it was the most popular personal finance software among Lifehacker readers. YNAB has taught millions of people a set of habits to change their money mindset for good. As the habits become second nature, you’ll stop fighting about money, make better decisions, and sleep better at night. Features: * Built for Partners & Families: A close-knit group of up to six people can share budgets (and dreams!) at no extra cost. * Manage your Loan Payoff: Tackle debt by calculating the time and interest saved with every extra dollar paid. * Expense Tracking: View changes to your budget in real time to simplify sharing finances with a partner. * Goal Setting: Turn your dreams into categories, set spending targets, and visualize your progress as you go. * Credit Cards: You'll always know whether you can pay off your credit card balance. If not, we'll help you make a plan to get there! * Import Income & Expenses: Add transactions manually or securely link accounts to view your big financial picture in one place. * Spending & Reports: See your spending averages (down to the cent) and your growing net worth in full technicolor glory by slicing and dicing your data. * Privacy Protection: We don't (and won't) sell your data. We don't host in-app ads or pitch recommended products. It’s never been our thing. Ew. * Resources Galore: Our award-winning support team is eager to answer your questions and a wealth of free resources, including live workshops, videos, written guides, and more

YNAB is a comprehensive personal finance app designed to help users manage their money effectively through a proactive budgeting approach. It supports cross-platform use, allowing access from various devices, including desktops, mobile devices, and smartwatches. The app focuses on zero-based budgeting, where every dollar is assigned a specific job, enabling users to plan their spending before it happens. This method helps users stay aware of their financial situation and make informed decisions about their money.

YNAB allows users to link their financial accounts and manually track transactions, providing a detailed view of their spending categories. Users can set financial goals, such as managing income, paying off debt, or avoiding overspending. The app offers a high level of customization, allowing users to tailor their budgeting experience to their specific needs. While it requires active engagement and effort from users, YNAB provides a structured approach to financial management, helping users gain control over their finances.

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Website: ynab.com

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