YNAB will help you break the paycheck to paycheck cycle, get out of debt, and save more money. On average, new users save $600 in the first two months, and more than $6,000 in the first year. Try it free for 34 days.
Bank Synching—Easily connect all your accounts in one place.
On the Go— Realtime access to all your data makes it simple to share finances with a partner.
Debt Paydown—The tools and teaching you need to help you get out of debt for good.
Goal Tracking—Set and track goals to reach them faster.
Reporting—Detailed, visual spending and trend reports help you measure progress and improve.
Personal Support—Our friendly support team is available around the clock via email, live chat, and offer 100+ free, live workshops every week.
Proven Budgeting Method & Apps: “YNAB is the first budgeting app I’ve ever used, stuck with, and that has made sense. Absolutely love it!” -- @brennandunn
Get Out Of Debt: “I never, ever, ever thought I’d see this, and yet here it is: CREDIT CARD BEAST DEFEATED! Props to @YNAB which helped me get it done!” -- @taber
Personal Finance Savior: “3 years ago I started with YNAB, the goal was paying off all my debt. With YNAB, I was able to double the goal! Bye, financial stress!” -- @HancinGaming
Budget Planner & Expense Tracker: “I just don’t know what I’d do without YNAB. I’ve never been so financially aware in my life.” -- @janejoneslives
Money Management: “I’ve been using YNAB for over 2 years, and in 23 days my fiance and I will be paying for our wedding without any loans because of YNAB. Thank you!” -- @Thai_Jonny
You’ve Never Budgeted Like This Before...
YNAB is unlike any personal finance app, expense tracker, or money management system you’ve tried before—because it works. The powerful combination of award-winning budget apps and our proven method—YNAB’s Four Rules—have changed the lives of hundreds of thousands of people by teaching them to get control of their finances, stop stressing, and live the life they want to live.
A Proven Method—YNAB’s Four Rules
Rule One: Give Every Dollar A Job | Be intentional about what you want your money to do before you spend it. By tracking your expenses you will make better decisions.
Rule Two: Embrace Your True Expenses | Break up larger, less frequent expenses into smaller, more manageable amounts. By saving monthly for insurance premiums, holidays, or car repairs, when the time comes, your money is ready and waiting to do its job.
Rule Three: Roll With The Punches | When life changes, so must your budget. Make adjustments and move along. Flexible budgets succeed because they’re guilt-free, realistic, and sustainable. Good money management habits are ones you can stick with.
Rule Four: Age Your Money | As you repeat the first three rules, you’ll increase the time between the moment you earn a dollar and the moment you need to spend it. When your money is at least a month old, you’ll have finally broken the paycheck to paycheck cycle for good. Your personal finances will never feel the same again. In a good way.
Free for 34 Days, Then $50/Year
We don’t want your money unless you feel like YNAB is helping you gain control of yours. In fact, we offer a No-Risk, 100% Money-Back Guarantee. At any point, if you don’t feel like you have more control of your money with YNAB, we’ll give you a full refund. No questions asked.