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System Requirements
- Platform: Windows, Mac OS X
- Media: CD-ROM
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Technical Details
- Mac OS X, Linux, Windows, (Windows 7 / Vista/ XP / 95, / 98 / 2000 / ME / NT) Mac OS X (10.4.11 / 10.5.4 / 10.5.5 / 10.6), Linux (Fedora 8 and later / Ubuntu 7.10 and later / OpenSuse 10.3 and later)
- Stop living paycheck to paycheck - Get out of debt - Save more money faster
- Benefit from four unique, powerful rules for maximizing control over your money
- Gain financial peace by tracking all of your spending (dining out, groceries, bills) with one simple interface
- Be up and running in just minutes, also save time by importing your bank transactions
Product details
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Product Description
Praised across the internet as hands-down the "best budgeting software", You Need A Budget (YNAB) cuts to the chase with your finances. The software focuses you on the foundation of your finances: the Budget. Experience has shown that when your budget is intact, and functioning correctly, everything else takes care of itself (the bills are paid on time, retirement contributions are made, and unnecessary debt is eliminated). The software is built around Four Rules of Cash Flow. These Four Rules will help you break the paycheck to paycheck cycle, get out of debt, and save more money faster. Where other software packages tend to be the products of years of feature creep, YNAB offers you exactly what you need: a simple, straightforward system to manage your money. Remember to take advantage of YNAB's fantastic support resources: video tutorials, and free live budgeting classes for any and all interested! YNAB is built on the powerful Adobe AIR platform, which means you can run it on Windows, Mac, or Linux!
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Customer Reviews
Most Helpful Customer Reviews
4 of 4 people found the following review helpful
This is fantastic software, i can't recommend it highly enough.
It's easy to pick up and get started, it's incredibly flexible to adapt to different situations and preferences, and it's also gorgeously designed and graceful in it's execution. There's a free 7-day trial, and a vibrant and helpful online forum of staff team and experienced users to answer any question you can come up with. There's also a fantastic set of introductory information and online video tutorials.
At it's heart, YNAB is a tool which helps you visualise and allocate how you *need* to, and how you *want* to spend your money. This is the budget part. It has some values embedded in it: decide where every penny is going; allocate for large expenses regularly; reduce here if you overspend there; live on last month's income. As part of this process you will be tracking how you actually *do* spend your money: this is the account-tracking part, complete with import from bank accounts, which will likely be familiar to users of other financial software packages. These two elements combined make for a very grounded and responsive personal finance system, which in slow-motion, looks like this: Money comes in. You budget it. You refer to those budget allocations (or not) when making spending decisions ~ but your spending is reflected back in the budget (via account tracking) ~ you review the budget and adjust if necessary. Repeat until it's second nature, any red numbers dimish, and your financial wellbeing flourishes!
These days, if i want to know what i can spend, i don't look in my purse, or check my account balances - i check my YNAB category balances. My current account might be hundreds in credit, but in YNAB I'm reminded of my plans for that money, and thus, whether or not to buy that iPad or this chocolate bar, or actually just pay the rent. This is a shift which happens slowly ~ but gone are the days of 'accidentally' being over-drawn or 'having to' put something on the credit card: now it's all allocated in advance. Additionally, if you're so inclined, YNAB can quietly help align your values with your spending, as it slowly becomes clear if there are gaps between your intentions and dreams, and the actuality of your day to day spending.
If you've got a decent income or even some surplus, you'll likely plug in your financial info and zoom off. But if you're broke, don't have a month's surplus, are behind with things, or in debt ~ well, you might need to bend a few of the YNAB 'rules' in the beginning, but i'd really encourage you to jump right in too! I've found YNAB invaluable at helping me get a grip on my finances, keep afloat, and even reduce debt, all while recession has been knocking the stuffing out of my income. I found YNAB paid for itself within a matter of weeks, and many times over in the past two years, not just in money saved and money spent more wisely, but also in peace of mind and a quietly growing financial confidence.
It's easy to pick up and get started, it's incredibly flexible to adapt to different situations and preferences, and it's also gorgeously designed and graceful in it's execution. There's a free 7-day trial, and a vibrant and helpful online forum of staff team and experienced users to answer any question you can come up with. There's also a fantastic set of introductory information and online video tutorials.
At it's heart, YNAB is a tool which helps you visualise and allocate how you *need* to, and how you *want* to spend your money. This is the budget part. It has some values embedded in it: decide where every penny is going; allocate for large expenses regularly; reduce here if you overspend there; live on last month's income. As part of this process you will be tracking how you actually *do* spend your money: this is the account-tracking part, complete with import from bank accounts, which will likely be familiar to users of other financial software packages. These two elements combined make for a very grounded and responsive personal finance system, which in slow-motion, looks like this: Money comes in. You budget it. You refer to those budget allocations (or not) when making spending decisions ~ but your spending is reflected back in the budget (via account tracking) ~ you review the budget and adjust if necessary. Repeat until it's second nature, any red numbers dimish, and your financial wellbeing flourishes!
These days, if i want to know what i can spend, i don't look in my purse, or check my account balances - i check my YNAB category balances. My current account might be hundreds in credit, but in YNAB I'm reminded of my plans for that money, and thus, whether or not to buy that iPad or this chocolate bar, or actually just pay the rent. This is a shift which happens slowly ~ but gone are the days of 'accidentally' being over-drawn or 'having to' put something on the credit card: now it's all allocated in advance. Additionally, if you're so inclined, YNAB can quietly help align your values with your spending, as it slowly becomes clear if there are gaps between your intentions and dreams, and the actuality of your day to day spending.
If you've got a decent income or even some surplus, you'll likely plug in your financial info and zoom off. But if you're broke, don't have a month's surplus, are behind with things, or in debt ~ well, you might need to bend a few of the YNAB 'rules' in the beginning, but i'd really encourage you to jump right in too! I've found YNAB invaluable at helping me get a grip on my finances, keep afloat, and even reduce debt, all while recession has been knocking the stuffing out of my income. I found YNAB paid for itself within a matter of weeks, and many times over in the past two years, not just in money saved and money spent more wisely, but also in peace of mind and a quietly growing financial confidence.
Most Helpful Customer Reviews on Amazon.com (beta)
Amazon.com:
215 reviews
195 of 200 people found the following review helpful
Straightforward, solid BUDGETING software
23 Nov 2007
I earn a good living. Yet earlier this year, several months after buying a house and getting settled back into the swing of things I couldn't escape the notion that my family was living beyond its means.
And we were. And YNAB helped me see it.
I'd previously used Quicken and Microsoft Money in an effort to do budgeting to no real effect. The truth is, Quicken and Money are more about having fancy checkbook registers than they are about helping you identify and conform to a budget. This is where they fail.
YNAB is straightforward and it does one thing, and one thing only -- it helps you create and manage a budget. With careful record keeping, you can do the same thing YNAB does with a pen and paper, or with Excel -- but the software is simple and easy-to-use and readily imports transactions (without fail) from my banking institutions.
I used to worry that the number in my checking account may not be enough to make everything come together. I can unequivocally state that now... I just don't care. Because of YNAB, I absolutely know that there's always money enough for anything that's going to come along.
YNAB has helped me exercise some discipline and do so without significant data entry or long, tortured sessions at the computer. If you're looking for something to help you manage your budget this is the software you should get. Ignore the name brands that simply aren't up to the task.
And we were. And YNAB helped me see it.
I'd previously used Quicken and Microsoft Money in an effort to do budgeting to no real effect. The truth is, Quicken and Money are more about having fancy checkbook registers than they are about helping you identify and conform to a budget. This is where they fail.
YNAB is straightforward and it does one thing, and one thing only -- it helps you create and manage a budget. With careful record keeping, you can do the same thing YNAB does with a pen and paper, or with Excel -- but the software is simple and easy-to-use and readily imports transactions (without fail) from my banking institutions.
I used to worry that the number in my checking account may not be enough to make everything come together. I can unequivocally state that now... I just don't care. Because of YNAB, I absolutely know that there's always money enough for anything that's going to come along.
YNAB has helped me exercise some discipline and do so without significant data entry or long, tortured sessions at the computer. If you're looking for something to help you manage your budget this is the software you should get. Ignore the name brands that simply aren't up to the task.
281 of 293 people found the following review helpful
Great software
17 May 2007
YNAB Rocks! In a truly frightening kind of "I spend that much money on THAT!" way but in a great way because you can see the impact of your daily coffee habit on your car insurance payment 6 months away.
YNAB allows you account for all your annual bills in 1/12 increments and then when they roll around the money is there to pay for them.
The heart of the YNAB system is a "buffer" which is comprised of last months paychecks in order to allow you to save this months paychecks. You can only live on last months money that you have budgeted into categories beforehand. The premise is that you are never broke and will not have to worry about fluctuations in income if you are living on what you have ALREADY earned.
So the buffer is one full months income. So I'm earning May's income and it is just pouring into my checking and sitting there. Also sitting there is all of April's income. April's income is what I'm paying my current bills with. May is accruing. And I'm budgeting for June's expenses with an eye to leftover April income instead of instantly using Mays.
The way I'm beginning to think of it is: Quicken is a snapshot of yesterday. YNAB is a crystal ball showing me the future.
This is a stand alone piece of software that can download transactions right from your bank so if you use a debit card you don't need to enter receipts for things. I can also say the tech support is the most amazing I have ever dealt with. I sent in a bug report and within 15 minutes had email waiting for me telling me to delete a particular font and then it worked perfectly.
Two thumbs way up but only if you want to see all the leaks in your money handling.
YNAB allows you account for all your annual bills in 1/12 increments and then when they roll around the money is there to pay for them.
The heart of the YNAB system is a "buffer" which is comprised of last months paychecks in order to allow you to save this months paychecks. You can only live on last months money that you have budgeted into categories beforehand. The premise is that you are never broke and will not have to worry about fluctuations in income if you are living on what you have ALREADY earned.
So the buffer is one full months income. So I'm earning May's income and it is just pouring into my checking and sitting there. Also sitting there is all of April's income. April's income is what I'm paying my current bills with. May is accruing. And I'm budgeting for June's expenses with an eye to leftover April income instead of instantly using Mays.
The way I'm beginning to think of it is: Quicken is a snapshot of yesterday. YNAB is a crystal ball showing me the future.
This is a stand alone piece of software that can download transactions right from your bank so if you use a debit card you don't need to enter receipts for things. I can also say the tech support is the most amazing I have ever dealt with. I sent in a bug report and within 15 minutes had email waiting for me telling me to delete a particular font and then it worked perfectly.
Two thumbs way up but only if you want to see all the leaks in your money handling.
144 of 154 people found the following review helpful
Great concept, too much manual entry
6 April 2010
Amazon Verified Purchase
I love the concept of YNAB: spending money from the previous month, planning ahead, etc. I had switched from MS Money to Quicken, and then tried YNAB. Yes, the tutorials are great, but they're really time-consuming. However, I spent the time, took the tutorials, and set up my finances in YNAB.
After a couple of months, however, I went back to Quicken. I found that Quicken also has good budgeting features, and while not in the same vein as YNAB, I just find Quicken easier to use. All of my accounts get automatically downloaded to Quicken, a feature not available in YNAB.
All in all, I just found that YNAB requires way too much manual entry. I might try it again at a later date, when I have the patience to do so.
After a couple of months, however, I went back to Quicken. I found that Quicken also has good budgeting features, and while not in the same vein as YNAB, I just find Quicken easier to use. All of my accounts get automatically downloaded to Quicken, a feature not available in YNAB.
All in all, I just found that YNAB requires way too much manual entry. I might try it again at a later date, when I have the patience to do so.
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