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Sound cliché and overdramatic? Normally we might agree, but this is the kind of feedback we hear from our customers every day. (Yes, every single day.)
Try YNAB For Free
Try YNAB For Free
YNAB is different from anything you’ve tried before.
Ready to break up with your spreadsheet? Tired of tracking your money in an app without seeing any results?
The YNABMethod
Our four rules will change your financial future forever.
The YNAB Method is a proactive, flexible, and empowering system that shows your money who's boss (hint:it's you). Those money mysteries? A thing of the past. Your financial goals? Get ready to meet them.
Master the Method
1
Give Every Dollar a Job
What do you want your money to do before you get paid again? Assign each dollar a job and create a plan for your spending.
2
Embrace Your True Expenses
Non-monthly expenses like car repairs and holiday shopping are a fact of life. Break these down into manageable monthly chunks.
3
Roll With the Punches
It's a spending plan, not a spending prison. When life changes, change your plan! No guilt necessary—it’s your money.
4
Age Your Money
As your awareness grows, you’ll start spending less. Eventually, you’ll be paying bills with money you earned 30+ days ago.
Master the Method
how we’re different
YNAB vs. budgeting apps
Sure, you’ve got pie charts showing that you spent an obscene amount of money in restaurants—but you’ve still spent an obscene amount of money in restaurants. This is why you’ve never heard anyone say that Mint changed their life.
YNAB is future-facing. You’ll know where your money is and what it should be doing because you’ll be following the plan you made. Decisions get simpler and easier.
1
Align your spending with your priorities.
2
Stop fearing infrequent or unexpected expenses.
3
Share your subscription with five of your favorites.
Tried every possible product, even EveryDollar, but with YNAB it really made sense. It satisfied the nerd in me with the reports and how detailed I can get with my finances.”
Eric,
paid off over $37k in 2 years
how we’re different
YNAB vs. “set it and forget it” personal finance apps
There are a whole slew of apps built on the premise of doing everything for you—and at first glance, this may seem appealing. But if the main selling point is that “you won’t ever have to think about it” or “you won’t even realize you’re saving,” nothing about your finances is really going to change.
YNAB helps you face your finances with eyes wide open. Even if you don’t like what you see, you’ll know your next step. And then the one after that. You’ll never look back.
1
Create a flexible financial plan that’s easy to follow.
2
Simplify saving with more intentional spending.
3
Set targets to plan for upcoming expenses.
I paid off all our debt using YNAB! YNAB keeps us in check always. We tell everyone about YNAB because it has literally changed our lives.”
Teisha,
has a custom license plate that says YNABERS
how we're different
YNAB vs. your spreadsheet
You should know we’re big fans of spreadsheets over here. And we are sure yours is particularly amazing. But if you aren’t using your spreadsheet to make spending decisions because it isn’t always up-to-date or you and your partner aren’t always on the same page because only one of you can access it, YNAB might be worth a look. After all, we started as a spreadsheet…and then spent hundreds of thousands of hours making it more functional so you didn’t have to figure all of that out.
YNAB lets you operate with current information and makes it easier to manage money with a partner. Anyone with a phone has access to the info, all the time—no excuses.
1
Real-time updates make it easy to trust your financial plan.
2
YNAB’s integrated loan planner helps demolish debt.
3
Spreadsheet formulas are tricky—YNAB does it for you.
We tried Quicken. We tried spreadsheets. Nothing really gave us financial peace and a feeling of control of our money. I started my trial in August of 2016. Within months, we knew where our money was going, and we knew where we wanted it to go, and we had the tools to make it happen!”
Mira,
retired with a 6-month emergency fund
See what all the fuss is about
Ready to get a grip on your finances with a simple tool to make daily decisions? Try YNAB for free! What do you have to lose? (Other than debt and stress?)
Start Your Free Trial
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