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Do money differently.
Experience the life-changing confidence, clarity, and joy of spendfulness with YNAB.
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91% of YNABers say YNAB has changed the way they think about money (for good!)
Budgeting doesn’t work. Intentional spending does.
The YNAB Method
Our method is magic
YNAB guides you through the practice of giving every dollar a job—it’s like having a life coach for your money. Here are five questions that can help guide you through it.
Reality
What does this money need to do before I’m paid again?
Assign every dollar you have to one of your expense categories to create a proactive plan for your spending.
stability
What larger, less frequent spending do I need to prepare for?
Non-monthly expenses like car repairs and holiday shopping are a fact of life. Break these down into manageable monthly chunks.
resilience
What can I set aside for next month’s spending?
With built-in breathing room, payday and due dates don’t matter and financial emergencies become minor inconveniences.
creation
What goals, large or small, do I want to prioritize?
Ask yourself what you really want out of life and then give your dollars jobs that will make that possible.
flexibility
What changes do I need to make, if any?
Flexibility means changing your plan when new priorities arise—without guilt, stress, or second-guessing.
how we’re different
Our answer is spendfulness
Budgeting is boring and restrictive. It’s like a diet for your dollars—and just as easy to fail. The YNAB Method changes all of that by creating alignment between how you spend your money and how you want to spend your life; that’s spendfulness. And the possibilities are endless.
Stop second-guessing your spending.
Start spending money on what really matters.
Enjoy more confidence and clarity around money.
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We sold everything we owned (for the 2nd time) and began traveling the world full time. I have learned that I value experiences more than stuff. I am now living that.
I went from a scarcity mindset to an abundance mindset. By spending within my categories, I now have the freedom to enjoy spending instead of fearing it.”
-Deanna, enjoying life with YNAB
how we’re different
Our app is awesome
We have over 53,000 reviews on the App Store and a rating of 4.8 stars. With real-time sync on web and mobile, you’ll have a big-picture perspective of your finances and priorities everywhere you go. Securely link your accounts, import transactions automatically or manually, and rest easy knowing YNAB will never sell your data.
Share your subscription with up to 5 of your favorites.
Set savings targets, track progress, and achieve goals.
Get out of debt (for good) with integrated solutions.
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 confidently with YNAB
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how we're different
Our community is incredible
The YNAB subreddit has 192,000 members—and we don’t even run it. At least 14 people have personalized YNAB license plates, and they don’t work here. YNAB has been included in wedding vows, and our Fan Fest events sell out quickly. People love us, because YNAB is life-changing.
Belong to a community that goes beyond money.
Follow funny and informative feeds on social media.
Participate in fun challenges and engaging events.
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Knowing how big of a deal YNAB is to me, Uly decided to include in his vows a promise to, ‘Always use YNAB to budget our lives,’ much to the delight of myself and our guests (most of whom, at least on my side, have heard me talk about YNAB).”
-Carsen, living happily ever after with YNAB
how we're different
Our priority is teaching
At YNAB, we strive to provide knowledge because wisdom leads to wealth and wellness. We’ve spent over 20 years teaching people how to spend, save, and live joyfully.
Get help from our super-friendly support team.
Learn from guides, podcasts, videos & blogs.
Join free, live workshops and never stop learning.
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YNAB has inspired millions to spend, save, and live joyfully.
Ready to put your money to work for you? Try YNAB for free. You have nothing to lose. (Other than debt, stress, and uncertainty.)
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