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Live below your means, invest the rest

Get an organized look at your finances and habits.

Are you coming out ahead?

With YNAB, you’ll be able to ensure your expenses aren’t exceeding your income with our digital envelope system and four-rule method.

Forget everything you think you know about money and get ready for total control.

“With YNAB, I spent a year in South Africa getting certified as a safari guide.”

Janna, a dedicated YNABer, didn't just tweak her daily routine; she rewrote her entire story from Amsterdam city slicker to South African safari guide. Her journey is an example of how intentional spending can be the compass that guides you to your true north.

“With YNAB, I got Maui’d.”

When YNABers Brian and Leann decided to celebrate their union with a dream wedding in Hawaii, they knew things were getting pretty serious—and it was going to take some serious saving to enjoy a stress-free start to their new future. So to honor their commitment to one another, they decided to re-commit to YNAB... and the end result was a debt-free $30,000 dream-come-true experience and a happily ever after that started with working together to achieve their goals.

“With YNAB, I had a fully-funded fairytale wedding.”

As a devoted YNAB user and hopeless romantic, Carsen started saving for his dream wedding before he had a partner. When he met Ulysses, he knew he had finally found his happily ever after. Together they funded an extravagant fairytale wedding complete with a castle, costumes, and a vow to always use YNAB (yes, really.)

Who says you shouldn’t talk about money?

Not us. In fact, we believe the way the world thinks about money is, well, kind of broken. Financial advice is often predatory or patronizing, and talking about money is considered taboo in some circles. But our money is our life—it’s a reflection of our priorities and values, our wants and our needs, our work and our play. It shouldn’t be a secret! With intentional spending, you’ll start to feel good about where your money goes... and where it takes you.

A tool that finally worked

Daniel and his wife had tried every money management system under the sun. But nothing seemed to stick.

“I wanted to see my income and spending updated in real-time. I also wanted to set funds aside for lumpy expenses and surprises. This is the view we needed to make trade-offs, set goals, and prioritize.”

He finally found what he was looking for with YNAB—the method and app that finally worked.

Large decorative opening quotation marks

Optimize your income

In the past two years, our household savings rate as a percent of gross income has grown from 6% to 27%. We max out our 401(k)s and save even more on top.

A tool that finally worked

Daniel and his wife had tried every money management system under the sun. But nothing seemed to stick.

“I wanted to see my income and spending updated in real-time. I also wanted to set funds aside for lumpy expenses and surprises. This is the view we needed to make trade-offs, set goals, and prioritize.”

He finally found what he was looking for with YNAB—the method and app that finally worked.

Large decorative opening quotation marks

Optimize your income

In the past two years, our household savings rate as a percent of gross income has grown from 6% to 27%. We max out our 401(k)s and save even more on top.

Make your money work harder

How to Stress Less About Money: 4 Simple Rules

For those who have tried organizing your finances and failed, it's not you: it's your method. Learn how to stress less with YNAB's 4 Rules.

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YNAB Tips: Habits of Successful YNABers

It really only takes three habits and an hour a month to manage your money. Learn the best YNAB tips and get organized!

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8 Ways Rich People Think Differently

Ever wondered how rich people think differently? See the key factors in how they built their wealth and start putting them into practice.

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