Welcome Smarts n’ Cents Fans!
Make this the year to gain control of your finances, stop living paycheck to paycheck, get out of debt, and save more money.
Money Doesn’t Have To Be Messy
Stop wondering where all your hard-earned dollars go. The YNAB Method for money management will help you grow your savings, and you’ll love how you spend your money.
Rule One: Give Every Dollar a Job
What do you want your money to do before you get paid again? Give each dollar a job to see your plan clearly.
Rule Two: Embrace Your True Expenses
Non-monthly expenses like car repairs and holiday shopping are a fact of life. Break these budget busters down into smaller monthly chunks.
Rule Three: Roll With the Punches
Budgets that don’t bend will break. Be flexible. When life changes, change your budget with it! No guilt necessary—it’s your money.
Rule Four: Age Your Money
Wouldn’t it be great if you could use last month’s pay for this month’s bills? You’d always be ahead. Trust us, it’ll feel real nice.
How YNAB Works
Simplify your spending decisions without sacrificing the finer things in life, like fancy coffee drinks with hard-to-pronounce names.
Sign Up for Free
Start your journey with a 34-day trial. It’s easy—no credit card or commitment required.
Build Your Budget
Add your accounts and expenses, set savings targets, and share your budget with loved ones.
Start feeling confident, content, and secure in your financial life. You might even sleep better.
The Average User Saves $600 in 2 Months and $6000 Their First Year
And we don’t like to play favorites or anything, but you seem well above average to us. Are you ready to be our next success story?
What Will You Accomplish with YNAB?
I want to pay off debt.Perhaps Past You had a few financial emergencies, pursued higher education, or paid a steep price to get an education from the School of Hard Knocks, but Future You would love for all of that to become a distant memory. Get inspired to demolish debt and find financial freedom.
I want to stop arguing about money.Get on the same financial page once and for all by committing to shared goals and making a plan to get there with your partner. Eliminate conflict, improve communication, and stop hiding those shopping bags from Target by creating a budget that you can both live with happily ever after.
I want to feel organized about my finances.Quit doing mental math at the cash register and let go of the anxiety you feel every time you open your bank’s mobile app. Face your finances head on and order that avocado toast with confidence because you’ll finally know what you make, what you spend, and what you want to do with your money.
I want to be less stressed about money.There’s nothing insufficient about you or your funds. Spending and saving can get complicated—it’s the perfect storm of math and emotions. Commit to making (and keeping) change by learning tips, tricks, and tools to help you gain total control of your finances and enjoy less money stress.
I want to save more money.You work hard for your money and you know saving is essential for peace of mind and financial health. But where does your money go? Save your sleuthing for something cooler than solving money mysteries by learning how to show your money who’s boss and finding new ways to save.
I want to have money left over at the end of the month.Tired of having too much month left at the end of the money? Juggling due dates, grace periods, and paychecks is confusing, exhausting, and makes it all too easy to drop the ball. Step away from the circus act and put yourself in the position of having a pile of money waiting to pay your bills instead.
I want to feel financially stable even with inconsistent income.Inconsistent income has a way of keeping you in a feast-or-famine money mindset, even when things are going well. Trade the anxiety that comes with the peaks and valleys of that variable income rollercoaster for a smoother, more predictable pleasure cruise.