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Spend less while living more

Enjoy guilt-free spending and effortless saving.

It’s easy! No credit card required.
Smiling woman with long hair giving a piggyback ride to a bearded man in a white shirt by the water.
It’s easy! No credit card required.

Ready to stop being bad with money?

Just when you think your bank account should be a plump little purse, your balance seems to have stalled out—or worse—it’s acquired a leak.

Watch your savings climb higher and higher by adding more intentionality to your spending. YNAB helps you get good with money so you can spend without guilt, shame, or second-guessing and never worry about money again.

We’re here to help

Want to write a new money story? We won’t shame you, guilt you, or force you to eat ramen. We're just going to help you get good with money. Here’s how it works.

1. Start your trial

Try YNAB for free. Poke around a bit. Decide if this is the tool for you! (Spoiler alert: It is.) 

2. Make a plan

We’ll help you set up YNAB so you can start spending less and saving more.

3. Build your savings

Watch as your savings balance climbs sky-high without feeling like your spending is restricted.

From paycheck to paycheck to saving three months of expenses

I'm no longer worried that an unexpected car repair is going to be more than I can handle.

Plump up your piggy bank

In spite of Carsen’s best efforts, he never seemed to make progress. “I was getting by ok, I couldn’t get ahead. My bank account would hit triple or sometimes double digits before my next paycheck came in. I always felt poor.” And then one day, everything started changing for the better.

Where do you struggle to save?

Help! I need to save money fast!

If you want to rein in your spending and save money fast, we’ve got ten ideas to help you get rolling.

Get Spending Under Control

Help! My spending is out of control!

A lot of people struggle to stop spending money. Learn these three steps to get your spending under control.

Curb a Spending Problem

Help! I can’t seem to save money!

To save more, you have to change your behavior. See four reasons you’re not saving money and what to do about them.

Simple Ways to Save

Get good with money

Practical tools for saving money

Read the Full Guide

This comprehensive look will take you through how to save more money in a step-by-step, easy to follow format.

Take a Free Class

Our always-friendly teachers will show you the step-by-step mechanics of reaching your savings goals with YNAB.

How to Stay on Track

Feel like a budget is restrictive or feel guilty spending? Here’s how to spend without regret.

The Secret to Saving

This little-known tip about emergency funds might be the secret sauce to making those account balances climb.

See real examples of people reaching their savings goal

From $500 in the Bank to Retiring Early

Find out how Tom, an IT business analyst from Kenton, Michigan, realized that it was cheaper to quit his job than to continue working.

The Best Way to Pay for Home Improvements

The Fisher family started YNAB, paid off their car loan, demolished their debt, and discovered the best way to pay for home improvements.

How I Got a Handle on My Finances

Andrew Abela has an MBA, a PhD, and managed a multi-million dollar budget at work, but his personal finances were stressful.