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Where does all my money go?
You thought you made plenty of money, but why does it feel like you have nothing to show for it?
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Defeat the black hole of spending.
When you get your W-2 every year and look at the line that shows your gross income, it always makes you pause. It seems like a lot of money, but where does it all go?
Imagine knowing your average monthly grocery spending down to the cent, and having all the data you need to make informed financial decisions. You can finally hone in to buy that dream house, pay off that last debt, max out your retirement savings (or do all three!).
We’re here to help
Want more financial clarity and to know exactly where you stand? We can help. Here’s how it works.
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1. Try YNAB for free
Sign up for a free 34-day trial. Poke around a bit. Decide if you like us.
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2. Make a plan
We’ll help you set up YNAB so you can quickly build up a buffer and track your progress.
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3. Get financial clarity
Stop wondering where your money goes, and start proactively planning for the things you want.
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Know your priorities
When you decide what’s important to you and commit to it realistically, you might just wake up one day and notice you’ve saved $30,000 without even realizing it.
Optimize your earning power
Jacob thought home ownership would never happen. He and his partner make good money, but it never seemed to accumulate into a pile big enough for a down payment. A year ago, they had nothing saved, and then they implemented a simple three-step plan in YNAB and everything changed.
Where’s your pain point?
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Help! My money feels like a confusing tangle.
The overarching goal of your financial life is to simplify, simplify, simplify. Here’s how to slim and trim the mental overhead of your money.
Read Our Simplify GuideHelp! I’ve never tried to organize my finances.
When you have a handful of credit cards, a car loan, and a tangle of student loans all with varying balances and interest rates, it can be tough to know where to start.
See an Ideal Money PlanPractical tools for gaining financial clarity
Read the Full Guide
This comprehensive guide look will show you how to gain that financial clarity you crave.
Take a Free Class
Our teachers will show you the step-by-step mechanics of setting up your spending plan.
Learn to Live Spendfully
YNAB is more than an app. Watch this video to learn how to practice the YNAB Method.
The Secret to Money Bliss
Learn about zero-based planning, a powerful system that will change how you spend and save money.
See real examples of people who gained financial clarity
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I’m 24, Live with a Roommate, and I Make $62K/year
YNAB Money Snapshots: See the income and expenses of a 24-year-old analyst making $62,000 per year and paying off student loans.
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I’m 41, Make $159K a Year, and My Partner and I Live in DC
YNAB Money Snapshots: See the income and expenses of a software consultant living with his partner in D.C. and making $159,000 a year.
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I’m a Doctor, He’s a Stay at Home Dad, We Make $215K
YNAB Money Snapshots: See the income and expenses of a family of five living in Philadelphia with a yearly income of $215,000 per year.
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Love how you spend your money
Start spending and saving with confidence and clarity.
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