It looks like you're located in Australia.
We have an Australian version of our website.

Please confirm your location and we’ll send you to the appropriate site!

No, I'm not in Australia

Where does all my money go?

Worried about money because despite making plenty, you feel like you have nothing to show for it? You're not alone.

It’s easy! No credit card required.

It’s easy! No credit card required.

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!). Now imagine never worrying about money again because you're good with money. YNAB can help make it happen.

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.

See How They Did It

Where’s your pain point?

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 Guide

Help! I don’t have time to learn about YNAB!

Surely you’ve got five minutes! Hannah will help you set up YNAB on your phone and tell you what you need to know to get started.

Help! 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 Plan

Get good with money