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Make your money go further

Imagine a world where late fees and overdrafts disappear forever.

It’s easy! No credit card required.

Man with red hair in green shirt examines green plants outdoors.

It’s easy! No credit card required.

Ready to add more breathing room to your financial life?

There’s barely enough money to last between this payday and next. Living like this? It’s exhausting. You're always worried about money. But what if you had a pile of money waiting for bills instead of a pile of bills waiting for money? Imagine the relief.

We’ll teach you how to live on last month’s money so you never feel that razor-thin financial edge again. You can stop worrying about maxing out your credit cards, collectors will stop calling, and those once-frequent overdraft fees will vanish into thin air. YNAB will teach you how to get good with money so you never have to worry about money again.

Break the cycle for good

When Dana Kay saw that the woman in front of her at the grocery store had her card declined at the register, she immediately swept in to cover the woman’s costs. That’s when she realized how far she had come from living paycheck to paycheck. Hear how she turned it all around.

Read Her Story

What’s your money pain point?

Help! I don’t know where to start.

When no one ever taught you what the heck to do with money, it’s no wonder you’re a little lost! First things first, let’s get YNAB to light your way.

Get Started

Help! I don’t make enough money.

Are you stuck thinking that you can't manage money if you don't have enough of it? Here’s how to thrive no matter how much you have in the bank.

What to Do

Help! I don’t have time to organize my finances.

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.

Get good with money

Practical tools for getting ahead

Read the Full Guide

This guide will take you through how to break out of the paycheck to paycheck cycle forever.

Take a Free Class

Our teachers will show you how to plan no matter when you get paid next. Ask your questions and get answers in real time.

Talk to the Experts

Learn Why YNAB Works

YNAB is more than an app. Watch and learn why YNAB works and how to practice the YNAB Method.

Watch

How to Get Ahead

Learn to live on last month’s income so you have more space between when you’re paid and when you get paid again.

Watch

Read real money stories

From Missed Mortgage Payments to Vacation Funds

To those who are currently feeling desperate: the small, day-to-day decisions will start to add up and soon will feel like progress.

True Confessions: We Lost Our Home

Natalie and Larry went from living paycheck to paycheck to saving enough money to reach their dream of adopting a child.

From Paycheck to Paycheck to Near Perfect Credit

Angela Stevens and her family of six were living paycheck to paycheck. Then one day, it all started to change.

A phone with the YNAB app coming out of a squiggly shaped-portal surrounded by sparks and bubbles

Get YNAB. Get good with money.

You can get off the paycheck-to-paycheck cycle. So what do you have to lose? (Other than all that debt and stress, of course…)

Browse Features

A friend

sent you a free month of YNAB!