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?
Find Clarity When Spending is a Black Hole
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 knowing exactly where you stand? We can help. Here’s how it works.
1. Try YNAB for Free
Sign up for a free 34-day trial. Poke around a bit. Decide if you like us.
2. Build Your Budget
We’ll help you set up a budget so you can quickly build up a buffer and track your progress.
3. Get Financial Clarity
Stop wondering where your money all goes, and start proactively planning for the things you want.
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 their budget and everything changed.
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.
Help! I don’t have time to learn how to budget!Surely you’ve got five minutes! Or a lunch break? We can work with your limited time table: here are the essentials you need to know.
Help! I’ve never budgeted before.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.
Practical Tools For Gaining Financial Clarity
Read the Full Guide
This comprehensive guide look will show you how to gain that financial clarity you crave.Read More
Our teachers will show you the step-by-step mechanics of setting up your spending plan.Talk to the Experts
Learn the Method
Dive right into this video course to learn the four simple rules to mastering your money.Watch Video Course
The Secret to Budgeting
Learn about zero-based budgeting, a powerful system that will change how you spend and save money.Watch Now
See Real Budgets of People Who Gained Financial Clarity
I’m 24, Live with a Roommate, and I Make $62K/yearKay would struggle to understand where her money went after she got paid, especially because her friends saw her as the “financially responsible” one. See how she keeps everything organized now.
I’m 41, Make $159K a Year, and My Partner and I Live in DCTony realized his credit card bills kept going up: but he wasn’t living extravagantly and felt like he made plenty of money! After an eye-opening moment of tracking his spending, now he has expenses firmly under control.
I’m a Physician, My Husband Stays Home With Our 3 Kids, and We Make $215K/YearDoc & Superdad have a much higher household income than they used to: but they also have a large student loan debt to manage as well. See how they’ve absolutely slayed their budget to neatly organize their entire financial life.
7 Tips for Starting Your First Budget
It can feel overwhelming when you first sit down to budget—I’ve been there! Here are seven handy tips to keep you from going too crazy. You’ve got this!Watch Video Located in: YouTube / Video
Watch: This Couple Paid Off $266K of Debt in 33 Months
Who: Lauren and Kyle Mochizuki Where: San Juan Capistrano, California Total Debt: $266,000 Type of Debt: Credit card: $2,000 Car loans: $34,000 Mortgage: $230,000 Time to payoff: 2.75 years How they did it: Picked up work shifts Got a second job Made a chart with all their debt and celebrated every win Budgeted in YNAB …Read Blog Located in: Learn to Budget / Blog
Do I Need a Budget if I'm Cheap?
I work in YNAB customer support and this was one of my favorite recent questions: Hello, I am a miser and I save all my money with minimum expenses. What can YNAB teach me? This self-proclaimed “miser” brings up a great question, and one that other fantastically frugal folks also might wonder. What good is …Read Blog Located in: Learn to Budget / Blog