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Four Rules That’ll Change Your Life

Cliché and over-dramatic? Normally, we might agree with you, but this is the kind of feedback we hear from our customers every day.

YNAB is Different from Anything You’ve Tried Before.

Ready to break up with your spreadsheet? Tired of tracking your money in an app but not seeing any results?

Learn our proven YNAB method to get a proactive, flexible, and empowering system to manage your money. Oh, and you’ll start moving the needle on your financial goals too.

How We're Different

YNAB’s Four Rules are our method and secret sauce. It requires you to be forward-looking and intentional about every dollar; it requires you to be aware, but in return you’ll be in total control of your finances, and in so doing, your life.

YNAB vs. Other Budgeting Apps

Sure, you’ve got pie charts showing that you spent an obscene amount of money in restaurants—but you’ve still spent an obscene amount of money in restaurants. This is why you’ve never heard anyone say that Mint changed their lives.

With YNAB, we’re focused on what is in front of you, what you still have the ability to influence. Before you spend a single dollar, we’ll help you think through your priorities—immediate, short-term, and long-term—and allocate your money accordingly. Better yet, we will teach you how to use your budget to make spending decisions and how easy it is to adjust your budget throughout the month, because life.

YNAB is forward looking. You’ll know where your money is and what it should be doing. Decisions get simpler and easier.

YNAB vs. “Set It and Forget It” Personal Finance Apps

There is a very good chance that, if you are reading this, you feel like you don’t have a handle on your finances, you are stressed about money, or need help digging out of debt. There are a whole slew of apps built on the premise of doing everything for you—and at first glance, this may seem appealing.

But if the main selling point is that “you won’t ever have to think about it” or “you won’t even realize you’re saving,” nothing about your finances is really going to change.

You don’t need a robot to tell you what to do with your money. You don’t want to be so hopeless with money you have to hide it from yourself in order to save. You want to feel in control. You want to learn how to make better decisions. You want to decide what is important to you and make sure you have money for those things.

YNAB helps you face your finances with eyes wide open. Even if you don’t like what you see, you’ll know your next step. And then your next one. You’ll never look back.

YNAB vs. Your Spreadsheet

You should know we’re big fans of spreadsheets over here. And we are sure yours is particularly amazing. That’s great—and if you’re where you want to be financially, we wish you two a long happy life together!

But if you aren’t using your spreadsheet to make spending decisions because it isn’t always up-to-date or you and your partner aren’t always on the same page because only one of you can access the spreadsheet, YNAB might be worth a look-see. After all, we started as a spreadsheet…and then spent hundreds of thousands of hours making it work better to manage your finances so you didn’t have to.

YNAB lets you operate with current information and makes it easier to budget with a partner. Anyone with a phone has access to the info, all the time—no excuses.

Don’t Take Our Word for It!

Changed lives speak for themselves.

  • I can’t imagine life without YNAB!

    It clicked almost exactly when we started using it! We had previously been using a spreadsheet but never quite figured it out and were living beyond our means. The concept of thinking forward and assigning every dollar a job and even setting specific categories for future purchases was a game changer for us!”

    —Sarah YNABer since 2015
  • I stopped feeling guilty about spending money

    YNAB is better than other budgeting apps because it forces me to plan only with the money I have right now. As soon as it really hit home that I should only budget with the real money I have, things started to get better and better. ”

    —Claire YNABer since 2016
  • YNAB has been transformative!

    Since I’ve been using YNAB, I’ve realized that all of my other budgeting endeavors were budgeting in Reverse. It was just plugging in numbers without the fluidity that makes YNAB so amazing.”

    —Holly YNABer since 2015

See What the Fuss is All About

Ready to have a grip on your finances and a simple tool to make daily decisions? Try YNAB for free! What do you have to lose? Except all that debt and stress?