Rule Three: Roll With The Punches | When life changes, so must your budget. By budgeting monthly for insurance premiums, holidays, or car repairs, when the time comes, your money is ready and waiting to do its job. Break up larger, less frequent expenses into smaller, more manageable amounts. Rule Two: Embrace Your True Expenses | More than just an expense tracker, YNAB can help you prepare for the future. By tracking your expenses you will make better decisions. Rule One: Give Every Dollar A Job | Be intentional about what you want your money to do before you spend it. Using YNAB, hundreds of thousands of people have learned how to get control of their finances, stop stressing, and live the life they want to live. The powerful combination of award-winning budget apps and our life-changing budgeting method means it actually works.

YNAB is unlike any personal finance app, expense tracker, or money management system you’ve tried before, because it is based on our proven method- YNAB’s Four Rules. Our friendly support team is available around the clock via email, live chat, and offer 100+ free, live budgeting workshops every week. Set goals and immediately see when you'll be able to reach them.ĭetailed, visual spending and trend reports help you measure progress and improve.

Real-time access to all your budget data across multiple devices means you can budget with a partner and always have the info you need to make good spending decisions. Prefer to enter transactions yourself? You can! YNAB will match up imported transactions with those you enter yourself so your account balances are always accurate. Try it free for 34 days.Įasily connect all your accounts in one place and import your transactions, so you always have up-to-date information. On average, new users save $600 in the first two months, and more than $6,000 in the first year. YNAB will help you break the paycheck to paycheck cycle, get out of debt, and save more money.

Free ynab budgeting