You Need a Budget (YNAB) (pronounced /ˈwaɪnæb/) is an American multi-platform personal budgeting program based on the envelope method. In 2013 it was the most popular personal finance software among Lifehacker readers. It is also listed by Wirecutter for 2021 as a "great pick for hard-core budgeters". YNAB is a personal budgeting software platform that can be used across desktop computers, the iPhone and Android operating systems, iPads, Apple Watches, and the Amazon Echo system. The general theory of YNAB is to "give every dollar a job". Each dollar is allocated to a specific purpose, such as annual car insurance payment, long-term housing repair fund, college savings, etc. The app encourages users to consider recurring expenses every month to prevent spending "surprises" and break the paycheck-to-paycheck cycle. It encourages users to be flexible in their spending. When overspending occurs, the app encourages users to move money between categories to "roll with the punches" if more funds than allocated are spent in a category. Over time, users are encouraged to "age their money", accumulating savings and watching their money grow. More information...
According to PR-model, youneedabudget.com is ranked 346,531st in multilingual Wikipedia, in particular this website is ranked 210,533rd in English Wikipedia.
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