Simple Program Changed My Life Totally changed the way I relate to my money and my budget. Made me aware of my weak points to focus on, and helped enable better future planning. As someone with an average pay in a VHCOL area, this software has truly changed my life!

The last budgeting app you’ll need YNAB has completely changed the way I budget! It is the most transparent and effective method to budget in my opinion. I know exactly how much money I spend in any given month and can predict how much I’ll spend later. YNAB has paid for itself tenfold in the peace of mind it gives me!

YNAB is a game changer YNAB has been a game changer for my personal finance. It is the ONLY budgeting app/program/process that has worked and kept me focused on my goals. Could not recommend more. The amount I have been able to save using the YNAB process has more than enough paid for the app annual fee. And the fee is accounted for on my spending plan.

I love this app I love this app, it has helped me wrap my mind around budgeting in a way that many other apps failed to do

It's not the subject matter…it's how it's taught I enjoy the playful way you teach about basic budgeting. I think it's something that many people, myself included, miss growing up. People say you are just testing basic zero dollar budgeting, but it's not what you teach it's how. For the first time in a while I feel like I can rest any goal if I plan accordingly using your methods. You often say freedom comes from restriction and it can be surprising where and how extra money comes from in a budget. I can attest to that.