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Personal home budget software built with Four Simple Rules to help you quickly gain control of your money, get out of debt, and reach your financial goals!

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Social recommendations and mentions

We have tracked the following product recommendations or mentions on various public social media platforms and blogs. They can help you see what people think about YouNeedABudget and what they use it for.
  • Is $250 a month in disposable income livable for a family of 3?
    You'll be going into a tight budget time, so get a really good system in place. If you don't have that you love already, I recommend YNAB ( It's envelope based and is really good for planning ahead for irregular expenses and for "rolling with the punches" if something comes up. It works differently than traditional monthly budget, so take time to use all the resources to learn the system. ... Source: 11 months ago
  • LPT Request: What is your favorite life hack that has saved you money, time, or made your day-to-day activities easier?
    I also said in a comment below, I use YNAB to track my financial life. This strategy only works if you have enough confidence in your finances to know that if I gave you a card with 100k credit limit, you would never spend more on it than what you have in your bank and has been budgeted for. If not, I cannot overstate how important it is to get your budget in order beforehand. There’s zero money saved if you pay... Source: 12 months ago
  • Fund future vacations
    If you aren’t already giving every dollar you make a job, earning more money will only get you so far. Check out YNAB, read all the free content about learning to plan and budget. Source: about 1 year ago
  • Tracking savings goals
    Track it by hand or in software. I started out with just a spreadsheet, but since then moved my whole budget to YNAB (, where you track all your individual savings goals as well as how your money will be used to cover regular (and irregular) expenses. Now the whole plan is in one place, and covers everything from how much is set aside for gardening supplies for this summer to the big... Source: about 1 year ago
  • My grandfather passed away and left me 25k. I have next to no savings and I owe money on a couple credit cards and a car. Almost 40, how do I maximize this?
    Aside from all the other advice, get a subscription to YNAB ( and start using it religiously. It will help prevent any backsliding and will put you in a much better financial situation going forward. Source: about 1 year ago
  • YNAB changed their URL?
    Am I the only one that's still working on the old domain? Is this a slow rollout? Source: about 1 year ago
  • YNAB changed their URL?
    Anyone who does not want to be victim of phishing, identity theft, etc. Yes, I am also pretty sure that used to redirect to Source: about 1 year ago
  • YNAB changed their URL?
    Looks like YNAB changed or redirected their URL from to simply Source: about 1 year ago
  • Budgeting App should get you started. It has an annual fee but financial peace of mind I have now is worth it to me for about $100/yr. They have a 30-some day intro trial, I believe. It generally takes a couple weeks to get into the swing of it, but once you do I would argue you won't feel comfortable managing money any other way. Source: about 1 year ago
  • I received 30k and I am 30k in debt. Do I use it all for the debt?
    Sign up for immediately and start following the four rules and creating (and sticking to) a budget. Unless you do this, you'll be back in debt very soon. Use this $30,000 gift as your first step into financial security. Source: over 1 year ago
  • Does anyone know what budgeting app(s) I can use with Alliant?
    I’ve used YNAB for almost three year. Game changer for me and they have a great Reddit community. I sync my Checking, Savings and Signature Visa. Works perfectly. Source: over 1 year ago
  • Feeling quite a bit lost
    Another note, I personally don't like the 50/30/20 rule. I have always watched my budget closely, I started with my own excel tracking then several years ago switched to YNAB ( and its been really great. Once you know exactly what your spending on bills, then you can figure out what to do with the rest of that money. You are young yet so have plenty of time to figure things out, the important... Source: over 1 year ago
  • Married. 3 kids. Broke and not sure how to fix it.
    Sounds like You Need a Budget. They recognize that "budget" is a scary word, which is why they promote you do what you need to do with your money. Source: over 1 year ago
  • I'm turning 31 and I've never had a credit card. I've tried a few videos, and I still have absolutely no idea what I'm doing
    The more important part of building your credit is budgeting. I use a tool called ynab. If the annual price is too steep look up envelope budgeting. This is the most important thing you can learn to keep yourself out of credit card debt. Source: over 1 year ago
  • Debt relief with pension
    Making budgeting a new life skill (and finding an app you like enough to use) Source: over 1 year ago
  • AMEX relief program, is it worth it?
    Setup a budget if you haven't already. See and r/ynab for help. Source: over 1 year ago
  • Looking for a budgeting app that works for part-time workers
    See (YNAB) for explanations and training, or check out Nick True Mapped Out Money on YouTube. YNAB is pricey, but it's really slick. If you cannot swing it, at least learn the principals. Source: over 1 year ago
  • $7000 a month in bills how tf do I keep it up...
    Variable income,works really well with YNAB ( ) because you plan and budget only with the money you have so no guessing about future income. Source: over 1 year ago
  • LPT Request: Advice for living alone for the first time?
    You need a budget. You can make your own, or sign up for (not an advert, I use it and it transformed my personal finances). Source: over 1 year ago
  • Unsure of my options for debt
    I've been using Check out subreddit r/ynab/. Source: over 1 year ago
  • May I have some books on bettering yourself, like Atomic Habit, Psychology of Money
    And not a book but I've been using this year and paid off $2,300 in credit debt. It's $14.99 a month but so worth it for me. Source: over 1 year ago

External sources with reviews and comparisons of YouNeedABudget

Best 9 Personal Finance Software For Windows 11, 10 Free PC, Surface Pro
Ynab stands for You Need a Budget is a personal finance cum budgeting app designed for Windows users. The software is designed to work with Windows’ latest computer system i.e. Windows 11. It comes with basic money management features and also supports cross-platform i.e. Mac and mobile operating systems- Android and iOS.
Best personal finance software of 2024
YNAB's primary mission, as you might expect, is to help you curb overspending and avoid living from paycheck to paycheck. Stick to the program, temper your spending appropriately, and eventually YNAB will see you spending last month's money rather than that which you've just earned.
11 Best Quicken Alternatives in 2021 (#1 is Free)
One of YNAB’s core principles is to give every dollar a job. You do that by deciding how you’ll spend every dollar that enters your checking account. As with other tools, you can connect your bank accounts and credit cards to YNAB. This allows for real-time updates so that you can track your spending throughout the month.
The Best Personal Finance Budget Software with Apps (In 2020)
YNAB believes that in order to successfully budget, you need to be hands-on with your money. Until the version released in December 2015, users had to manually enter all transactions–although the program and its companion apps for iPhone, iPad, and Android devices made this very easy. This also means that YNAB is one of the few programs that easily allows users to track cash spending.
Top 15 Budget Apps to Make Your Personal Finance Goals Easy
I love YNAB and Personal Capital. I still use the old version of YNAB as I paid a one time fee for it (as I refuse to pay for subscriptions – yes, I’m cheap). As for Personal Capital, it’s a nice way to view only our investment and retirement accounts, and I love how it tracks contributions and fees.
10 Alternatives – Money Apps Fresher than Mint dot com
Our Favorites ServiceWhy We Like Them🏆 Personal Capital[Editor's Pick]Personal Capital is our Editor's Pick as the best Mint alternative because they do the best job capturing your finances holistically. It has the best suite of investment tools available plus a robust budgeting system too. And it's free.Try Personal CapitalYou Need a BudgetHands down the best budget transition software available – it's more than...

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