Do Money Differently
Enjoy guilt-free spending and effortless saving with a friendly, flexible method for managing your finances.
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Teaching millions to spend, save, and live joyfully since 2004
Four rules for less money stress
Gain clarity and confidence with four simple-but-life-changing rules. The magic isn’t in the math—it’s in the method.
Give Every Dollar a Job
Embrace Your True Expenses
Roll with the Punches
Age Your Money
How YNAB works
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Sign up for free
Start your journey with a 34-day trial. It’s easy—no credit card or commitment required.
Make a money plan
Add your accounts and expenses, set savings targets, and share your plan with loved ones.
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Enjoy less stress
Start feeling confident, content, and secure in your financial life. You might even sleep better.
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The average YNABer saves $600 in 2 months and $6,000 their first year
And we don’t like to play favorites or anything, but you seem well above average to us. Are you ready to be our next success story?
I took the plunge and am loving it!
It’s increased my personal financial awareness and has helped my partner and I budget for some amazing purchases.
Managing money together has been life-changing
YNAB has allowed us to experience a peace around money that I don’t think I ever thought was possible.
I stress so much less when unexpected things come up
Now we're modeling good financial choices for our kids so that they can head into adulthood with a much better understanding of managing money.