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'''You Need a Budget (YNAB)''' (pronounced ''Y-nab'') is a multi-platform [[personal budget]]ing program based on the [[Envelope system|envelope method]]. In 2013 it was the most popular personal finance software among [[Lifehacker]] readers.<ref>{{cite web|title=Most Popular Personal Finance Software: YNAB|url=http://lifehacker.com/5829256/most-popular-personal-finance-software-ynab|work=Lifehacker|publisher=Gawker Media|accessdate=27 December 2013}}</ref> |
'''You Need a Budget (YNAB)''' (pronounced ''Y-nab'') is a multi-platform [[personal budget]]ing program based on the [[Envelope system|envelope method]]. In 2013 it was the most popular personal finance software among [[Lifehacker]] readers.<ref>{{cite web|title=Most Popular Personal Finance Software: YNAB|url=http://lifehacker.com/5829256/most-popular-personal-finance-software-ynab|work=Lifehacker|publisher=Gawker Media|accessdate=27 December 2013}}</ref> |
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==Strategy== |
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YNAB encourages users to follow a four-rule philosophy about money:<ref name="badcredit">{{cite web|last1=Keys|first1=Lauren|title=Based on 4 Simple Rules, YNAB™ Software Helps You Take Control of Your Finances|url=http://www.badcredit.org/you-need-a-budget-software-helps-control-finances/|website=BadCredit.org|accessdate=20 August 2017|date=15 June 2016}}</ref> |
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*'''Give every dollar a job''': Money should be explicitly allocated to specific things, though these allocations can be changed as necessary. |
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*'''Embrace your true expenses''': Large, infrequent expenses should be recalculated as monthly expenses. |
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*'''Roll with the punches''': Budgets must remain flexible because unpredictable events happen in life. If overspending occurs in one area, underspend elsewhere over time to compensate. |
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*'''Age your money''': Pay for this month's expenses with last month's income in order to get ahead on bills and reduce stress. |
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==Versions== |
==Versions== |
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Revision as of 18:36, 20 August 2017
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| File:You Need A Budget screenshot.jpg You Need A Budget (YNAB) 4 "Spending" page | |
| Developer(s) | Jesse Mecham |
|---|---|
| Initial release | 2004 |
| Operating system | Windows, OS X |
| Type | Personal finance |
| License | Trialware |
| Website | www |
You Need a Budget (YNAB) (pronounced Y-nab) is a multi-platform personal budgeting program based on the envelope method. In 2013 it was the most popular personal finance software among Lifehacker readers.[1]
Strategy
YNAB encourages users to follow a four-rule philosophy about money:[2]
- Give every dollar a job: Money should be explicitly allocated to specific things, though these allocations can be changed as necessary.
- Embrace your true expenses: Large, infrequent expenses should be recalculated as monthly expenses.
- Roll with the punches: Budgets must remain flexible because unpredictable events happen in life. If overspending occurs in one area, underspend elsewhere over time to compensate.
- Age your money: Pay for this month's expenses with last month's income in order to get ahead on bills and reduce stress.
Versions
The latest version, dubbed "The New YNAB," was launched December 30, 2015[3] as a web-based application, with companion apps for iPhone, iPad, and Android devices.
The previous version, YNAB 4, is available for OS X and Windows[4] and was released in June 2012. YNAB 4 will be maintained through 2016, and the company promises to continue to support YNAB 4 users indefinitely.
YNAB 3 (released December 2009) ran on multiple platforms using the Adobe AIR runtime,[5] and previous versions included a Microsoft Excel/OpenOffice.org Calc spreadsheet implementation (dubbed YNAB Basic and discontinued in July 2009) and a Windows-only executable under the name YNAB Pro (discontinued in December 2009).
YNAB for iPhone was released in 2010 and runs on the iPhone, iPod touch, and iPad. It is not a standalone budgeting application but is instead designed to complement the YNAB for Desktop application. A version tailored for iPad and including budgeting support was released in 2014.[6] YNAB for Android was released in September 2011.[citation needed]
References
- ^ "Most Popular Personal Finance Software: YNAB". Lifehacker. Gawker Media. Retrieved 27 December 2013.
- ^ Keys, Lauren (15 June 2016). "Based on 4 Simple Rules, YNAB™ Software Helps You Take Control of Your Finances". BadCredit.org. Retrieved 20 August 2017.
- ^ "The New YNAB is Here". You Need A Budget website. You Need A Budget. Retrieved 2 January 2016.
- ^ "Download page". You Need A Budget website. You Need A Budget. Retrieved 27 December 2013.
- ^ "You Need A Budget for Mac". Macworld. IDG Consumer & SMB. Retrieved 27 December 2013.
- ^ "YNAB for iPad is here".