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YNAB logo.svg
You Need A Budget (YNAB) 4 "Spending" page
You Need A Budget (YNAB) 4 "Spending" page
Developer(s)Jesse Mecham
Initial release2004; 16 years ago (2004)
Operating systemWindows, OS X
TypePersonal finance

You Need a Budget (YNAB) (pronounced Why-nab) 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.[1]


The latest version, dubbed "The New YNAB" or "nYNAB," was launched December 30, 2015[2] as a web-based application, with apps for iPhone, iPad, and Android devices.

The previous version 4, YNAB4, was released in June 2012. Version 4 was a desktop-based application available for Windows and Mac OS, with apps for iPhone and Android devices. Storing the budget file in DropBox allowed synchronization between the desktop and mobile applications. Version 4 was maintained through 2016, and the company ended support for Version 4 in October 2019.

YNAB 3 (released December 2009) ran on multiple platforms using the Adobe AIR runtime,[3] 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.[4][5] YNAB for Android was released in September 2011.[citation needed]

See also[edit]


  1. ^ "Most Popular Personal Finance Software: YNAB". Lifehacker. Gawker Media. Retrieved 27 December 2013.
  2. ^ "The New YNAB is Here". You Need A Budget website. You Need A Budget. Retrieved 2 January 2016.
  3. ^ "You Need A Budget for Mac". Macworld. IDG Consumer & SMB. Retrieved 27 December 2013.
  4. ^ Compton, Shannah L. (2014-12-10). "4 Must Have Money Saving Apps for 2015". Huffington Post. Retrieved 2018-02-23.
  5. ^ "YNAB for iPad is here".

External links[edit]