It looks like you're located in Australia.
We have an Australian version of our website.

Please confirm your location and we’ll send you to the appropriate site!

No, I'm not in Australia

A tool to battle inflation

YNAB can help you tackle rising costs and stretch your money further.

What if you could save more, stress less, and control the chaos?

Everything is expensive. Your hard-earned money doesn’t go as far as it used to. Paychecks come in, and the money drains out so quickly. But YNAB can help.

Who says you shouldn’t talk about money?

Not us. In fact, we believe the way the world thinks about money is, well, kind of broken. Financial advice is often predatory or patronizing, and talking about money is considered taboo in some circles. But our money is our life—it’s a reflection of our priorities and values, our wants and our needs, our work and our play. It shouldn’t be a secret! With intentional spending, you’ll start to feel good about where your money goes... and where it takes you.

Control your costs, build savings, and enjoy your life.

You can’t control the prices, but you can control your outflows by giving yourself a big-picture view of your expenses. By building your savings, you’ll have fewer financial “surprises,” and the flexibility to roll with the punches when your gas bill is more expensive.

All while spending on what matters to you—you can still take that vacation, always have enough for date night, and order the side of guac.

Here’s how it works

1. Make your spending plan

List out your current bills, expenses, and financial goals.

2. Prioritize Your Money

Divvy up your dollars to categories that work like virtual envelopes.

3. Follow Your Plan

Let YNAB be your guide, change it as needed, and watch your cash balance grow.

On average, new YNABers save $600 their first two months, and more than $6,000 their first year.

Take it from these stress-free YNABers

From Paycheck to Paycheck to Near Perfect Credit

Angela Stevens and her family of six were living paycheck to paycheck. Then one day, it all started to change.

If Managing Money Seems Hard, You’re in Good Company

Struggling to save? Read the story of Michole, a grad student at the University of Michigan who had never learned how to manage money well.

How I Got a Handle on My Finances

Andrew Abela has an MBA, a PhD, and managed a multi-million dollar budget at work, but his personal finances were stressful.

Try a free money-saving challenge

Ready to jump start your financial health with a no-spend challenge? Follow three simple rules for 30 days. Download the free workbook by signing up at the link below and start saving!

Try a free money-saving challenge

Ready to jump start your financial health with a no-spend challenge? Follow three simple rules for 30 days. Download the free workbook by signing up at the link below and start saving!

Join the More Money Challenge

No items found.

An image of the monthly category list screen in YNAB mobile app

You've never felt more in control of your finances

Get started with YNAB for free—no credit card required. Get in the driver’s seat of your financial life.

A friend

sent you a free month of YNAB!

A tool to battle inflation

What if you could save more, stress less, and control the chaos?

“With YNAB, I spent a year in South Africa getting certified as a safari guide.”

“With YNAB, I got Maui’d.”

“With YNAB, I had a fully-funded fairytale wedding.”

Who says you shouldn’t talk about money?

Control your costs, build savings, and enjoy your life.

Here’s how it works

1. Make your spending plan

2. Prioritize Your Money

3. Follow Your Plan

On average, new YNABers save $600 their first two months, and more than $6,000 their first year.

Take it from these stress-free YNABers

From Paycheck to Paycheck to Near Perfect Credit

If Managing Money Seems Hard, You’re in Good Company

How I Got a Handle on My Finances

Try a free money-saving challenge

Try a free money-saving challenge

You've never felt more in control of your finances