You Need A Budget (YNAB)

Provider: YNAB

Verified Jan 15, 2025

Product Overview

Budgeting application built around the envelope budgeting method. Assigns every dollar a job, tracks spending as it happens, and helps users build a habit of planning for upcoming expenses and goals.

Supported Regions

United States Canada United Kingdom Australia and other regions (bank sync limited to US institutions)

Key Features & Benefits

  • Envelope budgeting
  • goal tracking
  • debt prioritization
  • spending reports
  • mobile apps (iOS and Android)
  • bank sync for US financial institutions

Fees & Charges

$84 per year (individual plan), $120 per year (family plan); subscription service with a free 34-day trial

Minimum Deposit: None (subscription-based service; payment required to continue after trial)

Eligibility & Requirements

Open to users in most countries; full bank-sync features are available primarily to US residents and US financial institutions

Note: Always verify eligibility requirements directly with the provider before applying.

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