Overall this is a solid cloud-based software solution that should help you get on top of your finances. You Need a Budget (opens in new tab) continues to improve with each successive release. All in all then we’d like to see this beefed up in future iterations. While email support is okay, it’s not quite the same, although another alternative is to consult the forums.Īgain though you're not always guaranteed the information you get is going to be 100% reliable. There is a step-by-step guide and FAQs, which should answer many of your queries, but it would always be a bonus to be able to contact a real person for those more unusual requests. There’s no phone support, which considering this is a paid-for service leaves You Need a Budget sorely lacking. This is even more of a point when you consider the ongoing subscription charge for using the service. The area of support has to currently be one of You Need a Budget’s weakest areas and could do with some improvement. YNAB for Android was released in September 2011.The lack of real people support is something of a negative however (Image credit: You Need a Budget) Support A version tailored for iPad and including budgeting support was released in 2014. It is not a standalone budgeting application but is instead designed to complement the YNAB for Desktop application. YNAB for iPhone was released in 2010 and runs on the iPhone, iPod touch, and iPad. YNAB 3 (released December 2009) ran on multiple platforms using the Adobe AIR runtime, and previous versions included a Microsoft Excel/ 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). Version 4 was maintained through 2016, and the company ended support for Version 4 in October 2019. Storing the budget file in Dropbox allowed synchronization between the desktop and mobile applications. Version 4 was a desktop-based application available for Windows and Mac OS, with apps for iPhone and Android devices. The previous version, YNAB4, was released in June 2012. The software is updated multiple times a month to add new features, tweak existing ones, and improve security and back-end functioning. The latest version, dubbed "The New YNAB" or "nYNAB", was launched Decem as a web-based application, with apps for iPhone, iPad, and Android devices. Students who verify their status by providing a school document receive their first year free. After the 34-day free trial ends, users pay $98.99 per year, or $14.99 per month. The platform also has several open-source add-ons that can expand on YNAB's features. The software also displays financial reports to keep users informed about their finances at a glance. Users can either import transactions automatically from their financial institutions or input them manually. Over time, users are encouraged to "age their money", accumulating savings and watching their money grow. When overspending occurs, the app encourages users to move money between categories to "roll with the punches" if more funds than allocated are spent in a category. It encourages users to be flexible in their spending. The app encourages users to consider recurring expenses every month to prevent spending "surprises" and break the paycheck-to-paycheck cycle. Each dollar is allocated to a specific purpose, such as annual car insurance payment, long-term housing repair fund, college savings, etc. The general theory of YNAB is to "give every dollar a job". YNAB is a personal budgeting software platform that can be used across desktop computers, the iPhone and Android operating systems, iPads, Apple Watches, and the Amazon Echo system. It is also listed by Wirecutter for 2021 as a "great pick for hard-core budgeters". In 2013 it was the most popular personal finance software among Lifehacker readers. You Need a Budget (YNAB) (pronounced / ˈ w aɪ n æ b/) is an American multi-platform personal budgeting program based on the envelope method. ( November 2021) ( Learn how and when to remove this template message) Please help improve it by removing promotional language and inappropriate external links, and by adding encyclopedic text written from a neutral point of view. This article contains text that is written in a promotional tone.
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