YNAB

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. YNAB has taught millions of people a set of habits to change their money mindset for good. As the habits become second nature, you’ll stop fighting about money, make better decisions, and sleep better at night. Features: * Built for Partners & Families: A close-knit group of up to six people can share budgets (and dreams!) at no extra cost. * Manage your Loan Payoff: Tackle debt by calculating the time and interest saved with every extra dollar paid. * Expense Tracking: View changes to your budget in real time to simplify sharing finances with a partner. * Goal Setting: Turn your dreams into categories, set spending targets, and visualize your progress as you go. * Credit Cards: You'll always know whether you can pay off your credit card balance. If not, we'll help you make a plan to get there! * Import Income & Expenses: Add transactions manually or securely link accounts to view your big financial picture in one place. * Spending & Reports: See your spending averages (down to the cent) and your growing net worth in full technicolor glory by slicing and dicing your data. * Privacy Protection: We don't (and won't) sell your data. We don't host in-app ads or pitch recommended products. It’s never been our thing. Ew. * Resources Galore: Our award-winning support team is eager to answer your questions and a wealth of free resources, including live workshops, videos, written guides, and more