The support forum on their website is fantastic. Lots of people willing to help and they provide quality responses.

Bottom line: If you’re most concerned with keeping track of your financial history, as Quicken is, then you’d be better served by Quicken or a similar product. YNAB is not that product. However, if for some reason you’re not happy with YNAB there is a 60 day money-back guarantee. ALSO, you will get any future software updates for free. The philosophies coincide so well I really think he needs to see this and endorse it. I just wish I could get a reward for concerting people to YNAB–I am forever singing its praises to my friends, many of whom have bought it! I’ve made YNAB Pro a partner in my efforts to become debt free and financially independent. While I have a way to go yet, I just cannot express in words the sense of freedom and the level of stress reduction I have come to enjoy in my life in the six short months I have been using the software. It would definitely benefit from some more efficient programming (e.g. I think a well written C++ implementation would be way faster and more efficient). This might sound a little illogical, but it makes it a lot easier to recover psychologically from months where you couldn’t stay on your budget. Interestingly, this is the only rule that the software enforces, but if you are keen on having a negative balance, you can actually override this yourself by budgeting the shortfall as a negative amount for the following month. Because of YNAB, I absolutely know that there’s always money enough for anything that’s going to come along. YNAB has helped me exercise some discipline and do so without significant data entry or long, tortured sessions at the computer.

I have recommended it to friends, family and co-workers and only wish I could give it more than 5 stars. Give it a try, you will not be disappointed. It cannot prevent your husband from haphazardly using his Visa card, but it can show your husband the negative effect using his card has on your vacation fund. YNAB will not pay your bills for you, but it will give you the proper tools to aid in your quest to stop living paycheck to paycheck.

This is a great rule because it is much easier to budget when you can see how much you’re spending on something. I was amazed to find out I was spending up to $500 a month on dining out for myself alone! Fans of Dave Ramsey may want to replace Baby Step Number One with YNAB’s Rule One. I personally think it makes more sense to have an „emergency fund“ of one month’s expenses rather than a nice round number of $1000.

The success of YNAB is in its approach (the 4 rules, which are key to its success) and the customer service (which is pretty much unrivaled in my experience). And there’s a pretty fabulous forum community as well (shout out to all my fellow YNAB users).

You are actually getting an entire philosophy of how to manage a budget. And that is the Magic of YNAB.

The instruction manual answered any questions I had after setting up my budget. CAR REPAIR ESTIMATE CALCULATOR.