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You Need A Budget 4
119 Comments
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jdavidson1 Oct 9, 2013 @ 9:34pm 
I was wondering, does this program sync with account information from the major US Banks, ie. Bank of America?
What does the NOOB say? Aug 29, 2013 @ 10:42am 
Gooddd~
(ง ̀_́)ง♔ Aug 16, 2013 @ 11:15pm 
Good idea
BuLLdozeRR!! Jul 15, 2013 @ 3:31am 
Awesome
Gamaray89 Jun 30, 2013 @ 11:36pm 
this is on steam?
s0uled0ut Jun 27, 2013 @ 9:00pm 
I use this everrryday; w/ the mobile app that is tied to the software, it is near impossible to have your money/account unbalanced. After buying something, punch the amount on your phone, save and sync to the cloud; takes about 5 seconds. Can't reccomend it enough if you like keeping your money right and staying true to a budget.
Epik Bob Mar 27, 2013 @ 6:42pm 
And this is on Steam.....:S
Clan Wolf Mar 24, 2013 @ 9:30am 
Just bought this, wonderful product. Actaully did need some budget software. Am also excited to have something that is completely a non media software on steam. thanks guys!
jman.xb9sx Mar 10, 2013 @ 10:34pm 
Downloaded the free trial, did the free webinar which teaches you how to run the software, and then promptly paid for the full version. I NEVER pay full retail for any piece of software, so that should tell you how much I like this program! I never knew how to budget before getting YNAB. I now know how to budget, which makes the wife very happy. This program makes managing finances so much easier!
mysaga Dec 4, 2012 @ 10:13pm 
Just doing the free trial for about a week now and I really like they way it works. Hopefully it will be available here on steam before trial ends, so I can compare the offers.
Zrg! Dec 4, 2012 @ 1:08pm 
I do use it, its awesome. Saved me a lot of bucks on credit card and loan interests. It's kinda hard to live looking at the budget, it needs practice and will. but they can't realy code it, right?
Fortuna Dec 3, 2012 @ 6:01pm 
You should sell this to AMD before they go bankrupt.
Fortuna Dec 3, 2012 @ 5:59pm 
Congrats on getting greenlit. I knew there were many people out there who would find this useful.
An Atheist Jew Dec 2, 2012 @ 4:58pm 
@You Need A Budget - Thanks for responding! I'll think about trying out YNAB, although admitedly, I'm a lazy, lazy man, and manually exporting/importing transaction history does not sound like a lot of fun. BUT! I'll give it a shot.
Gorthalin Dec 1, 2012 @ 6:15am 
I am glad to see that this software might be on steam. I found YNAB as an alternative to eeba the phone envelope system. From what I have read, I think this will be great for making my budget in one place and my envelope system at the same time on the family phones. So far I like more things about YNAB than what I have to give up in leaving my (probably overcomplicated) spreadsheets. Will check back here in 30 days to see if I can get it through steam.

Strangely enough, I love that it "forces" me to take a look each month at what interest has accrued on my credit cards so I can keep the balances correct. I prefer to not see this, but I know it is good to stay grounded in reality. The ideas are a lot more in tune with how my wife and I live, constantly making plans and then having to change them as reality sets in. Thank you for providing rules that do not make us feel guilty when we have to change plans.
Rly Dec 1, 2012 @ 4:21am 
To be fair, I use steam so I don't HAVE to pay 60$ for a game. Price point is a turn off but...I'm really bad with money ;~;
You Need A Budget  [author] Dec 1, 2012 @ 12:55am 
@An Athiest Jew - We've got a whole page up on our site about how we compare to Mint: http://www.youneedabudget.com/ynab-vs-mint
Like Nepht said, a lot of it is about awareness, but also, remember the maxim: if you aren't paying for it, you are the product, not the customer!

@Sugar Gal 18 - We thought the same thing :D
BowTies El Frenche Baggot Nov 30, 2012 @ 11:04pm 
All I could thing of when I say this was "Summer Sale"
Nepht Nov 30, 2012 @ 9:48pm 
The problem with Mint (aside from getting worse and worse the more Intuit bloats it) is that all that automation means you're heavily uninvolved with your own finances. The point of YNAB isn't to give you an easy summary of your accounts and investments, it's to teach you how to manage your money properly and encourage a lifestyle change if you aren't.

You could actually read about the software and what it's built around instead of just calling it spreadsheet software, you know.
An Atheist Jew Nov 30, 2012 @ 1:20pm 
So, this is cute, but MINT does exactly the same thing...and doesn't require its users to edit a spreadsheet. It looks at your bank account and spending history, separates everything, and presents options. You can go in there and set things manually if you really want to, but when the service provides great budgetary spending limits and options all on it's own, automatically, why bother going through the spreadsheet process with YNAB?
XaaL Nov 30, 2012 @ 12:25pm 
Great to see YNAB approved.

PS. You should consider releasing it natively on linux ;-)
DarkTanner Nov 29, 2012 @ 6:34am 
of course
epsilon_be Nov 28, 2012 @ 4:38pm 
Highly recommended. Excellent software and well supported.
M3Ki - iGOR Nov 28, 2012 @ 7:49am 
Love the software, helped me to get out of 20K debt in a year! Really puts things into perspective. Shows where your money goes. Fast, efficient. I love the Dropbox Sync!
"The Dude" Nov 28, 2012 @ 7:44am 
People spend 60 bucks on a game without thinking but cringe at the thought of spending it on a budget software. YNAB is great. I've gone through all the other systems (Mint.com, Microsoft Money, Quickbooks.) and it is by far the best.

Highly recommended
Zable Nov 28, 2012 @ 4:38am 
love the software, but why is it on steam? i guess the steam sales require something like this...
Pants Nov 27, 2012 @ 11:52am 
I've been using YNAB throughout my 3 years in college and it's easily the most valuable piece of software I own. Well worth it!
[MTS]Nysha Nov 21, 2012 @ 1:58am 
You guys undersold my favourite feature - the mobile app. It's lovely to be able to stick expenses into my phone as and when they happen, instead of trying to save receipts and remember what I spent on what, especially for cash transactions. Cuts monthly budget-doing time to about 15 minutes (although I still frequently forget to do it).
Magus Nov 20, 2012 @ 1:02pm 
Need this for my rampant steam purchasing.
You Need A Budget  [author] Nov 19, 2012 @ 11:39pm 
You can definitely use Excel or a notebook to follow the methodology - the software developed from an Excel document originally. However, we've put 7 years of development into the software so it just works, rather than having to put together a spreadsheet to do the same thing!

As for people who actually have things to budget - that would be anyone who receives an income at all, and who has to (or wants to) spend that money :) You can think of it as a spending plan if that helps.
Tap Alt Nov 19, 2012 @ 10:38pm 
Looks like a nice program for people who actually have things to budget. I could argue that you could use Excel or a notebook to do what this program does, but this program clearly makes things easier.
lfreid Nov 16, 2012 @ 8:49pm 
I've LOVE this program! I've used YNAB for a few years now - it is amazing. As someone said earlier - It can change your life.
Wallach Nov 15, 2012 @ 11:48pm 
Highly recommended.
Salaisa Nov 15, 2012 @ 10:47am 
A very happy user from the international market. We went from a small financial crisis (how come there is no money left for food?) to feeling financially confident enough to get a mortgage and buy a house - in 1 year! YNAB is fantastic, it helped us think about money in a different way. If STEAM wants to consider other products than games, this would be a fantastic choice. Less stress and more time to game if money is taken care of :)
ssgbeatle Nov 15, 2012 @ 9:21am 
First money management software that I was able to get my spouse to use. We have been using this for a little over a year and now we both know exactly where all of our money is going. Even when I am deployed, TDY, or unable to talk with her about our money. It keeps us synced on our goals and our spending.
Titomus Prime Nov 14, 2012 @ 8:41pm 
The main reason to upgrade to YNAB 4 I think is the cloud syncing using Dropbox. It's so nice to work on your budget from anywhere you might be, and know that it is all synced and up to date. A big plus over other software!
Hexamerone Nov 14, 2012 @ 12:07am 
When people think about budgeting and income management tools, the word "exciting" doesn't come to mind, but this application succeeds in making budgeting as close to fun as it can get, and the support is awesome. I would love to see this on Steam.
Mad Hatter Nov 13, 2012 @ 8:11pm 
Bought and use YNAB 3; I can't justify the switch to YNAB 4 because the core features are already there; good software though; voting up.
loydte3 Nov 13, 2012 @ 7:02pm 
I have this program and really love it! You don't get a better program than this and it works REALLY well! If they offer it on here get it! That way you can budget for all your games!
aaronactive Nov 13, 2012 @ 6:54pm 
Voted! Love this program.
TrinityJayOne Nov 13, 2012 @ 3:38pm 
This is a brilliant program! If you live paycheck to paycheck it will change your life.
marsdenator Nov 13, 2012 @ 1:56pm 
We use this software and version 4 is very good. Very well supported by the developers as well.
FuZZyLoGiC Nov 13, 2012 @ 10:06am 
As a gamer, I see no problem with non-gaming software becoming part of Steam. Why shouldn't everyone get the benefit of a solid cloud-based software delivery mechanism? And, what better piece of software than YNAB to get that started? I've been using YNAB for nearly 3 years and it has literally changed my life. Simple rules, an intuitive user interface and amazing cloud sync between mobile devices puts YNAB a step above Money, Mint or Quicken. Highly recommended for anyone who wants to effectively manage their money!
Max Mantegna Nov 13, 2012 @ 9:48am 
In my experience I would recommend the software to anyone that runs a studio. It's a pretty neat tool for financial planning and really easy to use.

Don't get fooled by the pitch video, it was targeted to another audience :)
Nizmoo Nov 13, 2012 @ 9:46am 
Excellent software. best out there. id be lost without it. :)
Marten Nov 13, 2012 @ 9:35am 
Love this software! Change my look att money!
CitižۼN ۍNips [TeamFlash] Nov 13, 2012 @ 8:52am 
This software was the best/most sensible purchase for me this year (maybe even longer) and have saved me money in so many ways. If it gets onto Steam as a new distribution mechanism, then that's simply great news for anyone who hasn't heard of it yet.
Elessar Nov 13, 2012 @ 8:45am 
This is great software and if Steam is going to expand beyond gaming, then this is an excellent first step. Good financial software can easily result in hundreds if not thousands of dollars in savings, just by making your own spending habits more transparent.
son-of-fire Nov 13, 2012 @ 8:44am 
I'm an existing YNAB user and love the software. It's essential to my daily life. I love talking about it every chance I get. Just wanted to say happy user here!
You Need A Budget  [author] Nov 10, 2012 @ 12:33pm 
Mas3th - if you don't want to use it on Steam, that's ok. You can check it out a demo on our site in a non-Steam format if you want!