YNAB
You Need a Budget (YNAB) (pronounced ) is an American multi-platform personal budgeting program based on the envelope system. It is available via desktop computer or mobile app. The software was developed in 2004 by Jesse Mecham, while he was in college pursuing his master's degree in accounting after an experience where he and his wife had no money and needed to improve their budgeting. It evolved from a spreadsheet that he created for the budgeting process. Overview
The software encourages users to follow four principles: "Give every dollar a job", whereby each dollar is allocated to a specific purpose; embrace true expenses so that there are no surprises; "roll with the punches", i.e. being flexible when there is overspending; and "age your money", keeping money in your budget without immediately spending it. Users can either import transactions automatically from their financial institutions or input them manually. The software also displays financial reports to keep users informed about their finances at a glance. The platform also has several open-source add-ons. Awards and recognition
YNAB has been named one of the best budgeting apps by U.S. News & World Report, Kiplinger's Personal Finance, CNN, HuffPost, CNBC, and hundreds of other financial reporting outlets. The Wall Street Journal - Best budgeting app for hands-on budgeters. Forbes - Best Budgeting Apps
 Money - Best budgeting app for college students. Lifehacker - Most popular personal finance software. Wirecutter - "Great pick for hard-core budgeters". Investopedia - Best overall budgeting app. See also
 List of personal finance software
 Software as a service
 Web application

References

External links
 

2004 software
Accounting software
Cloud applications
Shareware
Web applications