YNAB (You Need A Budget)

YNAB (You Need A Budget) is a privately owned American company that offers an online personal budgeting program based on the envelope system. It helps users gain control of their money by assigning every dollar a job, embracing true expenses, rolling with the punches, and aging their money. The service is available via web browser or mobile app and has helped millions of people improve their financial habits, reduce stress, and achieve their financial goals.