YNAB definitely demands a learning curve-you'll have to watch some videos and read some articles to set up your account, add your financial information, get to know the envelope budgeting system, and start expense tracking. If it sounds a little complicated, well, you're not wrong. In other words, you're learning to purchase intentionally and save sans spending sprees. ![]() Then, you spend your dollar on that task only. ![]() (As the Gilmores might say, it's not an app, it's a lifestyle.)Īs per YNAB's four budgeting rules (which follow zero-based budgeting principles), you should assign each dollar you earn a task, whether that's helping you buy dinner or save for a vacation. Instead, the app actively teaches you to budget. YNAB's approach to budgeting goes beyond tracking your money to see where it goes.
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