YNAB

You Need a Budget (YNAB) (pronounced ) is a privately owned American company that develops an online personal budgeting program based on the envelope system. It is available via any internet browser or a mobile app. The program was initially developed as standalone software 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. In, 2015, they changed their licensing model to Software as a service.

Overview
The service encourages users to follow four principles or "rules":
 * 1) Give every dollar a job: Each dollar in a budget is allocated to a specific purpose.
 * 2) Embrace true expenses: All expenses are planned for, so that there are no surprises.
 * 3) Roll with the punches: Being flexible when there is overspending.
 * 4) 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.

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.