YNAB (You Need a Budget) is an American company that provides an online personal budgeting program aimed at helping users manage their finances effectively. Founded in 2004 by Jesse Mecham, YNAB has developed from a simple spreadsheet into a comprehensive budgeting software accessible via web browsers and mobile apps. The service is built around four key budgeting principles: giving every dollar a job, embracing true expenses, rolling with the punches, and aging your money.

The software allows users to import transactions from linked financial institutions or enter them manually. It offers detailed financial reports and visual tools for tracking spending, savings goals, and net worth. Users can categorize their budgets into bills, needs, wants, and savings, enabling precise fund allocation and adjustments throughout the month. YNAB is designed for individuals and families seeking a structured budgeting tool, supporting shared accounts for up to six people. The company operates on a subscription model, with an annual plan priced around $9.08 per month, and emphasizes a remote team dedicated to enhancing money management.