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You Need a Budget (YNAB) (pronounced /ˈwaɪnæb/) is an online personal budgeting program based on the envelope system developed by a privately owned American company of the same name. 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.[1][2] It evolved from a spreadsheet that he created for the budgeting process.[3] In 2015 they changed their licensing model to Software as a service.[4]
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.