You Need a Budget 4 | Best Apps and Games 28 March,2020

You Need a Budget 4

Gain Total Control of Your Money
Stop living paycheck to paycheck, get out of debt, and save money faster with YNAB.

"10/10 – YNAB exceeds my expectations in many ways" — Mac.AppStorm
"Most Popular Personal Finance Software: YNAB" —
5/5 Stars – “I like You Need A Budget 4. A lot. … Of all the personal financial software I’ve tried over the years, it rates among the best" —
One of "10 Personal Finance Tools You Should Use Now. " — U.S. News & World Report
"YNAB is great stuff – it really is." — CNN Headline Radio

•• Never heard of YNAB? ••
It’s easy-to-use budget software paired with a powerful methodology.
For more info and free live classes, visit:

Praised across the internet as the "best budgeting software", You Need A Budget (YNAB) cuts to the chase with your finances. YNAB focuses you on the foundation of your finances: the Budget. Experience has shown that when your budget is intact, and functioning correctly, everything else takes care of itself (the bills are paid on time, retirement contributions are made, and unnecessary debt is eliminated).

The software is built around the YNAB Method, which is comprised of our Four Rules. These Four Rules help you break the paycheck to paycheck cycle, get out of debt, and save more money faster. Where other software packages tend to have years of feature creep, YNAB offers exactly what you need: a simple, straightforward system to manage your money. And YNAB offers fantasitic support, including video tutorials, free live budgeting classes, and an active supportive forum community.

••Cloud Sync – stay on budget everywhere••
Check balances and record transactions on the go with the free YNAB iPhone, iPad, and Android apps. Install YNAB on all of your Macs (and even PCs!). They all stay up to date, all the time with Cloud Sync.

There’s no more guessing when it comes to spending decisions. With your budget always up to date, whether on your partner’s iPhone, your Android, or at home on your Mac, you’ll know in a moment that it’s okay to head out to eat. Enjoying yourself is part of the plan*.

*That’s a code word for ‘budget’

••Get Off the Financial Roller Coaster••
YNAB lets you easily set aside funds for larger, less-frequent bills. $600 car insurance premium due in six months? Budget $100 each month into your ‘Car insurance’ category and watch the balance grow. When the bill is due, you pay it and everything is fine. What used to send you into financial "crisis mode" now doesn’t phase you.

YNAB shows you what needs to happen *now* so you can handle what happens *next*. The quality of your spending decisions will skyrocket and you’ll be managing your money better than you ever thought possible.

••Money Management Made Simple••
YNAB will happily import downloaded transactions in all the popular formats. It doesn’t talk to your bank directly, but many of our customers find themselves ditching importing all together, or just using it to ensure they didn’t miss anything. Their money awareness increases right along with their bank account balance. This is no chore! Most of our users spend less time managing their money than ever before. How? Scheduled transactions, an interface designed for fast entry, and mobile apps for entry on the go.

••Save More, Faster••
After one month, the median net worth increase for a YNABer is $200! After one month! After nine months, the median net worth increase is $3,300! The sky is truly the limit!

How is this possible? Most budget software asks you to guess a number on the 1st, inevitably leaving you to feel guilty on the 31st because you guessed wrong. YNAB is a new kind of budget – a flexible budget that helps you deal with overspending and makes it easy to save for your goals.

Check out our awesome, supportive community, and participate in one of our free live classes at



Ctrl/Cmd-Shift-C will now clear selected transactions on the register screen even if the focus is in a text field. ‘C’ still works when the focus is not in a text field.

* Currency formatting tweaks
* Added a check and warning for attempts to rename payees to ‘Transfer :’ on the Payee Settings screen.
* The ‘Move to Account’ option on the register transaction edit menu is now disabled if there are no other accounts to move the transaction to.

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* ‘Save a version’ will now always save a new version, even if there’s been no changes since the last save.
* The Create Budget button is now disabled until a name is entered, preventing blank budget names.
* Using Up and Down arrows on the budget page now cycle from top to bottom and vice versa when reaching the start or end of the rows.
* Renamed ‘Year to Date’ filter to ‘This Year’.
* Clearing a transaction by mouse now occurs on mouseup, rather than mousedown.
* Deleting transactions to be approved by clicking the reminder icon now shows Undo like normal deletions.
* OFX/QFX imports are now better at handling non-standard formatting by certain banks.
* Fresh Start now resets all account balances to 0, to make re-entering current balances easier.
* Categories can no longer be renamed to be blank or only contain spaces.
* The ‘Starting Balance’ payee is now selectable when filtering reports.
* The ‘Edit Payees’ button at the bottom of the payee selector dropdown now jumps to the currently entered payee on the Payee Settings dialog when clicked.
* Using ‘c’ to clear a transaction now works while editing after changing the transaction date

* Fixed YNAB no longer crashes if you delete both sides of a transfer at once in the All Accounts view.
* The automatic, rolling backups could get deleted too frequently, especially if you ran YNAB very frequently. From now on, YNAB will keep backups hourly for a week, daily for a month, and every 15 days from then on.
* The Indian could would cause the budget columns to be misaligned.
* Better Formatting tweak on the UAE Dirham.
* Fixed On slow internal networks, Wifi sync will no longer prematurely time out.
* Fix for Arabic text sometimes causing a crash when viewing reports.
* Fixed an error where uncategorised and unaccepted transfers to off-budget accounts could be ignored when calculating the uncategorised row in the budget.
* Typo in message about moving reconciled transactions.
* Finishing or canceling reconciliation now correctly applies the existing date filter to the register.
* Unmatched transactions now retain their original flag colour.
* The All Outflows summary tooltip on the budget screen now includes split transactions.
* Several rare crashes
* Fixed a bug that could cause YNAB to stop auto-saving in some circumstances after a Fresh Start. (It would still save on exit, but would not publish changes to other devices or save work every 5 seconds as designed)
* Fixed a crash bug that would happen when you tried to rename a category that had been hidden on another device.
* Added more space so the date filter is not cut off when printing the account register.
* Register keyboard shortcuts are no longer handled if the Preferences or Budget Setup screens are showing
* Unmatching a reconciled transaction via the ‘Unmatch’ button no longer removes the imported transaction.
* Removed ‘YNAB 3’ reference from sample CSV file


* Importing an OFX/QFX file with no accounts or transactions no longer prevents a second import attempt.

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* Prevent a rare crash that can occur when opening the calculator on the budget screen.
* On Windows, YNAB once again restores the window to maximized if it was maximized before restarting.
* Corrected the Ghanaian Cedi ISO code, which also re-adds the Nigerian Naira currency.

* Due to some tweaks in the way bank files are handled, you might have to re-select the account for your bank downloads, but you will only have to do this once.

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