YNAB Review - Focos

YNAB Review

YNAB Review Logo
YNAB Review Score
Score based on customer user experience

What is YNAB?


YNAB is a multi-award-winning app that will help you build wealth and gain financial control. You can learn from YNAB’s proven strategy on how to stop living from bill to bill, get out of debt, and save more money. Try it out for free for 34 days and see what makes YNAB so special. It doesn’t have to be a sloppy business. The YNAB budgeting app and its four-step method will help you get your finances in order, get rid of debt, save money, and get closer to your financial goals. It doesn’t have to be this way for the rest of my life. You, too, can turn around your finances as these people did. When it comes to personal budgeting, You Need a Budget (YNAB) takes a unique approach. This online personal finance service is based on the idea that every dollar you’re expected to earn needs to be put to use, so you can choose to spend it or save it. You can see where you stand with your spending because the site connects to your financial accounts that flow into your budget. 

Although YNAB can be a little difficult to master, it does have a lot of educational content, both tutorial and philosophical. By helping you better understand your saving and spending habits, YNAB improves your chances of making a budget work by helping you better understand your saving and spending habits. Your income is taken into account by YNAB, which asks you to make every dollar work for you. A spending or savings category should be assigned to each dollar. Your classes may take a few months to finish, and they’re likely to change as time goes on. The goal is to find a true balance in your finances, ensuring that your essential expenses are met and that you aren’t overspending in any area. YNAB tries to educate people who live paycheck to paycheck about where their money goes to manage their finances better. Its creators hope that people will be able to live on their monthly income without having to dip into extra funds and begin to save. 

YNAB has a fantastic user interface, which aids in usability and enhances your overall experience. Once you get the hang of it, the mechanics aren’t that difficult. Before you start anything, I strongly advise you to check out some of the many tutorials available. However, once you’ve started, you’ll be able to get a lot of help (more on support later). I’ve never seen a budgeting application like YNAB before. It’s highly unlikely that you’d be able to figure out what’s going on just by clicking around. Credit Card Payments, True Expenses, Debt Payments, Immediate Obligations, Quality of Life Goals, and Just for Fun are the main categories. The right vertical pane displays related information when you click a variety, such as Rent/Mortgage. There are four columns in your budget template, which looks like a spreadsheet. The category of the item is the first. A field (labeled Assigned) to the right is where you can eventually enter your budgeted amounts. The transaction amount appears in the third column when it is imported and categorized. The fourth column shows how much you spent on that category in the current pay period. Another column appears to the right of each category name, indicating its status, as you create your targeted amounts for your categories. As you click categories and start to work with the site’s tools, the content in the vertical plane on the right changes. In the spreadsheet, YNAB uses color-coding to indicate the status of a category. A month has been funded in green. Yellow means there is still work to be done, and red indicates a serious problem that needs to be addressed.

View Website

Ready to Try it yourself

Take a 14-day free trial

Book a Demo

Make work easier

Work securely and clutter-free with fewer distractions than in a browser. Bring the apps you and your team use to the front and center, no more getting lost switching in-and-out of browser tabs.

YNAB Review Screenshot

Try in Focos

Create a dedicated workspace for yourself and other users, so you can use the apps you love alongside each other. Discover new apps. Run multiple accounts of the apps you love at the same time without having to logging in-and-out.

YNAB Review Screenshot

Start Your Free 14-Day Trial

Coming to terms with working from home?
Try FOCOS, a single place for all your apps.

Book a Demo

Start Your Free 14-Day Trial

Book a Demo

Full access. No credit card required.