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.

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.

[4] The service encourages users to follow four principles or "rules": [6][7][8][9] 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.

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.