You Need A Budget: Difference between revisions
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{{CompanyCargo | {{CompanyCargo | ||
|Founded=2004 | |Founded=2004 | ||
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|CompanyAlias=YNAB}} | |CompanyAlias=YNAB}} | ||
Founded in 2004 by Jesse Mecham, '''You Need A Budget (YNAB)''' is | Founded in 2004 by Jesse Mecham, '''You Need A Budget (YNAB)''' is a financial software company that provides cloud-based personal budgeting software following the envelope methodology. | ||
YNAB built its namesake software from an Excel spreadsheet for sale in 2004 into licensed releases, the last of which was "YNAB 4," for which support was discontinued in 2019.<ref name="timeline-ynab">{{Cite web |author= |title=Timeline <nowiki>|</nowiki> YNAB |url=https://www.ynab.com/about-us/timeline |website=[[YNAB]] |date= |access-date=16 Apr 2026 |url-status=live |archive-url=https://web.archive.org/web/20260416033503/https://www.ynab.com/about-us/timeline |archive-date=16 Apr 2026}}</ref><ref name="ynab-4-support-ends">{{Cite web |author= |title=YNAB 4 Support Ends October 2019 |url=https://www.ynab.com/blog/ynab-4-support-will-end-october-2019 |website=[[YNAB]] |date=11 Sep 2019 |access-date=16 Apr 2026 |url-status=live |archive-url=https://web.archive.org/web/20260416034125/https://www.ynab.com/blog/ynab-4-support-will-end-october-2019 |archive-date=16 Apr 2026}}</ref> With the release of "nYNAB" in December 2015, the company pivoted to a [[Software as a service|SaaS]] business model.<ref>{{Cite web |author= |title=The New YNAB Business Model |url=https://www.ynab.com/blog/the-new-ynab-business-model |website=[[YNAB]] |date= |access-date=16 Apr 2026 |url-status=live |archive-url=https://web.archive.org/web/20260416034644/https://www.ynab.com/blog/the-new-ynab-business-model |archive-date=16 Apr 2026}}</ref> | |||
==Consumer impact summary== | |||
===User Freedom=== | ===User Freedom=== | ||
In order to use YNAB's service, users must agree to the YNAB [[Terms of Service]]<ref name="terms-of-service">{{Cite web |date=2026-04-09 |title=YNAB Terms of Service |url=https://www.ynab.com/terms |url-status=live |archive-url=https://web.archive.org/web/20260415171655/https://www.ynab.com/terms |archive-date=2026-04-15 |access-date=2026-04-15 |website=You Need A Budget}}</ref>, which, as of April 9th, 2026, includes agreeing to a mandatory [[Forced arbitration|binding arbitration]] with [[Class action|class-action]] and jury trial waiver for any users not based in the UK, Switzerland or European Economic areas. The terms outline a 30-day period available to such users after agreement to opt out of losing this right by emailing the company at their legal support email address. | In order to use YNAB's service, users must agree to the YNAB [[Terms of Service]]<ref name="terms-of-service">{{Cite web |date=2026-04-09 |title=YNAB Terms of Service |url=https://www.ynab.com/terms |url-status=live |archive-url=https://web.archive.org/web/20260415171655/https://www.ynab.com/terms |archive-date=2026-04-15 |access-date=2026-04-15 |website=You Need A Budget}}</ref>, which, as of April 9th, 2026, includes agreeing to a mandatory [[Forced arbitration|binding arbitration]] with [[Class action|class-action]] and jury trial waiver for any users not based in the UK, Switzerland or European Economic areas. The terms outline a 30-day period available to such users after agreement to opt out of losing this right by emailing the company at their legal support email address. | ||
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*YNAB API | *YNAB API | ||
*YNAB Zapier integration | *YNAB Zapier integration | ||
;Pre-nYNAB Apps<ref | ;Pre-nYNAB Apps<ref name="timeline-ynab"></ref> | ||
*YNAB Excel spreadsheet (Sep 2004) | *YNAB Excel spreadsheet (Sep 2004) | ||
*YNAB Pro (Nov 2006) | *YNAB Pro (Nov 2006) | ||
*YNAB 3 (Dec 2009) | *YNAB 3 (Dec 2009) | ||
*YNAB 4 (Jun 2012 - Oct 2019)<ref | *YNAB 4 (Jun 2012 - Oct 2019)<ref name="ynab-4-support-ends"></ref> | ||
==See also== | ==See also== | ||