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Computerized Investing > May 18, 2013

You Need A Budget 4

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by CI Staff

You Need A Budget (YNAB) is a popular budgeting program that seeks to help people avoid living from paycheck to paycheck, get out of debt and save more money. Using this online program, users can input their expenses, categorize spending and generate reports.

You Need A Budget recently came out with an upgrade to the program, YNAB 4. It features cloud syncing, which allows users to access their data using any device, at any time. YNAB 4's iPhone and Android app make it easier to stay on top of your spending as well. The new version includes a unified account view so users can see all their transactions on one screen. If you make an error while tracking your budget, the program now lets you go back to a previous version of your budget, so past budgeting isn’t lost. In YNAB 4, you can create customized financial history reports for simple tracking. Auto-save is another added feature, so you don’t have to worry about losing your work.

A reconciliation wizard, which is also new in this version, ensures that your YNAB balance matches your actual bank accounts. The program allows you to create multiple budgets to keep your finances organized. The new budget-switching feature allows you to flip-flop between budgets without having to shut down the program. For those who import QIFs, YNAB 4 won’t import duplicate transactions from QIF files, erasing any extra cleanup time users might have encountered. The new version also allows users to input text in any language, as opposed to just Latin characters.

Although a bit pricey, You Need A Budget is a thorough budgeting program that can help users reach long-term financial goals. They do offer a free 34-day trial as well.

You Need A Budget Version 4.1.553

System Requirements: Windows XP/Vista/7/8, Mac OS X (Snow Leopard 10.6 – Mountain Lion 10.8)

Size: 16.93MB

Price: Free 34-day full-featured demo; $60 to purchase for Windows/Mac; $97 for YNAB 4 with study guide


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