YNAB (You Need A Budget) is a personal budgeting software designed to help users manage their finances and plan for future expenses. It offers features like real-time budgeting, goal tracking, and automatic transaction import. Users can create and customize categories for their expenses, and the app provides insights into spending habits and financial progress. YNAB emphasizes proactive budgeting by assigning every dollar a job and encourages users to minimize debt while saving more effectively.