<s>
You	B-Application
Need	I-Application
a	I-Application
Budget	I-Application
(	O
YNAB	B-Application
)	O
(	O
pronounced	O
)	O
is	O
an	O
American	O
multi-platform	O
personal	O
budgeting	O
program	O
based	O
on	O
the	O
envelope	O
method	O
.	O
</s>
<s>
YNAB	B-Application
is	O
a	O
personal	O
budgeting	O
software	O
platform	O
that	O
can	O
be	O
used	O
across	O
desktop	O
computers	O
,	O
the	O
iPhone	O
and	O
Android	B-Application
operating	I-Application
systems	I-Application
,	O
iPads	O
,	O
Apple	O
Watches	O
,	O
and	O
the	O
Amazon	O
Echo	O
system	O
.	O
</s>
<s>
The	O
general	O
theory	O
of	O
YNAB	B-Application
is	O
to	O
"	O
give	O
every	O
dollar	O
a	O
job	O
"	O
.	O
</s>
<s>
The	O
platform	O
also	O
has	O
several	O
open-source	O
add-ons	O
that	O
can	O
expand	O
on	O
YNAB	B-Application
's	O
features	O
.	O
</s>
<s>
YNAB	B-Application
is	O
a	O
paid	O
software	O
program	O
.	O
</s>
<s>
The	O
latest	O
version	O
,	O
dubbed	O
"	O
The	O
New	O
YNAB	B-Application
"	O
or	O
"	O
nYNAB	O
"	O
,	O
was	O
launched	O
December	O
30	O
,	O
2015	O
as	O
a	O
web-based	B-Application
application	I-Application
,	O
with	O
apps	O
for	O
iPhone	O
,	O
iPad	O
,	O
and	O
Android	B-Application
devices	O
.	O
</s>
<s>
Version	O
4	O
was	O
a	O
desktop-based	O
application	O
available	O
for	O
Windows	O
and	O
Mac	O
OS	O
,	O
with	O
apps	O
for	O
iPhone	O
and	O
Android	B-Application
devices	O
.	O
</s>
<s>
YNAB	B-Application
3	O
(	O
released	O
December	O
2009	O
)	O
ran	O
on	O
multiple	O
platforms	O
using	O
the	O
Adobe	B-Operating_System
AIR	I-Operating_System
runtime	I-Operating_System
,	O
and	O
previous	O
versions	O
included	O
a	O
Microsoft	O
Excel/OpenOffice.org	O
Calc	O
spreadsheet	O
implementation	O
(	O
dubbed	O
YNAB	B-Application
Basic	O
and	O
discontinued	O
in	O
July	O
2009	O
)	O
and	O
a	O
Windows-only	O
executable	O
under	O
the	O
name	O
YNAB	B-Application
Pro	O
(	O
discontinued	O
in	O
December	O
2009	O
)	O
.	O
</s>
<s>
YNAB	B-Application
for	O
iPhone	O
was	O
released	O
in	O
2010	O
and	O
runs	O
on	O
the	O
iPhone	O
,	O
iPod	O
touch	O
,	O
and	O
iPad	O
.	O
</s>
<s>
It	O
is	O
not	O
a	O
standalone	O
budgeting	O
application	O
but	O
is	O
instead	O
designed	O
to	O
complement	O
the	O
YNAB	B-Application
for	O
Desktop	O
application	O
.	O
</s>
<s>
YNAB	B-Application
for	O
Android	B-Application
was	O
released	O
in	O
September	O
2011	O
.	O
</s>
