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can YNAB really be used for business?
Hi all! I use YNAB for our personal family account. I have a separate bank account and credit card for my business. I was wondering whether YNAB is also good for businesses.…
- Dan
- dan.1
- yesterday
- 4 replies
- 42
- DelaYNAB Support9 hrs ago
- Small Business
Loans from Personal accounts...
This isn't exactly a YNAB question, but it's a question of how to handle tracking and things for my small business. Lately my income has tanked due to losing my biggest client last fall.…
- farfromtheusual
- farfromtheusual
- 1 mth ago
- 6 replies
- 65
- MadDog1 mth ago
- Small Business
New Self Employed in UK
Hi all, I'm in the process of changing job, I will move to a company that hires people as self-employed. I created my account with HMRC and I'm waiting for my URT (UTR?…
- FesterVattelapesca
- FesterVattelapesca
- 1 mth ago
- 3 replies
- 41
- monkeyhanger1 mth ago
- Small Business
Separate bank account for freelance work?
Hi all, I'm wondering whether I can/should ditch the separate checking account + credit card I have for my freelance work. I'm a full-time salaried employee and do a minor amount of freelancing on…
- Silver Guitar
- Silver_Guitar.10
- 1 mth ago
- 3 replies
- 31
- MatthewYNAB Support1 mth ago
- Small Business
How to transition from mixed personal and business to separate personal and business budgets?
Hello YNABers! I've been using YNAB for a couple of years and I have a small business. I'm ashamed to admit it but I've kept my personal and business budgets mixed in YNAB (and the accounts mixed in…
- emmasimone
- Orange_Koala.5
- 2 mths ago
- 2 replies
- 46
- 1
- Fabiooltje1 mth ago
- Small Business
Reopening the business
Hi guys, I run a small web development company having around 30 employees. We have to work from home due to COVID. But we plan to reopen it soon. Initially, we plan for a partial opening.…
- Tomato Beat
- Tomato_Beat.16
- 3 mths ago
- 3 replies
- 121
- Tomato Beat3 mths ago
- Small Business
Paying myself from my business
Hey there! I've recently separated personal and business into 2 budgets. Stoked about that! I'll try to explain as easily as possible: Wondering how you all pay yourselves from the business.…
- Howi Spangler
- howispangler
- 4 mths ago
- 2 replies
- 90
- Howi Spangler4 mths ago
- Small Business
Starting a sole proprietorship business
Hi, I was working in an IT company for the past few years. Recently due to COVID, I lost my job. Now, I plan to start a sole proprietorship web development company.…
- Maroon Cello
- Maroon_Cello.11
- 4 mths ago
- 4 replies
- 130
- Black cat4 mths ago
- Small Business
Retainers
We have a business that requires a non-refundable retainer up front (long story... several clients who we did work all the way through the project only to have them default on the bill- lessons…
- Persephone's Mom
- Persephones_mom
- 5 mths ago
- 43
- Small Business
Keep emergency fund in business account?
Hi, I work as a self employed IT contractor in the UK. I'm sole director of my limited company. I always leave a few months' worth of running costs and salary in that account,…
- ToTheLighthouse
- Ivory_Battery.8
- 5 mths ago
- 11 replies
- 146
- dakinemaui5 mths ago
- Small Business
Separating Business from Personal Budget
I searched for an answer but couldn't seem to find what I need. I started YNAB with my business and personal combined, but it's getting hard for me to see what's actually where.…
- Duschinka
- duschinka
- 6 mths ago
- 8 replies
- 231
- 1
- PhysicsGal5 mths ago
- Small Business
Using YNAB for personal and business expenses (as LLC Owner)
Hi Everyone! I'm new to YNAB, and any form of properly tracking my finances in a professional, structured way. After always just shoving everything I could to my tax accountant,…
- Sea Green Cheetah
- Sea_Green_Cheetah.9
- 6 mths ago
- 16 replies
- 464
- dakinemaui6 mths ago
- Small Business
Family Child Care Business
I'm getting ready to open a family child care (in-home daycare) business in January and am looking for advice from any current YNAB users who manage their personal and business finances with YNAB.…
- Slate Gray Boa
- Slate_Gray_Boa.8
- 7 mths ago
- 1 reply
- 119
- FanessYNAB Team7 mths ago
- Small Business
Research on Side Hustles (Possibly Based in a Hobby)
I am a doctoral candidate trying to get in contact with people who work several jobs of which one might be based on a hobby. We—a group of researchers at the University of Oregon—want to understand…
- ResearchGig
- Tomato_Sound.7
- 8 mths ago
- 152
- Small Business
Employees & Tracking payroll taxes
Hello brilliant minds, for those that have employees, how do you track payroll taxes. As an example payroll for Employee 1 is Gross $500. Income tax $25, CPP $15,…
- Tami
- Planner
- tami
- 9 mths ago
- 7 replies
- 242
- Oli Summer4 mths ago
- Small Business
Profit & Loss for Sole Traders & Limited Companies
Do you offer a full accounting solution? In other words turn those bank spreadsheets into completed profit and loss accounts detailing all sales costs, income & expenditure? Not just for companies,…
- Bowline Pixie
- Tan_Mill.10
- 10 mths ago
- 1 reply
- 99
- Tobias10 mths ago
- Small Business
Partner/Discounts for CPA referring clients to YNAB
I own a CPA/Advisory firm and would like to recommend YNAB to clients for their personal budgeting needs. With some of our other partner SAS programs, we are able to either have a Partner…
- Purple Zebra
- Purple_Zebra.6
- 10 mths ago
- 1 reply
- 89
- NicoleYNAB Support10 mths ago
- Small Business
Is it worth to have a second budget when my business is still in its early days?
Hi, I'm quitting my job next week to work as a freelancer. My current employee will be my main client so I'm on rather firm ground. I thought I might need a second budget to log and plan all…
- Salmon Cup
- Salmon_Cup.5
- 11 mths ago
- 11 replies
- 234
- farfromtheusual11 mths ago
- Small Business
Affiliate partner
Hello, I'm wondering if you've revamped your affiliate partner program yet. If so, where can I apply?
- Alice Blue Hammerhead
- Alice_Blue_Hammerhead.12
- 11 mths ago
- 5 replies
- 270
- NicoleYNAB Support3 mths ago
- Small Business
Financial Wellness by YNAB
As YNABers, we know the positive impact of a budget on reducing money stress. Did you know the #1 cause of employee stress is personal finances? For businesses,…
- NicoleYNAB Support
- Support Manager
- nicole_ynab
- 1 yr ago
- 8 replies
- 209
- NicoleYNAB Support11 mths ago
- Small Business
PPP Money
Anyone have ideas about how to handle PPP loan money? According to the rules, 75% has to be used for payroll. I'm at a loss as to how to track the money using categories.
- Violet Elk
- Violet_Elk.5
- 1 yr ago
- 4 replies
- 337
- Sky Blue Tugboat11 mths ago
- Small Business
Advice for Volatile Cashflow Salary/Draws using Biz and Personal Budgets
Hello all! I own a small business. I'm using YNAB for personal (Still learning), and I've now set up a separate YNAB business budget. I have questions that are both 'philosophical' and 'how-to-YNAB.…
- Ivory Cheetah
- Ivory_Cheetah.8
- 1 yr ago
- 6 replies
- 155
- Alice Blue Yeti1 yr ago
- Small Business
Canada COVID19 wage subsidy for employers
I am just writing this in case there are any Canadian business owners (or influencers) on here. The application for the Canada Employment Wage Subsidy (CEWS) is launching on Monday April 27.…
- MXMOM
- MXMOM
- 1 yr ago
- 1 reply
- 137
- MXMOM1 yr ago
- Small Business
Extend Trial
I need an additional 60 days on my trial to make sure it is all going to work with my work and expense accounts. So far it it looking good but I am running dual systems right now and need more time.
- Hot Pink Wizard
- Hot_Pink_Wizard.8
- 1 yr ago
- 4 replies
- 341
- NicoleYNAB Support1 yr ago
- Small Business
Balance Sheet for Business
I am beginning to use YNAB for our small construction business. I am a contractor with no employees, just myself, my wife and subcontractors. We are an S-corp.…
- Bachi
- Sustainability Consultant
- Ivory_Dragon.6
- 1 yr ago
- 2 replies
- 348
- Pete2 mths ago
- Small Business

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