What accounts do you keep "on-budget" in YNAB?

4,751 of you (so far) have taken the YNAB User Deep Dive survey. I’ve received a couple dozen messages offering feedback on how the survey could be better/more relevant, and I’ve already updated the survey accordingly – so thanks for taking the time to help me improve it!

Digging through the responses, the results of one question raised my eyebrows quite a bit:

Q18: How many on-budget accounts do you have in YNAB?


No. of On-Budget Accounts % of Respondents
1 16.51%
2 12.58%
3 13.83%
4 12.96%
5 9.92%
6 8.17%
More than 6 26.03%

44% of you have five or more on-budget accounts, with a quarter of you reporting more than six.

My three Budget Accounts are: Checking, Savings, Credit Card. (To be honest, I can’t remember why I have the savings account on-budget. Come to think of it, I’m not sure why I don’t just keep that money in checking. The interest rate is laughable and it’s just one more thing to be aware of.)

I’m sitting here trying to figure out how a person would end up with six budget accounts, let alone more than six. At the other end of the spectrum, I’m curious about people with just one Budget Account. Is that a single checking account? (Suddenly I’m jealous of how streamlined that sounds.)

YNAB is not one-size-fits-all, and that’s why we ran the survey.

So, tell me:

  • How many Budget Accounts do you have?
  • What are they?
  • What’s your thought process for putting an account on-budget?