Download YNAB for Windows to manage your personal budget and money. By You Need a Budget (YNAB) Free to try. Developer's Description. By You Need a Budget (YNAB). YNAB ought to be moved to the free-to-try section. They offer a 34-day full-featured free download. As a side note, I started working with Mvelopes yesterday and am ready to give it up. Part of the problem is that my credit union doesn..