如果您认识使用预算应用程序You Need a Budget (YNAB)的人，您很可能听说过他们提到它。YNAB 用户就像素食主义者和跑步者——他们喜欢(love)谈论它。这也是可以理解的。YNAB 可能只是您在预算内让您的财务状况井井有条(get your finances in order with a budget)的裤子。
尽管 YNAB 拥有所有优势和好评如潮，但如果没有可用的解决方案， YNAB确实有一个弱点，可能会成为一些用户的交易破坏者。(YNAB)YNAB的致命(Achilles)弱点是其有限的报告功能。幸运的是，您可以安装Toolkit for YNAB浏览器扩展程序，以获得对您的财务数据进行切片和切块的其他几种方法。
YNAB 扩展工具包
Toolkit for YNAB是一个免费的开源浏览器扩展程序，可为您的YNAB仪表板添加功能并允许更大程度的自定义。扩展程序可用于Chrome和Firefox，并让您查看YNAB不提供的财务数据。我们将查看YNAB 工具包随附(YNAB Toolkit)的报告，以突出显示通过安装它可以获得的额外见解。
YNAB 工具包报告
如果没有Toolkit，YNAB本身会提供三个报告：支出、净值(Net Worth)和收入(Income)v费用(Expense)。相比之下，YNAB 工具包(YNAB Toolkit)包括七份报告：
- 净值
- 流入/流出
- 按类别支出
- 收款人消费
- 收入与支出
- 收入明细
- 随着时间的推移平衡
对于来自 YNAB 或 YNAB 工具包的任何报告，您(Toolkit)可以指定(YNAB—you)时间范围并选择包括或排除特定类别和/或帐户。
安装Toolkit后，通过选择YNAB 主菜单中的Toolkit Reports来查看新报告。
净值报告：YNAB与工具包(Toolkit)
Toolkit 的Net Worth报告与 YNAB 的报告非常相似，但添加了一些额外的功能。我们已经从屏幕截图中删除了一些细节，但不要担心；查看报告时，您会看到确切的数字。首先(First)，让我们看一下 YNAB 的原生净值(Net Worth)报告。
将其与 Toolkit 的净值(Net Worth)报告进行比较。
两个报告都显示了一个条形图，其中红色的债务、蓝色的资产和您的净资产为一条线。此外，工具包的净值(Net Worth)报告为您提供了翻转债务(Flip Debt)的选项，以便您的债务在图表中显示在 0.00 美元以下，而不是堆积在您的资产上。Toolkit报告还包括您的债务百分比，您可以在Toolkit的设置页面中打开或关闭该功能。
YNAB 工具包的Inflow/Outflow Report
你带来的(bringing in)比你花的多吗？
要查看Inflow/Outflow Report，您需要安装工具包(Toolkit)，因为YNAB不包含此报告。
支出报告：YNAB与工具包(Toolkit)
YNAB 的基本支出报告(Spending Report)向您展示了随着时间的推移您是如何(how )花钱的。还有，你把钱花在了哪些方面？（Psst：答案是“餐馆”。）
通过您的类别层次结构向下钻取(Drill)饼图，以查看该类别中的各个交易。（自我提醒：你知道你可以在家做饭，对吧？）
安装Toolkit扩展后，您可以访问关于您的支出的两个新报告，即按类别(Spending by Category)支出和按收款人支出(Spending By Payee)。
Spending By Category报告与 YNAB 的Spending Report类似，但有一些额外的标签。您可以单击任何类别以查看交易列表。
YNAB Toolkit 的“收款人(Payee)支出(Spending)”报告将向您展示究竟是谁在获得您的血汗钱。（好市多(Costco)。总是好市多(Always Costco)。）
像往常一样，您可以单击饼图查看单个交易的列表。
收入与支出报告
股票YNAB 收入(YNAB Income)与支出(Expense)报告和工具包(Toolkit)中的报告都向您显示了您选择的时间段、类别和账户的交易表。两个报告之间的唯一区别是Toolkit的收入(Income)与支出(Expense)报告看起来更好一些。以下是 YNAB 的报告：
如您所料，您可以通过选择类别名称右侧的下拉箭头来查看单个交易。
Toolkit 的收入(Income)与支出(Expense)报告包含相同的信息，只是格式略有不同。
你可以决定你更喜欢哪个版本。
YNAB工具包(Toolkit)中的两个额外报告
仅当您安装了Toolkit浏览器扩展时，最后两个报告才可用。
收入明细报告
收入细分(Income Breakdown)报告显示了您的收入来源以及这些美元的去向的桑基图 。
这份报告有很多内容可供参考。对于将钱存入跟踪帐户的人来说，这很方便。
在YNAB中，跟踪帐户超出预算，因此这些交易不会出现在任何预算类别中。这些交易也不会出现在其他报告中。这就是收入细分(Income Breakdown)报告的用武之地。它将显示您转移到跟踪账户的资金作为净收益，让您了解您节省了多少预算外资金。
随时间推移的余额报告
YNAB工具包(Toolkit)中的最后一份报告是“随时间(Balance Over Time)变化的平衡”报告。此报告显示您选择的期间内各个帐户的余额。此报告可以显示来自一个帐户（如下面的屏幕截图）或多个帐户的信息。
YNAB 工具包报告屏幕设置
在YNAB扩展工具包的设置(Toolkit)页面中(Settings)，您可以对报告的外观进行更多调整。通过浏览器扩展访问这些设置。(Access)
选择打开设置(Open Settings )按钮以启动包含所有工具包(Toolkit)选项的页面。选择Reports Screen以了解配置 YNAB 原生报告的三种方式。
选择Toolkit Reports以在 Toolkit 的(Toolkit Reports)净值(Net Worth)报告中打开或关闭债务比率。
使用您的数据做出明智的决定(Make Informed Decisions)
YNAB和YNAB工具包(Toolkit)随附的报告可帮助您做出明智的财务决策。明智地使用它们，您的财务前景肯定会改善。
YNAB Toolkit Reports: What You Should Know
If you know someonе who uses thе budgeting app You Need a Budget (YNAB), chances are you’ve heard them mention it. YNAB users are like vegans and runners—they love to talk about it. It’s understandable, too. YNAB can be just the kick in the pants you need to get your finances in order with a budget.
Despite all its strengths and rave reviews, YNAB does have a weakness that could be a dealbreaker for some users if there weren’t an available solution. YNAB’s Achilles heel is its limited reporting functionality. Fortunately, you can install the Toolkit for YNAB browser extension to gain access to several additional ways to slice and dice your financial data.
The Toolkit for YNAB Extension
Toolkit for YNAB is a free, open-source browser extension that adds features to your YNAB dashboard and allows for greater customization. Extensions are available for Chrome and Firefox and give you views of your financial data that YNAB doesn’t otherwise offer. We’ll look at the reports that come with the YNAB Toolkit to highlight the extra insights you can get by installing it.
The YNAB Toolkit Reports
Without the Toolkit, YNAB natively provides three reports: Spending, Net Worth, and Income v Expense. By contrast, the YNAB Toolkit includes seven reports:
- Net Worth
- Inflow/Outflow
- Spending By Category
- Spending By Payee
- Income vs. Expense
- Income Breakdown
- Balance Over Time
For any report—from YNAB or the Toolkit for YNAB—you can specify the time frame and choose to include or exclude specific categories and/or accounts.
Once you install the Toolkit, view your new reports by selecting Toolkit Reports in the main YNAB menu.
Net Worth Reports: YNAB vs. the Toolkit
The Toolkit’s Net Worth report is very similar to YNAB’s, with a few extra features thrown in. We’ve removed some detail from our screenshots, but don’t worry; you’ll see exact numbers when viewing your reports. First, let’s look at YNAB’s native Net Worth report.
Compare that to the Toolkit’s Net Worth report.
Both reports display a bar graph showing debts in red, assets in blue, and your net worth as a line. In addition, the Toolkit’s Net Worth report gives you the option to Flip Debt so that your debts appear below the $0.00 mark in the graph instead of stacked up against your assets. The Toolkit report also includes your percentage debt ratio, a feature you can toggle on or off in the Toolkit’s settings page.
The YNAB Toolkit’s Inflow/Outflow Report
Are you bringing in more than you’re spending?
To view the Inflow/Outflow Report, you’ll need to install the Toolkit since YNAB doesn’t include this report otherwise.
Spending Reports: YNAB vs. the Toolkit
YNAB’s basic Spending Report shows you how you spent your money over time. And also, what kinds of things are you spending your money on? (Psst: the answer is “restaurants.”)
Drill down into the pie chart through your hierarchy of categories to see the individual transactions from that category. (Note to self: You know you can cook at home, right?)
Installing the Toolkit extension will give you access to two new reports about your spending, Spending by Category and Spending By Payee.
The Spending By Category report is similar to YNAB’s Spending Report with some extra labels. You can click into any category to view a list of transactions.
YNAB Toolkit’s Spending By Payee report will show you who, exactly, is getting your hard-earned money. (Costco. Always Costco.)
As usual, you can click on the pie chart to see a list of individual transactions.
Income vs. Expense Reports
Both the stock YNAB Income vs. Expense report and the one from the Toolkit show you a table of transactions for the time period, categories, and accounts you choose. The only difference between the two reports is that the Toolkit’s Income v Expense report looks a little nicer. Here’s the report from YNAB:
As you would expect, you can view individual transactions by selecting the dropdown arrows to the right of your category names.
The Toolkit’s Income vs. Expense report contains the same information, just formatted a little differently.
You can decide which version you like better.
Two Extra Reports from the Toolkit for YNAB
The last two reports are only available if you have the Toolkit browser extension installed.
The Income Breakdown Report
The Income Breakdown report displays a Sankey diagram of your sources of income and where those dollars are going.
There’s a lot to play with in this report. It’s handy for people who save money to a tracking account.
In YNAB, tracking accounts are off-budget, so those transactions don’t appear in any budget categories. Nor do those transactions occur in other reports. That’s where the Income Breakdown report comes in. It will show the money you move to tracking accounts as a Net Gain, giving you an idea of how much off-budget money you’ve saved.
Balance Over Time Report
The last report from the Toolkit for YNAB is the Balance Over Time report. This report displays the balances of individual accounts over the period you select. This report can show information from one account (like the screencap below) or multiple accounts.
YNAB Toolkit Report Screen Settings
In the Toolkit for YNAB extension’s Settings page, you can make a few more tweaks to the way reports look. Access these settings via the browser extension.
Select the Open Settings button to launch a page with all the Toolkit options. Select Reports Screen for three ways to configure YNAB’s native reports.
Select Toolkit Reports to toggle the debt ratio on or off in the Toolkit’s Net Worth report.
Use Your Data to Make Informed Decisions
The reports included with YNAB and the Toolkit for YNAB help you make informed financial decisions. Use them wisely, and your financial outlook is sure to improve.
